• All resident individuals can apply. The lessee must however be a company as defined under the Companies Act, 1956.
  • Funding will be done only against ready commercial property. The same will be restricted to 85% of the net present value of the future rentals or 50% of the value of property, whichever is lower.

  • We have a range of products to cover your varied needs from our principles. You can avail Easy & Hassle Free of our Loan Against Property for any of the following:

  • Loan against Residential Property
  • Loan Against Commercial Property
  • Loan Against Industrial Property
  • Loan Against Vacant Land ( Non Agri)
  • Loan Against Patta / Gramanatham / Panchayat / X-Owner Patta / Joint Patta etc.
  • Loan Against trust property (School / College / Educational insistitues )
  • Loan against multi tenant Property
  • Balance transfer facility - Lets you retire your high cost debt
  • Loan against Rent Receivables - Lease rental discounting etc…

Provides an extensive range of non home loan products like Loan for Purchase & Construction of Commercial Property, Loan Against Residential & Commercial Property and Lease Rental Discounting.

  • services ensuring easy and fast approval & disbursal of loans.
  • Excellent post disbursement services.
  • Facility of enhancement in loan amount in the event of escalations in cost.
  • High standards of ethics, integrity and transparency.
  • Various repayment options.

Avail project loans for running Schools / Colleges / Existing Companies etc. Based on the customer profile, income & Asset they will get the funding upto 65% from the project cost.


Not all lenders ask for the same thing as security on a secured business loan, but you should expect to pledge assets such as the following:

  • Commercial property
  • Land.
  • Vehicles
  • Equipment
  • Or, instead of individual assets, some lenders request the net worth of all assets.

It's important to bear in mind that the value of your assets must be sufficient for a lender to justify giving you the loan.


  • Loans are given against the title of ownership of assets, which will be used as collateral (like homes, vehicles, assets, property).
  • Lower interest rates as compared to unsecured loans, because the bank has a higher level of confidence in your ability to repay.
  • More flexible repayment options than regular loans.
  • Option of fixed rate and variable rate.
  • There is no need for a guarantor for these types of loans.
  • Banks and lenders can repossess assets for which loans were taken.
  • Improves CIBIL score once secured loan has been repaid in full. More favourable than unsecured loans.

You must meet the following requirements to be eligible for a secured loan:

  • Your age should not be less than 21 years and not more than 65 years non-professional, at the time of loan maturity.
  • You should either be a self-employed professional / non-professional.
  • Applicant must be a resident of India.
  • Most banks and lenders require the applicant to have a minimum annual income of Rs.3 lakh per annum.
  • Loan amount eligibility is decided based on customer cash flow, security and internal credit model.
  • For loans based on business income, the business must have been running and generating a profit for the last 3 years..
  • Applicant must have assets, whose value must match or exceed value of loan required.

  • Senior citizens of India (above 60 years of age) who own a residential property.
  • Check your borrowing limits.
  • Minimum Limit - Rs. 5,00,000.li>
  • Maximum Limit - Rs. 100,00,000.
  • Loan up to 60% of market value of residential property depending on age of borrowers.

  • The borrower shall maintain the home as their permanent primary residence.
  • The borrower shall regularly pay the property taxes and insurance.
  • The home is maintained to preserve its value.
  • The residential property must be free from any encumbrances.

Overdraft

An overdraft facility provided by a lender such as a bank or non-banking financial company is a type of loan which you borrow up to the limit permitted through your account with the lender.

An overdraft facility allows you to write cheques or withdraw cash from your current account up to the overdraft limit approved. It is a short-term (usually up to 12 months) standby credit facility which is usually renewable on a yearly basis. It is repayable on demand by the bank at any time.

Benefit : Use for Business or personal.

Security : Assets like financial instrument and property.

Account : Current Account.

Cash Credit

Cash credit is a type of short term loan provided to companies to fulfill their working capital requirement. Overdraft is a facility given by the bank to companies, to withdraw money "more" than the balance available in their respective accounts.

The cash credit facility is generally given for a period of 12 months and reviewed / revised at the end of the year.

Security : Pledge or hypothecation of inventory.

Account : CC Account.

Working Capital

Working Capital facility to the industry to finance day-to-day requirement. The working capital funds are generally required for purchase of raw materials, stores, fuel, for payment of labour, power charges, for storing finished goods till they are sold out & for financing the sales by way of sundry debtors / receivables. Cash Credit facility is granted to the customers to bridge working capital gap.

Repayment : A working capital loan is to be repaid in limited number of installments

Tenure: A working capital loan is a short term loan and its tenure is usually a few months or years.

Allowed principle: A Working Capital Loan is capped much lower than a term loan

Term Loan

A Term Loan is an asset backed long term loan that has a specific repayment schedule.

Repayment: A term loan has to be repaid in multiple regular installments over a period of time.

Tenure: A term loan, being a long-term loan has a longer tenure that can go as long as ten years.

Allowed Principal: A term loan usually has a larger principal as it is used for the purchase of long-term assets.

Other Services

LC (Letter on credit), BG (Bank Guarantee), SLCC, etc

Loan For Real Estate Developers

Construction Finance or Project Finance is a unique offering under which some banks directly finances real estate developers for projects they are developing. This product comes with customized offerings built around real estate developer’s project acquisition and construction cost basis a detailed evaluation of the project .Our focus in Construction Finance is primarily on financing residential projects which give fillip to retail mortgage business.