1. Personal Loan

A Personal Loan is a multi-purpose loan offered to meet urgent financial requirements like medical expenses, weddings, travel, or other personal needs.

Rate of Interest: 11% – 13% per annum (subject to bank policy)
Maximum Tenure: Up to 5 years
Loan Amount: ₹50,000 – ₹10,00,000 (based on income & eligibility)

Required Documents:

• Loan application form with photograph

• Identity proof (Aadhaar, PAN, Voter ID, Passport)

• Address proof (Utility Bill, Aadhaar, Rent Agreement)

• Income proof (Salary slips, Bank statement, IT returns)

• Employment certificate / proof of business

• Guarantor (if required)

Benefits:

• No restriction on end use.

• Quick disbursal with minimal paperwork.

• Flexible repayment in EMIs.

2. Home Loan

Home Loans help you fulfill your dream of owning or constructing a house.

Rate of Interest: 8.5% – 9.5% per annum
Maximum Tenure: Up to 20 years
Loan Amount: ₹2,00,000 – ₹50,00,000 (depending on property value & eligibility)

Required Documents:

• Application form with photograph

• Identity & Address proof

• Income proof (Salary slips, IT returns, Form 16, Balance sheet for self-employed)

• Property documents (Agreement to Sale, Title deed, Approved plan, etc.)

• Bank statements (last 6 months)

• Guarantor (if required)

Benefits:

• Long tenure with affordable EMIs.

• Tax benefits under Income Tax Act (Section 24 & 80C).

• Financing for purchase, construction, or renovation.

3. Vehicle Loan

Vehicle Loans provide easy financing for purchasing new or used cars, two-wheelers, or commercial vehicles.

Rate of Interest: 9% – 11% per annum
Maximum Tenure: 3 – 7 years
Loan Amount: Up to 85% of on-road cost of the vehicle

Required Documents:

• Loan application with photograph

• Identity & Address proof

• Income proof (Salary slips/Bank statement/IT returns)

• Quotation/proforma invoice from vehicle dealer

• Vehicle RC & insurance (for used vehicles)

Benefits:

• Affordable EMIs for easy repayment.

• Option to finance new or used vehicles.

• Ownership of vehicle without upfront burden.

4. Business Loan

Our Business Loan supports entrepreneurs and SMEs in expanding operations, purchasing machinery, or meeting working capital needs.

Rate of Interest: 11% – 13% per annum
Maximum Tenure: Up to 10 years
Loan Amount: Based on turnover, financials, and collateral

Required Documents:

• Business loan application

• Identity & Address proof of proprietor/partners

• Business registration / license documents

• Income proof (Balance sheet, Profit & Loss account, IT returns)

• Collateral/security documents

• Bank statements (last 12 months)

Benefits:

• Financial support for business expansion.

• Cash flow management through working capital limits.

• Flexible repayment schedules.

5. Education Loan

Education Loans enable students to pursue higher education in India or abroad.

Rate of Interest: 9% – 11% per annum
Maximum Tenure: 7 – 10 years (after moratorium)
Loan Amount: ₹50,000 – ₹20,00,000

Required Documents:

• Student’s admission letter from recognized institution

• Fee structure of the course

• Identity & Address proof of student and co-applicant

• Parent/guardian’s income proof (Salary slips/IT returns)

• Bank statements (last 6 months)

Benefits:

• Covers tuition fees, hostel charges, travel, books.

• Moratorium period until completion of course + grace period.

• Builds future without immediate financial burden.

6. Gold Loan

A Gold Loan is the quickest way to raise funds by pledging gold ornaments/jewelry.

Rate of Interest: 8% – 10% per annum
Maximum Tenure: Up to 3 years
Loan Amount: Up to 75% of gold’s market value

Required Documents:

• Identity proof (Aadhaar, PAN, Passport)

• Address proof

• Photographs

• Gold ornaments for evaluation

Benefits:

• Instant loan disbursal.

• Minimal documentation.

• Retain ownership of gold while using its value.

7. Agriculture Loan

We support farmers with Agriculture Loans for seeds, fertilizers, irrigation, machinery, and allied activities.

Rate of Interest: 7% – 9% per annum (subsidy available under govt schemes)
Maximum Tenure: Based on crop cycle (12–60 months)
Loan Amount: As per farming needs and repayment capacity

Required Documents:

• Loan application with photograph

• Identity & Address proof

• Land ownership documents / lease papers

• Crop details & cost estimation

• Guarantor (if required)

Benefits:

• Repayment aligned with harvest season.

• Encourages agricultural productivity.

• Subsidies as per RBI/government schemes.

8. Loan Against Deposit (LAD)

Loan Against Deposit allows customers to borrow against their Fixed Deposit (FD) or Recurring Deposit (RD).

Rate of Interest: Deposit interest rate + 2%
Maximum Tenure: Up to maturity of deposit
Loan Amount: 85% – 90% of deposit value

Required Documents:

• Loan application

• Deposit receipt / account details

• Identity proof of depositor

• Nomination details

Benefits:

• No need to break FD.

• Quick and easy processing.

• Low-interest loan compared to personal loan.

9. Working Capital / Cash Credit Facility

For businesses requiring day-to-day operational funds, our Cash Credit facility provides continuous financial support.

Rate of Interest: 10% – 12% per annum
Maximum Tenure: 1 year (renewable annually)
Loan Amount: Based on stock, receivables, and collateral

Required Documents:

• Business loan application

• Business registration documents

• Balance sheet & Profit/Loss account

• Bank statements (last 12 months)

• Stock/Receivable statements

Benefits:

• Liquidity for daily operations.

• Interest charged only on utilized amount.

• Flexible withdrawals up to limit.