Mortgage loan or loan against property means the borrower takes a loan which is secured against his current residential or commercial property. The benefit of mortgage loan is that it considers the market value of the property as on date which allows the borrower to get higher sanction of loan. Best is, the loan money can be used to meet financials requirements of any kind, one can apply for a loan against already owned residential or commercial property and end use of the fund could be investment in business, renovation of property, extension of property, education expenses or a foreign trip etc.

For those with challenging credit situations we will make available possible options to cater your financial needs as we believe where there is a will, there is a way!

Businesses need money for several reasons, right from working capital needs to expansion plans to opening up a new branch or for innovation in the existing business. Loan given to self-employed, professionals or company without any collateral security is called a business loan.
The sanction of business loan is largely based on the creditworthiness of the borrower and the firm wherein the lender i.e. bank or the financial institutions first analyses the credit scores before offering loan. They will also look at the financial statements for the past 3 years, bank statements, nature of business, its current and expected returns and the market trend.
The loan amount could be from INR 5 lac to INR 1 Cr. and the tenure would be between 1 to 5 years.

Types of Business Loan

• Working Capital Loan
• Term Loan
• Over Draft & Cash Credit Facility
• Lease Rent Discounting

Our advisors are experts in helping you avail the best business loan with customer friendly terms.

Home loan is a secured loan given to salaried individuals, self-employed, professionals and NRIs who aspire to build or buy a house. The property so purchased is mortgaged in the name of the lending institution as security, till the time the loan is fully repaid.
To buy a house, be it under construction, ready or resale property, the residence buyer can seek for loan from banks or financial institutions through financial advisors or home loan agents.
The terms and conditions of the housing loan can differ widely in terms of loan amount, maturity period, interest rate, repayment mode, etc.

Types of Home Loan

• Home Purchase Loan
• Home Improvement Loan
• Home Construction Loan

We have expertise in identifying the banks and institutions that offer the loan on most friendly terms & our advisors strive to provide you the most competitive home loan deal.

Personal loan is capable of fulfilling all your emergency and unplanned financial needs. Personal Loans are of two types:

• Secured personal loan : These loans are secured against gold, high surrender value insurance policies, the pledge of securities, etc
• Unsecured personal loan: These loans are collateral free loan based on income documents of individual where creditworthiness of borrower will be assessed based on his past track records of loans and credit score.

Personal Loan is very handy and is commonly known as all-purpose loan as it can be availed for fulfillment of any valid personal need, be it wedding, medical emergencies, home renovation, higher education, festival, vacation or purchasing consumer durable. The amount of loan can be ranged from INR 1 Lac – INR 50 Lac and the tenure for repaying the loan varies from 1 to 5 years.

Loan against securities (LAS), a facility offered by Banks and NBFCs to create instant liquidity for any personal or business requirements against collateral of your investment in securities while keeping their ownership with you at competitive interest rates. This product is also suitable for clients, who want to take the inherent benefits of leveraging and want to keep delivery of stocks for longer period of time with their partial margin.

LAS is available in the form of an overdraft facility which is against pledge of your investment in financial instruments like shares, units of mutual funds, bonds and debenture etc. The amount of loan you are eligible for depends on the value of the securities you offer as collateral and any appreciation in the value of the securities given as collateral would automatically allow enhancement in drawing power. Any corporate action benefit like dividend, bonus etc. deriving out of these collaterals will accrue to the client only