Personal Loan
Quick funding for all your personal needs without collateral
Quick Approval & Disbursal
Get instant approval within 24-48 hours with minimal documentation. Funds are directly credited to your bank account making it perfect for urgent financial needs.
- Online application process - apply from anywhere
- Instant digital verification of documents
- Same-day disbursal for pre-approved customers
Competitive Interest Rates
Interest rates starting from 10.5% p.a. with flexible tenure options. Choose repayment period from 12 months to 60 months based on your convenience.
- Fixed interest rate - know your exact EMI
- No hidden charges or processing fees surprise
- Special rates for existing customers
No Collateral Required
Completely unsecured loan with no need for any property, assets, or guarantor. Your income and credit score are the only requirements.
- No property papers or mortgage needed
- No guarantor or co-applicant mandatory
- Keep your assets free for other uses
High Loan Amount
Borrow from ₹50,000 to ₹40 lakhs based on your income and credit score. Higher loan amounts available for excellent credit profiles.
- Loan amount up to 20x of monthly salary
- Top-up facility on existing loans available
- Pre-approved offers for eligible customers
Key Benefits & Advantages
Instant Disbursal
Funds credited directly to your bank account within 24-48 hours of approval with minimal waiting time
Flexible Usage
Use for medical emergencies, weddings, education, travel, home renovation, or any personal requirement
Simple Documentation
Minimal paperwork - just identity proof, address proof, and income proof documents required
Prepayment Option
Foreclose your loan anytime with minimal or no prepayment charges and reduce interest burden
Fixed EMI Structure
Know exactly how much you need to pay each month with fixed EMI making budgeting easier
Credit Score Building
Timely repayments help improve your credit score for better financial opportunities in future
Eligibility Criteria
- Age: 21 to 60 years for salaried, 25 to 65 years for self-employed
- Income: Minimum ₹15,000 per month for salaried individuals
- Employment: Minimum 2 years work experience with 1 year in current job
- Credit Score: CIBIL score of 750+ for best rates, minimum 650 required
Required Documents
- PAN Card (mandatory for all loans)
- Aadhaar Card for identity verification
- Last 3 months salary slips for salaried
- 6 months bank statement showing salary credits
- Address proof (Utility bill/Rent agreement)
- Recent passport size photographs
Business Loan
Fuel your business growth and expansion with customized funding
High Funding Amount
Get up to ₹50 crore funding based on your business turnover, profitability, and future projections.
- Funding for both new and existing businesses
- Special schemes for MSME sector units
- Industry-specific loan products available
Flexible Repayment Tenure
Repayment tenure up to 7 years with customized EMI options matching your seasonal business cash flow patterns.
- Step-up EMI for growing businesses
- Seasonal repayment for agriculture-related business
- Bullet payment option for project financing
Working Capital Loans
Special working capital solutions for managing day-to-day business operations, inventory, and cash flow needs smoothly.
- Cash credit and overdraft facilities
- Invoice discounting and factoring services
- Bill discounting for trade transactions
Equipment & Asset Finance
Dedicated loans for assets - purchase machinery, equipment, commercial vehicles, and other business assets.
- Up to 90% financing on equipment cost
- New and used machinery both covered
- Technology upgrade financing available
Key Benefits & Advantages
Business Expansion
Use funds for opening new branches, expanding operations, entering new markets, and scaling your business
Inventory Management
Purchase raw materials, stock, and inventory in bulk without cash flow constraints and get better discounts
Technology Upgrade
Invest in latest technology, software, equipment, and automation to stay competitive in the market
Tax Benefits
Interest paid on business loans is tax-deductible as business expense under Income Tax Act provisions
Retain Full Ownership
No equity dilution - you retain 100% ownership and complete control of your business operations
Customized Solutions
Loan structures tailored to your specific industry requirements, business model, and cash flow patterns
Eligibility Criteria
- Business Age: Minimum 2-3 years of operations with consistent profitability
- Turnover: Minimum ₹10 lakh annual turnover, varies by lender and loan amount
- Business Type: Proprietorship, Partnership, Pvt Ltd, LLP, Public Limited eligible
- Credit History: Good business and personal credit score with clean track record
Required Documents
- Business registration certificate and incorporation documents
- PAN & Aadhaar of all partners/directors/proprietor
- Last 2 years ITR with computation & financial statements
- 12 months bank statement of business account
- GST returns for last 12 months (if applicable)
- Business address proof and ownership documents
Home Loan
Turn your dream home into reality with affordable financing
Lowest Interest Rates
Interest rates starting from 8.5% p.a. with special concessional rates available for women borrowers.
- Fixed and floating rate options available
- 0.05% discount for women co-applicants
- Special rates for salaried employees of corporates
Long Repayment Tenure
Flexible tenure up to 30 years making your EMI affordable and manageable within your monthly budget.
- Step-up EMI for young professionals
- Joint loan with spouse for higher eligibility
- Part-prepayment allowed without penalties
High Loan-to-Value Ratio
Get up to 90% of property value funded, maximum up to ₹10 crore for premium residential properties.
