All Types of Loan Solutions

Home Loan

Apne sapno ka ghar banao — attractive home loan options with lowest interest rates. Whether you are buying a new property, constructing a house, or renovating your existing home, we offer the best rates and maximum loan amounts across all leading banks.

Home Loan Types:

• Purchase of Ready-to-Move Property
• Under Construction Property Financing
• Plot Purchase Loan
• Home Construction Loan
• Home Extension & Renovation Loan
• Balance Transfer from Other Banks
• Top-up Loan on Existing Home Loan
• NRI Home Loan

Features & Benefits:

• Loan Amount: Up to ₹5 Crore
• Interest from 8.40% p.a. (floating)
• Tenure: Up to 30 years
• LTV: Up to 90% of property value
• Tax Benefits: Section 80C & 24(b)
• Free property valuation assistance
• Pre-approved offers for salaried professionals
• PMAY subsidy for eligible first-time buyers

Eligibility:

• Salaried or self-employed individuals
• Age: 21 to 65 years
• Minimum monthly income: ₹25,000
• CIBIL Score: 700+ preferred

Personal Loan

Quick and convenient personal loans for medical emergencies, home renovation, wedding expenses, travel, education fees, debt consolidation — ya koi bhi personal zaroorat. Minimal documentation aur funds 24–48 hours mein.

Features & Benefits:

• Loan Amount: ₹50,000 to ₹25 Lakhs
• Interest from 10.49% p.a.
• Tenure: 12 to 60 months
• No collateral or guarantor required
• Quick disbursal within 24–48 hours
• Minimal documentation process
• Pre-approved offers for existing customers
• Part-payment & foreclosure facility

Eligibility:

• Salaried or self-employed individuals
• Age: 21 to 60 years
• Minimum income: ₹15,000/month (salaried)
• CIBIL Score: 700+ preferred
• Minimum 2 years work experience

Business Loan

Apna business badhao — customized business loans for working capital, equipment purchase, business expansion, inventory financing ya koi bhi business requirement. Proprietorships, partnerships aur private limited companies — sab eligible.

Loan Types Available:

• Working Capital Loan
• Business Term Loan
• Equipment / Machinery Loan
• Overdraft Facility
• Invoice / Bill Discounting
• Startup Business Loan
• Franchise Financing
• Cash Credit Facility

Documents Required:

• Business registration proof (GST/MSME)
• ITR & financial statements (2–3 years)
• Bank statements (12 months)
• Address proof of business
• KYC of owners/directors
• GST returns & turnover details

New / Used Car Loan

Apni dream car aaj hi kharido — easy auto financing for new and pre-owned vehicles. Competitive rates, flexible tenure and high loan-to-value ratio make car ownership affordable for everyone in Vrindavan, Mathura and nearby areas.

New Car Loan Features:

• Loan up to 90% of on-road price
• Interest from 8.50% p.a.
• Tenure: Up to 7 years
• All brands and models covered
• Zero foreclosure charges
• Quick approval in 24 hours

Used Car Loan Features:

• Loan up to 80% of car value
• Interest from 10% p.a.
• Cars up to 10 years old eligible
• Vehicle valuation & verification support
• Transfer of ownership assistance
• Flexible down payment options

Education Loan

Apne bacho ka future secure karo — education loans for higher studies in India and abroad. Tuition fees, living expenses, books, equipment and travel costs — sab cover hota hai. Special benefits for meritorious students and premier institutions.

Loan Coverage:

• Tuition fees & examination fees
• Hostel & accommodation charges
• Books, uniforms & study materials
• Laptop & equipment costs
• Travel expenses (for abroad studies)
• Insurance premium

Features & Benefits:

• Up to ₹1.5 Crore for foreign studies
• Competitive rates 8–12% p.a.
• Moratorium period: study + 1 year
• Repayment up to 15 years
• No collateral up to ₹7.5 Lakhs
• Tax benefits under Section 80E
• Covers UG, PG, PhD & professional courses
• Government scheme benefits available

Gold Loan

Apna sona kaam aane do — gold loan is the fastest way to get funds in emergency. Pledge your gold jewellery or ornaments and get instant cash at lowest interest rates. No income proof required, minimum documentation.

Features & Benefits:

• Loan Amount: ₹10,000 to ₹1 Crore
• Interest from 7% p.a.
• Instant disbursement — same day
• No income proof or ITR required
• No processing fee in many banks
• Flexible repayment — bullet or EMI
• 22 & 24 carat gold accepted
• Safe & secure gold storage

Eligibility:

• Any Indian citizen above 18 years
• Valid KYC (Aadhaar + PAN)
• Gold ornaments / jewellery to pledge
• No CIBIL score requirement

Loan Against Property (LAP)

Apni property ki value unlock karo — best option for high-value loans at lower interest rates with longer repayment tenure. Residential ya commercial property — dono accepted hain.

