Overview
Loans provide immediate access to funds for various needs - buying a home, vehicle, education, business expansion, or personal emergencies. We help you navigate the loan process, compare offers from multiple lenders, and secure the best interest rates and terms based on your credit profile and requirements.
Who Should Consider Loans?
✓ Suitable For:
- •Home buyers and property investors
- •Students pursuing higher education
- •Business owners needing capital
- •Vehicle purchasers
- •Those with emergency funding needs
- •Individuals with stable income
✗ Caution Required:
- •Unstable income sources
- •Poor credit history
- •High existing debt burden
- •Speculative investments
- •Lifestyle expenses (avoid)
Why Choose Our Loan Services?
Best Rates
Compare offers from 15+ lenders to get lowest rates
Quick Processing
Fast approval and disbursal with minimal documentation
Expert Guidance
End-to-end assistance from application to disbursal
Eligibility Check
Free credit assessment and eligibility evaluation
Flexible Terms
Customized repayment schedules to suit your cash flow
No Hidden Charges
Transparent pricing with all costs disclosed upfront
Types of Loans
Home Loans
Purchase, construction, renovation - 6.5-9% p.a., up to 30 years, 80-90% LTV, tax benefits under 80C & 24(b)
Personal Loans
Unsecured, multipurpose - 10-18% p.a., up to 5 years, ₹50K-₹40L, quick disbursal
Business Loans
Working capital, expansion, equipment - 9-16% p.a., secured/unsecured options, up to ₹50 Cr
Education Loans
Domestic & abroad studies - 8-12% p.a., moratorium period, tax benefits under 80E, collateral for ₹7.5L+
Vehicle Loans
Car, two-wheeler - 7-11% p.a., up to 7 years, 80-90% on-road price financing
Loan Against Property
Secured by property - 8-12% p.a., up to 15 years, 50-70% property value, lower rates
Gold Loans
Against gold jewelry - 7-10% p.a., instant disbursal, up to 75% gold value
Eligibility Criteria
General Requirements
- Age: 21-65 years (varies by loan type)
- Income: Minimum ₹25K/month (salaried)
- Credit Score: 750+ for best rates
- Employment: 2+ years work experience
- Debt-to-Income: Below 50% preferred
Documents Required
- •Identity proof (Aadhaar, PAN, Passport)
- •Address proof (utility bills, rent agreement)
- •Income proof (salary slips, ITR, bank statements)
- •Employment proof (offer letter, ID card)
- •Property documents (for secured loans)
Interest Rates & Charges
Processing Fee: 0.5-2% of loan amount (negotiable)
Prepayment Charges: 2-4% for fixed rate, nil for floating
Late Payment: 2% per month penalty + impact on credit score
Documentation: ₹500-5,000 depending on loan type
Legal/Technical: ₹2,000-10,000 for property loans
💡 Tip: Negotiate processing fees and choose floating rates for flexibility
Smart Borrowing Tips
Borrow Only What You Need
Avoid over-borrowing to minimize interest burden
Maintain Good Credit Score
750+ score gets you 1-2% lower interest rates
Choose Shorter Tenure
Higher EMI but significantly lower total interest
Prepay When Possible
Use bonuses/windfalls to reduce principal
Compare Multiple Offers
0.5% rate difference = lakhs saved over tenure
Read Fine Print
Understand all charges, penalties, and terms
Tax Benefits
Home Loan: ₹1.5L under 80C (principal) + ₹2L under 24(b) (interest)
Education Loan: Full interest deduction under 80E for 8 years
Business Loan: Interest deductible as business expense
Personal Loan: No tax benefits unless used for business/property
Get the Best Loan Deal Today
Compare rates from top lenders and get instant approval with our expert assistance.
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