Secured Loans

Explore flexible Secured Loans options tailored to your needs.

Loan Overview

A Secured Loan is a type of loan backed by collateral such as property, gold, or other assets. It offers higher loan amounts at lower interest rates, making it an ideal choice for individuals seeking funds for major expenses like home renovation, education, or business expansion.

Features & Benefits

Key Features

  • Low Interest Rates
  • High Loan Amount
  • Flexible Tenure
  • Quick Disbursal
  • Minimal Documentation

Additional Benefits

  • Enjoy competitive interest
  • Borrow up to ₹5
  • repayment tenure 1 to 15 years
  • Get loan amount
  • Simple and hassle-free

Eligibility Criteria

  • Age: 21 to 65 years
  • Nationality: Indian Resident
  • Employment: Salaried or Self-Employed
  • Minimum monthly income: ₹25,000
  • Valid collateral such as property, gold, or fixed deposits
  • Good credit score (650 and above)

    • Interest Rates

  • Interest Rate: Starting from 8.5% per annum
  • Processing Fee: Up to 1.5% of the loan amount
  • Prepayment Charges: 2% on outstanding principal
  • Late Payment Fee: ₹500 per month
  • Loan Tenure: 1 to 15 years
  • Loan Amount: ₹1,00,000 to ₹5,00,00,000

    • Frequently Asked Questions

  • Q: What is a Secured Loan? A: A secured loan is a loan that requires the borrower to pledge an asset as collateral to obtain the funds.
  • Q: What can be used as collateral? A: Property, gold, fixed deposits, or other approved financial assets can be used as collateral.
  • Q: How long does the approval process take? A: Loan approval typically takes 3 to 7 working days after document verification.
  • Q: Can I prepay my secured loan? A: Yes, prepayment is allowed with a nominal prepayment charge of 2% on the outstanding principal.
  • Q: What happens if I default on the loan? A: In case of default, the lender has the right to seize and liquidate the pledged collateral to recover the outstanding amount.

    • How to Apply

  • Visit our website or nearest branch to begin your application.
  • Fill in the online application form with your personal and financial details.
  • Upload the required documents including ID proof, address proof, and collateral documents.
  • Our representative will verify your documents and assess the collateral value.
  • Upon approval, the loan amount will be disbursed directly to your bank account.

    • Smart Home Loan Plan

    Explore flexible Smart Home Loan Plan options tailored to your needs.

    Loan Overview

    Our Smart Home Loan Plan is designed to help you achieve your dream of owning a home. With competitive interest rates, flexible repayment options, and quick approval, this loan ensures a hassle-free experience.

    Features & Benefits

    Key Features

    • Low Interest Rates
    • Quick Approval
    • Flexible Tenure

    Additional Benefits

    • Get home loans starting from 8.25% per annum with flexible repayment options.
    • Loan approval within 48 hours with minimal documentation.
    • Repayment tenure available up to 30 years for easy EMI planning.

    Eligibility Criteria

    - Minimum age: 21 years  
    - Maximum age: 60 years  
    - Salaried or self-employed individuals  
    - Minimum monthly income: ₹25,000  
    - Good credit score (650+)  

    Interest Rates

    Interest Rate: Starting from 8.25% p.a.  
    Processing Fee: Up to 1% of loan amount  
    Prepayment Charges: Nil (for floating rate loans)  
    Late Payment Charges: As per bank policy  

    Frequently Asked Questions

    What is the maximum loan amount? : You can avail up to ₹5 Crores depending on your eligibility.
    How long does approval take? : Usually within 24–48 hours after document submission.
    Can I prepay the loan? : Yes, there are no charges for prepayment on floating interest loans.

    How to Apply

    1. Fill out the online application form  
    2. Upload required documents  
    3. Get instant eligibility check  
    4. Loan approval within 48 hours  
    5. Amount disbursed directly to your account  

    Business Growth SME Loan

    Explore flexible Business Growth SME Loan options tailored to your needs.

    Loan Overview

    Our SME Loan is designed to support small and medium-sized businesses with quick and hassle-free financing solutions. Whether you need funds for business expansion, inventory purchase, machinery upgrades, or working capital requirements, this loan helps your business grow with flexible repayment options and attractive interest rates. We provide fast processing, minimal documentation, and customized loan plans suitable for startups, traders, manufacturers, and service providers.

    Features & Benefits

    Key Features

    • Quick Approval
    • Flexible Repayment

    Additional Benefits

    • Get loan approval within 24 to 48 hours with minimal documentation.
    • Choose easy EMI repayment options based on your business cash flow.

    Eligibility Criteria

    Applicant must be an Indian citizen. Minimum age should be 21 years. Business must have at least 1 year of operational history. Valid business registration proof is required. Stable monthly business income and bank statements are mandatory.

    Interest Rates

    Interest Rate: Starting from 10.5% p.a. Processing Fee: Up to 2% of the loan amount. Loan Tenure: 12 to 60 months. Prepayment Charges: Applicable as per lender policy. Late Payment Penalty: Charged for overdue EMIs.

