Our Services

Loan

The right loan isn’t just financing, it’s strategy. With the correct structure and tenure, a loan can strengthen cash flow, open new opportunities, and give your plans the momentum they deserve.

Loan Against Property

A secured loan offered against residential, commercial and industrial property. It helps individuals and businesses raise funds for expansion, debt consolidation, or personal requirements. The loan value is based on the market value of the property, and interest rates are comparatively lower due to collateral security.

Home Loan

A long-term loan provided for purchasing, constructing, or renovating a residential property. The property funded acts as the collateral. Home loans generally offer competitive interest rates and flexible repayment tenures, making home ownership financially planned and convenient.

Working Capital Finance (OD / CC / BG / LC)

Financial solutions designed to support day-to-day business operations:

  • OD (Overdraft) / CC (Cash Credit): Helps in managing inventory and receivables.

  • BG (Bank Guarantee): The bank assures payment if the applicant fails to meet contractual obligations.
  • LC (Letter of Credit): Ensures secure payments in domestic or international trade.

Commercial Property Purchase Loan

A secured loan for acquiring commercial real estate such as office spaces, retail shops, warehouses, or industrial units. Loan assessment is based on business financials, projected cash flow, and property value.

CGTMSE – Collateral-Free Business Loan

A government-backed loan scheme for MSMEs, where no collateral is required. The credit guarantee is provided under the CGTMSE Trust, enabling new and existing businesses to raise funds without pledging property or assets.

Unsecured Business Loan

A short-term credit facility offered without collateral, based on the business’s income, cash flow, bank statements, and credit profile. Suitable for managing immediate working capital needs or short-term business growth requirements.

Car Loan

A secured loan offered for the purchase of new or pre-owned vehicles. The vehicle remains hypothecated to the lender until repayment is completed. Repayment is done through fixed EMIs over a chosen tenure.

Personal Loan

A multi-purpose, collateral-free loan provided to individuals based on income and credit score. It can be used for expenses such as travel, medical emergencies, weddings, or planned personal needs. Interest rates vary as per the applicant’s creditworthiness.