Core Products

The Main Loans We Arrange

Six mainstream products covering the needs most families and businesses walk in with. Each one comes with a dedicated advisor from enquiry to disbursement.

Home Loan

Purchase, construct or renovate a home with tailored loan structures. We help you compare offers across our network of leading banks and NBFCs and lock in the best rate for your profile.

  • Ready property, under-construction & plot + construction
  • Joint applicants & co-borrower support
  • Tax benefits under Section 80C & 24(b)
Loan AmountAs per eligibility
TenureUp to 30 yrs
InterestCompetitive rates

Loan Against Property

Release the equity in your residential, commercial or industrial property for any legitimate end-use — expansion, education, consolidation or working capital.

  • Residential & commercial property accepted
  • Balance transfer + top-up available
  • Longer tenure than a business loan
Loan-to-ValueBank policy-linked
TenureLong-tenure available
InterestCompetitive rates

Business Loan

Working capital, inventory, expansion or new-equipment finance — structured for proprietors, partnerships/LLPs and private limited companies.

  • Unsecured & secured options
  • Quick turnaround with minimal paperwork
  • GST & bank-statement based underwriting
Loan AmountAs per eligibility
TenureFlexible
InterestProfile-based

Balance Transfer

Paying more than you should on an existing loan? We'll switch your outstanding to a better rate — often with a top-up amount thrown in.

  • Reduce your EMI immediately
  • Top-up loan on the transferred amount
  • Free cost-benefit analysis
SavingsUp to 1.5% p.a.
Processing7–10 days
Top-upAvailable

Personal Loan

Unsecured credit for the moments that can't wait — a wedding, a medical bill, an overseas course, or folding multiple high-interest dues into one comfortable EMI. Fast decisioning, minimal paperwork.

  • No collateral required
  • Income-based underwriting for salaried & self-employed
  • Disbursal possible within 48 hours
Loan AmountAs per eligibility
TenureShort-to-medium term
InterestCredit-score linked

Project & Developer Finance

Structured funding for real-estate developers and builders — land acquisition, construction cost, and inventory finance for ongoing or new residential and commercial projects, released in milestone-linked tranches.

  • Land, construction & unit-inventory finance
  • Milestone-based draw-downs
  • Tie-up with unit-level home loans for buyers
Loan AmountAs per project size
TenureProject-aligned
StructureMilestone-linked
Specialised Finance

Beyond the Mainstream Loans

Businesses rarely fit a single product. These are the niche facilities we structure when the standard menu doesn't quite cover it.

Working Capital Finance

Day-to-day liquidity through cash-credit limits, overdrafts and short-term loans sized to your sales cycle.

Machinery & Equipment Finance

Finance new or used plant, machinery and IT equipment — often up to 100% of asset value without tying up your own cash.

Invoice Discounting

Unlock cash sitting in your unpaid invoices. Draw funds against receivables and stop waiting out the payment cycle.

GST-Based Overdraft

Overdraft limits calculated from your GST filings — no property collateral, drawn when needed, repaid as cash flows.

MSME / CGTMSE Loan

Collateral-free credit under the Credit Guarantee Trust for Micro & Small Enterprises — built for growing MSMEs.

Dropline Overdraft

A gradually reducing OD limit — cheaper than a term loan, flexible like a cash credit, ideal for predictable revenue.

Don't see your exact requirement here? Talk to an advisor — chances are we've structured something similar before.

Customer Types

Built for Every Borrower Profile

Different profiles, different paperwork. Click a tab to see what you'll need.

For Salaried Individuals

Employed professionals with verifiable income and stable employment.

  • PAN Card
  • Aadhaar Card
  • Salary Slips (Last 3 months)
  • Bank Statement (12 months)
  • ITR (Last 2 years)
  • Form 16
  • Employment / Appointment Letter
  • ID Card of Company
  • Property Documents (if applicable)
  • Passport Size Photographs

For Proprietors

Single-owner businesses with business turnover and filed returns.

  • PAN Card of Proprietor
  • Aadhaar Card of Proprietor
  • Business Address Proof
  • Bank Statement (12 months)
  • ITR (Last 3 years)
  • GST Registration Certificate
  • Shop & Establishment Certificate
  • Udyam Registration Certificate
  • Property Documents (if applicable)
  • Passport Size Photographs

For Partnership / LLP

Registered partnerships and Limited Liability Partnerships.

  • Partnership Deed / LLP Agreement
  • PAN Card of Firm / LLP
  • PAN Card of All Partners
  • Aadhaar Card of All Partners
  • Bank Statement (12 months)
  • ITR of Firm (Last 3 years)
  • ITR of Partners (Last 3 years)
  • GST Registration Certificate
  • Certificate of Incorporation (LLP)
  • Board Resolution / Authority Letter
  • Business Address Proof
  • Passport Size Photographs of All Partners

For Private Limited Companies

Registered private limited companies with filed financials.

  • Certificate of Incorporation
  • Memorandum of Association (MOA)
  • Articles of Association (AOA)
  • PAN Card of Company
  • PAN Card of All Directors
  • Aadhaar Card of All Directors
  • Board Resolution for Loan
  • Bank Statement (12 months)
  • Audited Financials (Last 3 years)
  • ITR of Company (Last 3 years)
  • GST Registration Certificate
  • Business Address Proof
Our Process

A Predictable, End-to-End Journey

We manage every stage so you don't have to juggle bankers, valuers and lawyers.

1

Free Consultation

Understand your requirement, eligibility and the right product fit.

2

Document Collection

Digital upload with a checklist tailored to your customer type.

3

Bank Processing

Legal, technical and valuation runs — all coordinated by us.

4

Disbursement

Sanction letter, signing, disbursement and post-disbursement follow-up.

FAQs

Frequently Asked Questions

Typically 7–14 working days from the time we receive a complete document set — though simpler files can sanction in under a week. We'll give you a realistic ETA on day one.
Common charges include processing fee, legal & technical valuation, CERSAI, stamp duty on the MOU and GST. We disclose every applicable charge upfront in your quotation so there are no last-minute surprises.
Yes — spouse, parents, siblings and children can be added as co-applicants. Adding a co-borrower often improves eligibility and can yield tax-benefit advantages for both parties.
Absolutely. A large part of our book is proprietors, partnerships, LLPs and private limited companies. We tailor the paperwork and bank-fit to the profile.
For home loans on floating rates, RBI guidelines prohibit prepayment penalties for individual borrowers. For fixed-rate or non-individual borrowings, bank policy applies — we'll flag it during the quotation stage.
Yes — our Balance Transfer service moves your outstanding to a new bank at a better rate, often with a top-up. We'll run a cost-benefit analysis before you commit.

Not sure which product fits?

Let our advisor listen to your situation and recommend the right structure.

Talk to an Advisor