    Frequently Asked Questions

    Q1. What is the maximum loan amount available?

    You can avail SME loans up to ₹50 Lakhs depending on eligibility and business profile.

    Q2. Is collateral mandatory for SME loans?

    No, selected SME loans are available without collateral.

    Q3. How long does approval take?

    Loan approval usually takes 24 to 48 working hours after document verification.

    Q4. Can startups apply for SME loans?

    Yes, startups with stable revenue and valid business proof can apply.

    Q5. What documents are required?

    KYC documents, GST registration, bank statements, income proof, and business registration documents are generally required.

    How to Apply

    Fill out the online loan application form. Submit required KYC and business documents. Our team will verify your application details. Loan eligibility and approval will be processed quickly. Upon approval, the loan amount will be disbursed to your bank account.

    Smart Business Loan Plan

    Explore flexible Smart Business Loan Plan options tailored to your needs.

    Loan Overview

    Our Smart Business Loan Plan is tailored to support entrepreneurs and small business owners. Whether you need funds for expansion, inventory, or working capital, this loan provides quick access to capital with flexible repayment terms and competitive interest rates.

    Features & Benefits

    Key Features

    • High Loan Amount
    • Minimal Documentation
    • Fast Disbursal

    Additional Benefits

    • Get business loans up to ₹2 Crores to scale and expand your business operations.
    • Hassle-free process with minimal paperwork and quick verification.
    • Loan approval and disbursal within 24–72 hours for urgent business needs.

    Eligibility Criteria

    - Age: 21 to 65 years  
    - Business vintage: Minimum 1 year  
    - Type: Proprietorship / Partnership / Pvt Ltd  
    - Minimum annual turnover: ₹10 Lakhs  
    - Good credit score (650+)  

    Interest Rates

    Interest Rate: Starting from 10.50% p.a.  
    Processing Fee: Up to 2% of loan amount  
    Prepayment Charges: Applicable as per lender policy  
    Late Payment Charges: As per agreement  

    Frequently Asked Questions

    What is the maximum loan amount?
    You can avail up to ₹2 Crores depending on your business profile.

    How quickly can I get the loan?
    Approval is usually completed within 24–72 hours.

    Is collateral required?
    Both secured and unsecured loan options are available.

    How to Apply

    1. Fill out the business loan application form  
    2. Upload KYC and business documents  
    3. Get instant eligibility assessment  
    4. Loan approval within 1–3 working days  
    5. Funds credited directly to your business account  

    Vehicle Loans

    Explore flexible Vehicle Loans options tailored to your needs.

    Loan Overview

    Who can apply

    Salaried employees, self-employed individuals, business owners aged 21–65 years


    Minimum income

    ₹15,000/month (salaried) · ₹2,00,000/year (self-employed)


    Credit score required

    650 and above (CIBIL). Higher score qualifies for lower interest rate.


    Eligibility — location

    Available across India. Applicant must be a resident Indian citizen.

    Features & Benefits

    Key Features

    • Interest rate
    • Loan amount

    Additional Benefits

    • Starting from 7.5% p.a. Fixed and floating rate options available.
    • ₹50

    Eligibility Criteria

    Age

    21 to 65 years at the time of loan maturity


    Employment type

    Salaried, self-employed, business owner, or NRI


    Minimum income

    ₹15,000/month (salaried) · ₹2,00,000/year (self-employed)

    Interest Rates

    Interest rate (fixed)

    Based on credit score and tenure                       7.5% – 12% p.a


    Interest rate (floating)

    Linked to repo rate, revised quarterly                 7.25% – 11.5% p.a

    Frequently Asked Questions


    What is the maximum loan amount I can get?

    You can get up to 90% of the on-road price of a new vehicle. For used vehicles (up to 5 years old), financing is available up to 80% of the vehicle's current market value. The maximum loan amount is ₹50,00,000.

    Can I apply for a vehicle loan without a salary slip?

    Yes. Self-employed individuals and business owners can apply using their Income Tax Returns (ITR) for the last 2 years and bank statements for the last 6 months as income proof in place of salary slips.

    Is a guarantor required for a vehicle loan?

    A guarantor is generally not required. However, if your credit score is below 650 or your income does not meet eligibility criteria, a co-applicant or guarantor may be requested to strengthen the application.

    How to Apply

    Check eligibility

    Use the online EMI calculator to enter your income, desired loan amount, and tenure. Confirm you meet age and income criteria before starting the application.


    Fill in the application form

    Complete the online or branch application with personal details, employment information, vehicle details (make, model, on-road price), and loan amount required.


    Upload documents

    Submit KYC documents (Aadhaar, PAN), income proof (salary slips / ITR), bank statements (last 6 months), vehicle proforma invoice, and address proof.


    Verification and credit check

    Our team verifies documents and runs a credit score check. A field executive may contact you for physical KYC verification if needed.

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