Personal & Retail Loans
Quick, paperless, and hassle-free loans for your personal needs. We ensure 24-48 hour disbursement for eligible candidates with minimal documentation.
Personal Loan
Ideal for wedding, medical emergency, travel, or debt consolidation.
| Loan Amount | ₹50k - ₹25 Lakhs |
| Interest Rate | 10.49% - 14% p.a. |
| Tenure | 1 - 5 Years |
| Processing Time | 24-48 Hours |
Eligibility & Documents
- Salaried or Self-Employed
- Min Income: ₹15,000/month
- Aadhaar, PAN, Bank Statement
- CIBIL Score: 650+
Home Loan
For purchasing flat, house construction, or home renovation.
| Loan Amount | ₹5 Lakhs - ₹5 Cr |
| Interest Rate | 8.40% - 9.50% p.a. |
| Tenure | Up to 30 Years |
| LTV Ratio | 90% of Property Value |
Key Benefits
- Tax Benefit under Section 80C
- PMAY Subsidy Available
- Balance Transfer Facility
- Top-up Loan Option
Car Loan
Loans for New Cars and Pre-owned (Used) Cars.
| New Car Interest | 8.70% - 9.50% p.a. |
| Used Car Interest | 10.50% - 12% p.a. |
| Funding | 100% On-Road Price |
| Tenure | Up to 7 Years |
Required Documents
- KYC Documents (Aadhaar, PAN)
- Income Proof (ITR/Salary Slip)
- Vehicle Quotation/Invoice
- Bank Statements (6 months)
Education Loan
For Higher Studies in India or Abroad with moratorium.
| Loan Amount | Up to ₹1.5 Crore |
| Interest Rate | 9.50% - 11% p.a. |
| Moratorium Period | Course Duration + 1 Year |
| Coverage | Fees + Hostel + Travel |
Eligibility Criteria
- Confirmed Admission Letter
- Co-applicant Required (Parents)
- Tax Saving under Section 80E
- Collateral for loans above ₹7.5L
Gold Loan
Instant cash against your gold ornaments within 30 minutes.
| Loan Amount | Per Gram Rate (Market) |
| Interest Rate | 0.75% - 1% per month |
| Disbursal Time | 30 Minutes |
| Gold Storage | Bank Locker (Insured) |
Why Choose Gold Loan?
- No Income Proof Required
- Pay Interest Only Option
- Part Release Facility Available
- Minimum Documentation
Instant Loan
Emergency funds processed 100% digitally in minutes.
| Loan Amount | ₹5,000 - ₹5 Lakhs |
| Interest Rate | 1.5% - 2% per month |
| Tenure | 3 - 24 Months |
| Processing Mode | 100% Digital/Paperless |
Minimal Requirements
- Aadhaar Linked Mobile Number
- Active Bank Account
- PAN Card Mandatory
- CIBIL Score Check
Business & Corporate Loans
Fuel your business growth with our tailored financial products. We offer both secured and unsecured options for MSMEs, Startups, and Established Enterprises.
Business Loan
Unsecured loans for working capital and business expansion.
| Loan Limit | ₹5 Lakhs - ₹50 Cr |
| Interest Rate | 11.99% - 16% p.a. |
| Tenure | 1 - 5 Years |
| Collateral | Not Required |
Eligibility Criteria
- Business Vintage: Min 2 Years
- Annual Turnover: ₹10 Lakhs+
- GST Registration & ITR Filed
- CIBIL Score: 700+
Loan Against Property
High-value secured loan against Residential or Commercial property.
| Loan Limit | ₹10 Lakhs - ₹10 Cr |
| Interest Rate | 9.25% - 11% p.a. |
| Tenure | Up to 15 Years |
| LTV Ratio | 65% of Market Value |
Accepted Properties
- Residential House/Flat
- Commercial Shops/Office
- Industrial Plots/Buildings
- Self-occupied or Rented
Working Capital
For inventory, raw materials, and operational expenses.
| Loan Limit | ₹5 Lakhs - ₹10 Cr |
| Interest Rate | 12% - 15% p.a. |
| Type | CC / OD / Term Loan |
| Tenure | 12 - 36 Months |
Loan Types Available
- Cash Credit (CC) Facility
- Overdraft (OD) Facility
- Term Loan (Fixed Period)
- Bill Discounting
Machinery Loan
For purchasing new equipment and industrial machinery.
| Loan Amount | ₹5 Lakhs - ₹5 Cr |
| Interest Rate | 10% - 13% p.a. |
| Funding | 80% - 90% of Value |
| Tenure | Up to 7 Years |
Features
- New & Used Machinery
- Flexible Repayment Options
- Quick Approval Process
- Depreciation Benefits
Micro Loan
Small loans for daily wagers, vendors, and small shops.
| Loan Limit | ₹5,000 - ₹50,000 |
| Interest Rate | 12% - 18% p.a. |
| Repayment | Daily / Weekly / Monthly |
| Service | Doorstep Collection |
Who Can Apply?
- Street Vendors & Hawkers
- Small Shop Owners (Kirana)
- Self-Help Groups (SHG)
- Daily Wage Workers
Commercial Vehicle
For trucks, buses, taxis, and commercial vehicles.
| Loan Amount | ₹5 Lakhs - ₹1 Cr |
| Interest Rate | 9.5% - 12% p.a. |
| Funding | 90% - 95% On-Road |
| Tenure | Up to 7 Years |
Vehicle Types
- Heavy Commercial Vehicles
- Light Commercial Vehicles
- Passenger Vehicles (Taxi/Bus)
- Used Commercial Vehicles
Government Subsidy Schemes
We specialize in project report preparation, documentation, and file processing for all major Central and State Government loan schemes with subsidy benefits.
PM Mudra Yojana
Collateral-free loans for micro units and small businesses.
- Shishu Up to ₹50,000
- Kishore ₹50k - ₹5 Lakhs
- Tarun ₹5L - ₹10 Lakhs
PMEGP Scheme
Loan with 15-35% subsidy for new business establishments.
- Manufacturing Max ₹50 Lakhs
- Service Sector Max ₹20 Lakhs
- Subsidy Range 15% - 35%
Startup India
For innovative startups with scalable business models.
- Funding Support Up to ₹10 Cr
- Tax Holiday 3 Years Exemption
- Compliance Self Certification
MSME Loan (CGTMSE)
Collateral-free loan under Credit Guarantee Scheme.
- Loan Limit Up to ₹2 Crore
- Interest Rate 7% - 9% p.a.
- Type Term / Working Capital
Stand-Up India
For SC/ST and Women Entrepreneurs starting new ventures.
- Loan Amount ₹10L - ₹1 Crore
- Tenure Up to 7 Years
- Project Type Greenfield Only
PM SVANidhi
Micro credit scheme for Street Vendors with subsidy.
- 1st Loan Cycle ₹10,000
- 2nd Loan Cycle ₹20,000
- Interest Subsidy 7% Cashback
Start Your Financial Success Journey Today
Let us help you achieve your financial goals with our expert guidance and comprehensive solutions
Founder
Mr. Vaibhav Subhash Naik
Swami Capitals
Visit Office
837, Swami Bunglow
Vengurla, Sindhudurg
Maharashtra - 416516