- Lower down payment requirement from own funds
- Registration and stamp duty also can be financed
- Top-up loan facility on existing home loans
Significant Tax Benefits
Save up to ₹3.5 lakh annually through tax deductions available under various sections of Income Tax Act.
- ₹1.5 lakh deduction on principal payment (80C)
- ₹2 lakh deduction on interest payment (24b)
- Additional ₹1.5 lakh for first-time buyers (80EEA)
Key Benefits & Advantages
Wealth Creation
Build long-term wealth by owning real estate property that appreciates in value over the years
Maximum Tax Savings
Deduction up to ₹1.5 lakh on principal (80C) and ₹2 lakh on interest (24b) reducing your tax burden
Multiple Property Options
Purchase ready-to-move, under-construction, plot, renovation, extension - all types covered under home loan
Balance Transfer Facility
Switch from existing lender to get better interest rates, lower EMI, and additional top-up amount
Top-up Loan Benefit
Get additional funds against existing home loan at attractive rates for any personal or business needs
Rental Income Support
If you rent out the property, rental income can help pay monthly EMI making loan servicing easier
Eligibility Criteria
- Age Limit: 21 to 65 years at loan maturity, co-applicant can extend eligibility
- Income: Stable monthly income of minimum ₹25,000 for salaried individuals
- Employment: Salaried employees, self-employed professionals, business owners all eligible
- Property: Clear title, approved by authorities, ready-to-move or under-construction
Required Documents
- Identity proof (PAN, Aadhaar, Passport, Driving License)
- Income proof (Salary slips for 3 months / ITR for 2 years)
- 6 months bank statement showing salary/income credits
- Property documents and sale agreement with builder/seller
- Property ownership papers and chain of title documents
- NOC from builder/society and occupancy certificate
Education Loan
Invest in your future with quality education financing
Study Anywhere in World
Finance education in India or abroad at top universities and colleges worldwide including USA, UK, Canada, Australia.
- Covers both domestic and international education
- Professional courses, graduation, post-graduation all included
- Vocational and skill development courses also eligible
Complete Cost Coverage
Covers all education expenses including tuition, hostel, books, travel, laptop, exam fees - everything related to education.
- 100% tuition fees financing available
- Living expenses and accommodation costs included
- Travel and visa processing fees also covered
Moratorium Period Benefit
No EMI during study period plus additional 1 year after course completion or getting job, whichever is earlier.
- Focus on studies without repayment worry
- Simple interest only during moratorium period
- Start repaying after you get job and income
Tax Deduction Benefits
Interest paid is tax-deductible under Section 80E with no upper limit for maximum 8 years after loan disbursal.
- Reduce your taxable income significantly
- No maximum limit on interest deduction
- Available for full loan tenure period
Key Benefits & Advantages
No Collateral Up to ₹7.5L
For education loans up to ₹7.5 lakh, no collateral or third-party guarantee required making it easily accessible
Parent/Guardian as Borrower
Parents or guardians can avail loan for ward's education with student as co-borrower for better terms
Flexible Repayment Options
Start repaying after getting job with income-based EMI options matching your earning capacity
Wide Course Coverage
Covers graduation, post-graduation, professional courses, diploma programs, research programs - all types included
Special Rate for Girls
Many banks offer 0.5% interest rate concession for girl students promoting women's education
Free Life Insurance Cover
Complimentary insurance cover for student during the entire loan tenure period for safety
Eligibility Criteria
- Student Age: Minimum 18 years, maximum age varies by course duration and bank
- Academic Record: Good performance in 10th, 12th, and previous qualifying examinations
- Admission Proof: Confirmed admission in recognized university/college in India or abroad
- Co-applicant: Parent/guardian/spouse as co-applicant with stable income mandatory
Required Documents
- Admission letter and fee structure from college/university
- Mark sheets of 10th, 12th, graduation and entrance exams
- Complete fee structure and expense breakdown from institution
- ID & address proof of student, parents, and co-applicant
- Income proof of co-applicant (salary slips/ITR)
- Bank statements for last 6 months of co-applicant
Gold Loan
Instant cash against your gold jewelry with safe custody
Lightning Fast Approval
Get loan approved and disbursed within 30 minutes with minimal documentation and instant gold valuation process.
- Walk-in with gold, walk-out with cash
- No CIBIL score or credit history check needed
- Online and offline application both available
Lowest Interest Rates
Competitive rates starting from 7% p.a., significantly lower than personal loans and credit cards interest rates.
- Fixed and reducing balance options available
- No hidden charges or surprise fees
- Interest calculated only on utilized amount
100% Safe Custody
Gold stored in bank's secure lockers with complete insurance coverage and protection against theft or damage.
- Bank-grade security with 24x7 surveillance
- Fire and theft insurance included free
- Regular audit and verification process
Flexible Repayment Options
Multiple repayment schemes available - pay interest only monthly, quarterly, or full principal at maturity as per convenience.