Usage of LAP Funds:

• Business expansion & working capital
• Debt consolidation
• Medical emergencies & education
• Marriage & personal expenses
• Purchase of new assets or property
• Starting new business venture

Features & Benefits:

• Loan Amount: ₹5 Lakhs to ₹10 Crore
• Interest from 9% p.a.
• Tenure: Up to 15–20 years
• LTV: Up to 65–70% of property value
• Residential, commercial, industrial accepted
• Quick approval & disbursal
• Flexible end-use of funds
• Balance transfer facility available

PM Mudra Yojana (PMMY)

Government-backed collateral-free loans for micro and small enterprises under Pradhan Mantri MUDRA Yojana. Manufacturing, trading aur service sector — sab eligible. Subsidized interest rates with credit guarantee coverage.

MUDRA Loan Categories:

• Shishu: Up to ₹50,000 — startups
• Kishore: ₹50,001 to ₹5 Lakhs — growing biz
• Tarun: ₹5 Lakhs to ₹10 Lakhs — established
• Tarun Plus: ₹10 Lakhs to ₹20 Lakhs — expansion

Key Benefits:

• No collateral required
• Interest rates 8–12% p.a.
• Credit guarantee coverage (CGFTMSE)
• Flexible repayment terms
• 0.25% lower rate for women entrepreneurs
• Quick processing & approval

PM Awas Yojana (PMAY)

Pehli baar ghar khareedne wale eligible families ko home loan interest subsidy milti hai — sarkaar seedha bank account mein subsidy deti hai. EWS, LIG aur MIG categories ke liye alag-alag subsidy amounts available hain.

Eligibility Categories:

• EWS: Income up to ₹3 L — 6.5% subsidy
• LIG: Income ₹3–6 L — 6.5% subsidy
• MIG-I: Income ₹6–12 L — 4% subsidy
• MIG-II: Income ₹12–18 L — 3% subsidy

Key Benefits:

• Subsidy credited directly to bank account
• Effective home loan cost significantly reduced
• First-time home buyer mandatory
• No existing pucca house in family
• Female ownership mandatory for EWS & LIG
• Applicable on new construction & purchase
• Can be availed with any empanelled bank
• We handle complete PMAY application & follow-up

PMEGP — Employment Generation Programme

Government of India ki credit-linked subsidy scheme for new micro-enterprises. Manufacturing, trading aur service sector mein apna business shuru karo aur 15% se 35% tak ka margin money subsidy direct bank account mein pao.

Subsidy Structure:

• General (Mfg): 15% subsidy on project cost
• General (Service): 10% subsidy
• SC/ST/OBC/Women/Ex-servicemen (Mfg): 25%
• Special Category — Hilly/Tribal Areas: 35%

Our PMEGP Complete Services:

• Project report preparation
• EDP training coordination
• Online application filing on KVIC portal
• Bank loan processing & follow-up
• Subsidy claim & settlement assistance
• Post-sanction support & documentation

MSME Loans & Government Schemes

Micro, Small aur Medium Enterprises ke liye comprehensive financing — term loans, working capital, equipment financing aur government scheme benefits sab ek jagah. Udyam registered businesses ko special priority sector benefits milte hain.

MSME Loan Types:

• Term loans for machinery & equipment
• Working capital loans & overdraft
• Bill discounting facilities
• MSME business loan in 59 minutes
• Technology upgradation loans
• Export financing

Government MSME Schemes:

• CGTMSE — Collateral-free up to ₹5 Crore
• CLCS — Credit Linked Capital Subsidy
• Stand Up India Scheme
• SIDBI SMILE Loans
• Startup India Seed Fund Scheme
• Interest subsidy schemes for MSMEs

Kisan Credit Card (KCC)

Kisano ke liye sabse sasta aur asaan credit — Kisan Credit Card ke zariye agriculture, allied activities aur personal needs ke liye flexible revolving credit facility milti hai. Braj region ke hazaron kisan iska labh utha rahe hain.

KCC Usage:

• Seeds, fertilizers & pesticides purchase
• Agricultural equipment & tools
• Post-harvest expenses
• Maintenance of farm assets
• Allied activities — fishery, animal husbandry
• Personal & family consumption needs

Features & Benefits:

• Interest as low as 4% p.a. with subvention
• No collateral up to ₹3 Lakhs
• Revolving credit — withdraw as needed
• Flexible repayment aligned to harvest cycle
• Personal accident insurance included
• Valid 5 years with annual renewal
• ATM card facility for easy withdrawal