Loan Products & Services

10 purpose-built loan products. Fast decisions. Transparent pricing. No hidden fees.

Instant Loan

Short-term cash in minutes, repaid in weeks

18%–36% p.a. 7 – 90 days ₹10,000 – ₹2 Lakh

Our Instant Loan product is built for emergencies — medical, travel, utility bills, or any urgent short-term need. Apply in 5 minutes, get an in-principle decision in seconds, and receive funds directly to your bank account within 2–4 hours of document verification.

100% digital — no branch visit required
Aadhaar + PAN based eKYC
Flexible repayment — single bullet or EMI
Minimal CIBIL requirement — new-to-credit accepted
EmergencyDigitalFast Disbursement
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Personal Loan

Multi-purpose loan for salaried and self-employed

18%–30% p.a. 6 – 48 months ₹50,000 – ₹10 Lakh

A versatile loan for weddings, home renovation, travel, education, or any personal need. We evaluate your income, repayment capacity, and credit profile to offer the best possible rate with a comfortable tenure — all without collateral.

No collateral required
Approval in 4–6 hours
Competitive rates benchmarked to repo rate
Part-prepayment allowed after 6 months
No CollateralSalariedSelf-Employed
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Micro Loan Against Property (LAP)

Unlock the value of your property — small ticket, big impact

16%–24% p.a. 12 – 84 months ₹2 Lakh – ₹50 Lakh

Designed for micro-entrepreneurs and small business owners who own residential or commercial property. Use your asset as collateral to access affordable, large-ticket credit for business expansion, working capital, or personal needs — at rates significantly lower than unsecured loans.

Residential & commercial property accepted
LTV up to 65% of property value
Low CIBIL threshold — alternate credit data accepted
Door-step document collection
SecuredMicro-EntrepreneurProperty
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School Fee Loan

Education should never wait — pay fees on time, every time

18%–28% p.a. 3 – 12 months ₹10,000 – ₹3 Lakh

Never let fee deadlines derail your child's education. Our School Fee Loan disburses directly to the institution or to your account, covering annual fees, admission costs, uniform, devices, or any education-related expense — with repayment aligned to your salary cycle.

Schools, colleges, coaching institutes eligible
Disbursement direct to institution or parent account
Moratorium option for summer months
Available for private school fees, CBSE, ICSE, state boards
EducationShort TenureFamily
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Medical Loan

Healthcare finance when every hour counts

18%–30% p.a. 3 – 36 months ₹25,000 – ₹5 Lakh

Medical emergencies cannot wait for paperwork. Our Medical Loan is processed with priority — in many cases within the same day — to cover hospitalisation, surgery, diagnostics, post-operative care, or elective treatments not covered by insurance.

Same-day disbursal for emergency cases
Covers hospitalisation, surgery, diagnostics
Accepted at 500+ hospitals in NCR
EMI begins after discharge (30-day moratorium)
EmergencyHealthcareSame-Day
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SME Loan

Growth capital for small and medium enterprises

18%–28% p.a. 12 – 60 months ₹5 Lakh – ₹2 Crore

Purpose-built for Udyam-registered MSMEs. Whether you need to purchase machinery, expand your premises, increase inventory, or hire staff — our SME Loan provides the capital flexibility your business deserves, with minimal documentation and fast turnaround.

Udyam registration accepted as primary proof
GST returns and bank statement–based assessment
Machinery, inventory, and working capital purposes
Overdraft and term loan structures available
MSMEUdyamWorking Capital
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Project Funding

Structured finance for capital-intensive projects

16%–22% p.a. 24 – 120 months ₹50 Lakh – ₹5 Crore

For contractors, developers, and enterprises undertaking large construction, infrastructure, or industrial projects. We structure disbursements milestone-linked to project progress, ensuring capital flows match on-ground execution while keeping interest cost optimal.

Milestone-based drawdown structure
Construction, industrial, and commercial projects
Technical and legal due diligence supported
Dedicated relationship manager assigned
Large TicketInfrastructureStructured
Discuss Your Project

Bill Discounting

Convert outstanding invoices to immediate liquidity

15%–20% p.a. 30 – 180 days ₹10 Lakh – ₹5 Crore

Stop waiting 60–90 days for invoice payments. Our Bill Discounting facility lets you convert verified receivables into immediate working capital — so you can pay your vendors, run your operations, and bid for new contracts without cash flow constraints.

B2B invoice and LC discounting
Up to 90% of invoice value advanced
Revolving facility for repeated use
Government and PSU invoices welcome
B2BInvoice FinanceRevolving
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Supply Chain Finance

Optimise every link in your supply chain

15%–20% p.a. 30 – 90 days ₹25 Lakh – ₹5 Crore

Vendor financing and dealer finance solutions designed for anchor corporates and their ecosystems. We enable anchor buyers to extend payment terms while ensuring their suppliers receive early payment — improving supply chain resilience on both sides.

Vendor and dealer finance programmes
Anchor-led onboarding for sub-vendors
API integration with anchor ERP systems
Dynamic discounting options available
Vendor FinanceAnchorSCF
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Business Loan

Unsecured credit for established businesses

18%–26% p.a. 12 – 60 months ₹5 Lakh – ₹1 Crore

For proprietorships, partnerships, and private limited companies with 2+ years of trading history. Access term loans and working capital limits without pledging assets — based on your GST turnover, bank statements, and business vintage.

Proprietorship, partnership, Pvt Ltd all eligible
GST turnover–based assessment
No collateral for loans up to ₹25 Lakh
Top-up loans available after 6 months
UnsecuredBusinessGST-Based
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Eligibility & Documents

Simple criteria, minimal documents — designed to include, not exclude.

Salaried Individuals

  • Age 21–58 years
  • Minimum salary ₹15,000/month
  • At least 6 months current employment
  • Indian resident with valid Aadhaar

Self-Employed / Business

  • Age 23–65 years
  • Business vintage 2+ years
  • Annual turnover ₹5 Lakh+
  • Udyam / GST registration preferred

Documents Required

  • Aadhaar Card (eKYC or original)
  • PAN Card
  • Last 3 months bank statements
  • Salary slips / ITR / GST returns
  • Address proof (if different from Aadhaar)

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