Loans Built Around Your Need

An unsecured loan you can use for anything — a wedding, medical treatment, travel, home renovation or simply consolidating other debts. No collateral or security is required; the loan amount and interest rate are decided purely on your income, employment stability and credit score.

• Best suited for salaried and self-employed individuals with a steady monthly income
• Approval and disbursal are usually faster than secured loans since no asset is pledged
• A CIBIL score above 700 typically gets you the best interest rate

Long-tenure financing to buy a ready or under-construction flat, build on your own plot, or extend and renovate an existing home. Interest is charged only on the disbursed amount, and eligible first-time buyers can also claim government subsidies under PMAY.

• Ideal for individuals and families purchasing their first or next home
• Tenures can run up to 20—30 years, keeping monthly EMIs affordable
• Interest paid qualifies for tax deduction under the Income Tax Act

Funding for established businesses that need working capital, inventory, machinery or funds to expand operations. This includes overdraft (OD) and cash credit (CC) facilities that give you a running credit line against your business's cash flow, rather than a one-time lump sum.

• Meant for proprietorships, partnerships and companies with an operating track record
• Loan amount is typically based on turnover, profitability and existing bank relationship
• OD/CC facilities let you draw and repay repeatedly, paying interest only on what you use

Financing to purchase a new or used car, with the vehicle itself serving as security for the loan. Tenure, down payment and interest rate depend on whether the car is new or pre-owned, and on your repayment capacity.

• Suited for individuals and businesses buying a personal or company vehicle
• Up to 85—90% of the on-road price can typically be financed
• Quick disbursal once the vehicle invoice and KYC documents are in place

A low-documentation loan built for buying a new or used scooter or motorcycle, with EMIs structured around a small monthly budget. Approval is fast, and many first-time earners qualify with minimal income proof.

• Great fit for young professionals and first-time vehicle buyers
• Minimal paperwork — ID, address proof and basic income proof are usually enough
• Short tenures (12—48 months) keep the total interest outgo low

Financing for new or used tractors and other farm equipment, with repayment schedules designed around harvest and crop-cycle income rather than fixed monthly salaries.

• Meant for farmers, agri-businesses and equipment rental operators
• Seasonal or half-yearly repayment options aligned to farm income
• Land ownership or lease documents typically support the application

A revolving credit line secured against your fixed deposits, property or business assets, letting you withdraw funds as and when needed instead of taking a fixed lump-sum loan. Interest is charged only on the amount actually drawn.

• Useful for businesses managing seasonal or uneven cash flow
• No need to reapply each time — the limit renews as you repay
• Often cheaper than a fresh loan when short-term funding gaps come up repeatedly

Covers tuition fees, hostel costs, books and living expenses for higher studies in India or abroad. Most lenders offer a moratorium period, so repayment (EMI) typically begins only after the course ends and the student starts earning.

• For students admitted to a recognised college, university or professional course
• A co-applicant (usually a parent) is generally required to guarantee repayment
• Interest paid qualifies for tax deduction under Section 80E

Immediate funding against your gold jewellery or coins, with the gold held securely by the lender until the loan is repaid. Because the loan is fully secured, documentation is minimal and disbursal often happens the same day.

• Ideal for urgent, short-term needs — medical bills, business gaps or emergencies
• No income proof or credit score check required in most cases
• Loan amount is based on the current market value and purity of the gold

Unlocks the value of a residential or commercial property you already own, without selling it, for a large loan amount at a lower interest rate than unsecured borrowing. Funds can be used for business expansion, a child's education, medical costs or debt consolidation.

• Best for property owners needing a large sum with lower EMIs over a longer tenure
• Loan amount is typically 50—70% of the property's market value
• You continue to use and stay in the property while it's mortgaged

Collateral-free funding designed specifically for micro, small and medium enterprises — to buy equipment, stock up inventory, hire staff or fund day-to-day working capital, without pledging business or personal assets.

• For registered MSMEs and Udyam-registered businesses at any growth stage
• No collateral needed — approval is based on business vintage and cash flow
• Can often be paired with government schemes for lower effective interest

A government-backed, collateral-free loan scheme for micro and small businesses, offered in three categories — Shishu (up to ₹50,000), Kishor (up to ₹5 lakh) and Tarun (up to ₹10 lakh) — based on the stage and size of the business.

• Aimed at first-time entrepreneurs, small traders and non-corporate small businesses
• No collateral or third-party guarantee required under the scheme
• Category depends on whether you're starting up, growing, or scaling further

A subsidised home loan under the Pradhan Mantri Awas Yojana, where eligible first-time buyers receive an interest subsidy credited upfront to their loan account — directly reducing the principal and your effective interest outgo.

• For first-time home buyers within specific income category limits (EWS/LIG/MIG)
• The buyer or their family must not already own a pucca house anywhere in India
• Subsidy is applied once and reduces your loan tenure or EMI going forward

Moves your existing home, personal or business loan from your current lender to a new one offering a lower interest rate or better terms — reducing your EMI or overall interest cost without changing anything else about the loan.

• Worth considering if your current interest rate is noticeably above the market rate
• Best done a few years into the loan, once processing charges are outweighed by the savings
• We handle the paperwork and coordination with both lenders on your behalf