Simple & Reliable Loan Solutions for Every Need
We offer a wide range of loan services designed to meet your personal and financial goals. Whether you need funds for personal use, business growth, education, or emergencies, our loan options come with flexible repayment plans, quick approvals, and transparent processes. Our team is committed to helping you choose the right loan with ease and confidence.
Personal Loan
Purpose: Medical needs, education, travel, emergency expenses, household requirements
Customer Type: Salaried or self-employed individuals
Risk Level: Medium
Tenure: 3 – 12 months
Loans are considered when:- Borrower has stable and verifiable income proof
- Bank statement reflects consistent income inflow
- Genuine personal financial requirement exists
- KYC and field verification are clear
Business Loan
Purpose: Working capital, stock purchase, shop expansion
Customer Type: Shopkeepers, traders, small business owners
Risk Level: Medium–High
Tenure: 6 – 18 months
Loans are considered when:- Business has been operational for at least 6 months
- Daily or weekly income is stable
- Shop or market verification is positive
- Regular customer flow is observed
Micro / Small Ticket Loan (Core Product)
Purpose: Street vendors, hawkers, labourers, micro-business needs
Customer Type: Daily earners, food stalls, vendors
Risk Level: High
Tenure: 3 – 10 months
Loans are considered when:- Borrower earns approximately ₹300 – ₹1,500 per day
- Local area and residence verification is successful
- Borrower is traceable and locally stable
- Small but regular daily cash flow is observed
Emergency Loan
Purpose: Medical emergency, accident, urgent family requirements
Customer Type: Individuals with valid income source
Risk Level: Medium
Tenure: 1 – 6 months
Loans are considered when:- Immediate and genuine emergency requirement exists
- Borrower agrees to short-term repayment structure
- Verification and KYC status are stable
Bullet Loan (Limited Use)
Purpose: Short-term urgent fund requirement
Customer Type: Business persons or quick repayment customers
Risk Level: High
Tenure: 15 / 30 / 45 / 60 / 90 days
Loans are considered when:- Borrower expects confirmed inflow in the short term
- Strong repayment capacity is evident
- Preferably extended to repeat or known customers only
Daily / Weekly / Monthly Repayment Loan
Purpose: Daily capital rotation for micro and small shops
Customer Type: Vendors, daily sellers, small shop owners
Risk Level: High
Tenure: 30 / 100 / 200 days
Loans are considered when:- Daily earnings are verified
- Borrower is easily accessible for collections
- Business activity is regular and stable
Mahila Group Loan (Women Group Loan)
Purpose: Income generation, small business, livelihood support
Customer Type: Women Self Help Groups / Joint Liability Groups (5–20 members)
Risk Level: Medium
Tenure: 6 – 24 months
Loans are considered when:- Group has existed for a minimum of 6 months
- Regular group meetings and savings history are maintained
- Group resolution for loan is formally passed
- Joint liability is accepted by all members
- President and Secretary KYC are verified
Hire Purchase Loan
Purpose: Bike, machinery, or equipment under hire-purchase model
Customer Type: Mechanics, technicians, freelancers
Risk Level: Medium
Tenure: 6 – 18 months
Loans are considered when:- Asset bill and valuation are available
- Asset is traceable for recovery purposes
- Asset is used for income generation
Leasing / Rental Finance (Selective)
Purpose: Equipment or vehicle for rental income
Customer Type: Rent-based business operators
Risk Level: Medium
Tenure: 6 – 24 months
Loans are considered when:- Borrower has a proven rental income model
- Asset is used strictly for commercial purposes
Equipment / Machinery Finance
Purpose: Sewing machines, welding machines, salon tools, computers
Customer Type: Tailors, welders, salon workers, technicians
Risk Level: Medium
Tenure: 6 – 18 months
Loans are considered when:- Borrower income is directly dependent on machinery
- Equipment is verifiable and traceable
Asset Finance
Purpose: Loan backed by borrower-owned asset or collateral
Customer Type: Borrowers providing security
Risk Level: Low
Tenure: 3 – 18 months
Loans are considered when:- Strong and reliable collateral is provided
- Proper valuation and documentation are completed
Short-Term Working Capital
Purpose: Temporary business cash flow requirements
Customer Type: Shops, traders, small businesses
Risk Level: Medium
Tenure: 1 – 3 months
Loans are considered when:- Business income is predictable
- Requirement is strictly short-term
Secured Loan
Purpose: Loan against security or guarantee
Customer Type: Borrowers providing collateral
Risk Level: Low
Tenure: 3 – 12 months
Loans are considered when:- Solid security is available
- Repayment capacity is verified
Unsecured Loan
Purpose: Loan without collateral
Customer Type: Salaried or self-employed individuals
Risk Level: Medium–High
Tenure: 3 – 12 months
Loans are considered when:- Stable income is verified
- Bank statement and repayment behaviour are satisfactory
Invoice / Bill Discounting (Limited)
Purpose: Advance against genuine business invoices
Customer Type: Traders, wholesalers, suppliers
Risk Level: Medium
Tenure: 15 – 45 days
Loans are considered when:- Invoice is genuine and verifiable
- Buyer payment cycle is reliable
- Exposure is limited and within non-NBFC boundaries