- Part-prepayment allowed anytime without penalty
- Foreclose loan and get gold back instantly
- Extend loan tenure if needed with approval
Key Benefits & Advantages
No Credit Score Required
CIBIL score or credit history not required - loan approval based purely on gold value and purity only
Instant Cash in Hand
Get cash in hand within 30 minutes of gold appraisal, valuation, and completion of minimal documentation
Continue Owning Gold
Your gold ownership remains with you, get it back in original condition after full loan repayment
Minimal Documentation
Just identity proof and address proof needed for loan, no income proof or financial documents required
Flexible Loan Tenure
Choose tenure from 3 months to 3 years based on your repayment capacity and financial planning
Part Payment Facility
Make partial payments anytime during tenure to reduce outstanding principal amount and interest burden
Eligibility Criteria
- Age: Minimum 18 years, maximum 70 years at the time of loan application
- Gold Purity: Minimum 18 karat gold jewelry, coins, or ornaments accepted as collateral
- Loan Amount: Up to 75% of current market gold value, from ₹10,000 to ₹1 crore
- Citizenship: Indian resident with valid identity and address proof documents
Required Documents
- PAN Card (mandatory for loans above ₹50,000)
- Aadhaar Card / Voter ID / Passport for identity
- Address proof document (utility bill/rent agreement)
- Recent passport size photographs (2-3 copies)
- Gold jewelry, ornaments, or coins for pledge
- Purchase invoice of gold (if available, not mandatory)
🏛️ Government Loan Schemes 🏛️
🏦 MUDRA Loan - Micro Units Development & Refinance Agency
MUDRA loans are collateral-free loans provided to micro and small enterprises under three progressive categories - Shishu (up to ₹50,000 for starting small business), Kishor (₹50,001 to ₹5 lakh for growth phase), and Tarun (₹5 lakh to ₹10 lakh for expansion). These loans support small businesses, artisans, food service units, vendors, shopkeepers, repair shops, machine operators, transport operators, and service sector enterprises with complete working capital and equipment finance without any collateral requirement.
🏭 PMEGP - Prime Minister's Employment Generation Programme
PMEGP scheme provides substantial financial assistance for setting up new micro-enterprises and generating sustainable employment opportunities in manufacturing, service, and trading sectors across India. Government subsidizes 15-35% of total project cost (higher subsidy rates for special categories like SC/ST/OBC/minorities/women/physically handicapped/ex-servicemen). The remaining amount is provided as term loan by banks at reasonable interest rates. This comprehensive scheme covers both working capital and equipment purchase requirements.
🚀 Stand-Up India Scheme - SC/ST & Women Entrepreneurship
Stand-Up India facilitates bank loans between ₹10 lakh and ₹1 crore to Scheduled Caste (SC), Scheduled Tribe (ST), and women entrepreneurs for setting up greenfield enterprises in manufacturing, services, agro-industry, or trading sector. Each bank branch is mandated to extend at least one loan to SC/ST category borrower and one loan to woman entrepreneur. The scheme provides comprehensive handholding support including skill development programs, mentoring assistance, and credit guarantee coverage through NCGTC making entrepreneurship accessible to underrepresented sections.
💡 Startup India Scheme - Innovation & Entrepreneurship
Startup India initiative provides comprehensive ecosystem support to eligible startups including significant tax exemptions, simplified compliance procedures, faster IPR (Intellectual Property Rights) processing, easy access to funding opportunities, and government procurement preferences. Startups can avail substantial loans under Credit Guarantee Scheme with collateral-free debt funding up to ₹10 crore. The scheme promotes innovation, research & development, job creation, and entrepreneurship culture across India by providing fund of funds corpus, incubation support, and international exposure opportunities to promising startups.
🏡 Pradhan Mantri Awas Yojana (PMAY) - Home Loan Interest Subsidy
PMAY provides substantial interest subsidy on home loans making home ownership affordable and accessible for economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG-I and MIG-II). The scheme works through Credit Linked Subsidy Scheme (CLSS) mechanism with interest subsidy benefit ranging from 3% to 6.5% on eligible loan amount. This direct subsidy significantly reduces EMI burden and total interest outgo over loan tenure. The scheme is applicable for purchase or construction of new houses in urban and rural areas with woman ownership being mandatory for availing the subsidy benefits.
🌾 Kisan Credit Card (KCC) - Comprehensive Agricultural Loan Scheme
Kisan Credit Card scheme provides adequate, timely, and hassle-free credit support to farmers for diverse agriculture and allied activities including crop production, maintenance of agricultural assets, post-harvest expenses, marketing, working capital needs, and consumption requirements. Farmers can avail short-term crop loans with attractive interest subvention of 2% per annum provided by Government. Additionally, farmers get 3% interest incentive benefit on prompt repayment making the effective interest rate only 4% per annum - the lowest in entire banking industry making agriculture financing extremely affordable.