Lending Products

The right financial support can turn aspirations into achievements. Whether you’re planning to buy your dream home, expand your business, or secure funding for construction and education, having the right lending solution is essential.

Home Loans:

A Home Loan is a financing solution designed to help individuals purchase or enhance residential properties. The loan amount is determined based on income eligibility and typically ranges from 75% to 90% of the property’s purchase value.

Purpose of a Home Loan

Home Loans can be availed for various purposes, including:

  • Purchase of Residential Property – Financing for buying a new or resale home.
  • Plot Purchase & Construction – Buying a plot and constructing a home on it.
  • Home Construction – Building a house on an owned plot.
  • Home Extension – Expanding the existing structure of a home.
  • Home Renovation & Improvement – Upgrading or refurbishing an existing home.
  • Balance Transfer of Existing Home Loan – Transferring an ongoing loan to another lender for better terms.

Whether you are a first-time homebuyer or looking to improve your existing home, our tailored home loan solutions offer flexible repayment options, competitive interest rates, and tax-saving benefits.

Loan Against Property (LAP):

A Loan Against Property (LAP) is a secured financing solution that allows individuals and businesses to leverage the value of their pre-owned residential, commercial, or industrial property while continuing its usage. This loan is offered by banks and financial institutions against the pledged property, providing substantial financial support based on income eligibility and property valuation.

The loan amount typically ranges between 40% to 75% of the property’s market value, depending on factors such as income, creditworthiness, and lender policies. Lease Rental Discounting (LRD) is also available for leased-out properties, allowing borrowers to raise funds based on future rental income.

Purpose of Loan Against Property

LAP can be utilized for various financial needs, including:

  • Marriage Expenses – Fund wedding-related costs effortlessly.
  • Business Expansion & Capital Requirements – Secure financing for scaling or investing in a business.
  • Higher Education – Support educational expenses for domestic or international studies.
  • Medical Emergencies – Manage high medical expenses with ease.

With competitive interest rates, flexible repayment options, and continued property ownership, Loan Against Property serves as an ideal financial tool for individuals and businesses looking for substantial liquidity without selling their assets.

Secured Business Loans (SBL):

Secured Business Loans (SBL) provide financial support to small, medium, and large enterprises to meet their working capital needs and capital expenditures. These loans help businesses manage cash flow, expand operations, and invest in growth opportunities while leveraging assets as collateral.

Types of Secured Business Loans

Secured Business Loans are broadly classified into:

  • Term Loan – Ideal for capital expenditure, business expansion, or asset purchase.
  • Cash Credit (CC) – A revolving credit facility to finance daily working capital needs.
  • Overdraft (OD) – A flexible credit limit allowing businesses to withdraw funds beyond their account balance.

Industry-Specific Business Loans

Certain industries require specialized financing solutions tailored to their operational needs, such as:

  • Construction Finance – Funding for real estate developers and infrastructure projects.
  • Loans for Hotel & Hospitality Industry – Financial support for hotel construction, renovation, and operations.
  • Loans for Educational Institutions – Financing for schools, colleges, and training centers.
  • Need-Based Structured Finance – Customized financial solutions based on specific business requirements.
  • Bill Discounting & Invoice Financing – Short-term funding against unpaid invoices to maintain cash flow.
  • Packing Credit – Pre-shipment finance for exporters to fulfill orders.
  • Bank Guarantee (BG) – Ensuring financial credibility in contractual obligations.

With flexible repayment options and competitive interest rates, Secured Business Loans offer a reliable way to strengthen financial stability and fuel business growth.

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