Home loan : Home loan is long term product to finance the purchase of property. You have to make a down payment (percentage of the purchase consideration) and the lender will provide rest of the funds. For under construction properties, the home loan can also be construction linked. You have to make loan re-payments in equal monthly instalments (EMI). In home loan, the property will be lien with the lender.

Vehicle loan : Vehicle loan is a medium term product to finance the purchase of a vehicle e.g. two wheeler, four wheeler etc. You have to make minimum down payment (percentage of the vehicle price) and the lender will provide rest of the funds. You have to make loan re-payments in equal monthly instalments (EMI). In vehicle loan, the vehicle will be lien with the lender.

Personal loan : This is an unsecured loan for certain short term tenure. Loan approval will depend on your credit history. There are two types of personal repayments. The most popular repayment is in equal monthly instalments (EMI). Some lenders may allow bullet repayment, whereby you will have to pay the interest every month and the principal at the end of the tenure.

MSME loan : MSMEs can finance their short term and long term financing needs through MSME loans. MSME loans can be for working capital, for purchase of commercial assets and equipment or for finance business growth plans. MSME loan are usually backed by collateral, but there may be collateral free loan products also.

Business Loan : Get hassle-free funding for your business without any collateral. Our unsecured business loans offer quick approvals, minimal documentation, and flexible repayment options perfect for managing working capital, expanding operations, or meeting urgent business needs. Grow your business on your terms.

Loan against property : Like gold loans, you can also get loan against your property (residential or commercial). The loan amount to be disbursed is calculated as percentage of the property value. Your property documents will be lien with the lender. Loan against property can be medium or long term loans. You have to make loan re-payments in equal monthly instalments (EMI).

Loan against shares : You can also get loan against shares owned by you. The loan amount to be disbursed is calculated as percentage of the market value of the shares. You will have to pledge your shares to the lender. The shares should be part of the lenders list of approved securities. The shares will not be transferred to the lender. They will remain in your demat account. The depository will mark lien against the shares pledged by you. Once you repay the loan, the lien will be removed from the shares.

Loan against mutual fund units : This is very similar to loan against shares. You can get a loan by pledging your mutual fund units. The mutual fund schemes should be part of the lenders list of approved schemes. The loan amount to be disbursed is calculated as percentage of the NAV of the mutual fund units. Different percentages are applicable for equity and debt mutual fund schemes. You do not need to have a demat account to take loan against mutual funds. The Registrar and Transfer Agent (RTA) will mark lien against the mutual fund units pledged by you. Once you repay the loan, the lien will be removed from the mutual funds.