A gold loan is a secured loan where you pledge gold ornaments or bank-minted coins as collateral to secure immediate funds. We offer competitive interest rates and let you borrow highest amount of your gold's appraised value. The loan ranges from minimum ₹10,000 to ₹2 Lakhs in instant scheme and Rs 3lacs (or more) , depending on your pledged gold's weight and purity.
Education loans cover tuition, hostel fees, books, and travel. Our loans cover Loan limits for studies in India and Abroad. Interest rates range from 10.5% to 18.% annually depending upon the pledge and guarantees against the loan .
This is a unique loan designed for the parents to cover the school fees annually. With reducing rate of interest and monthly payments , the parents feel burden free from the constant obligations to pay the schools .
A mortgage loan is a secured loan where a borrower pledges real estate (like a house, commercial building ) as collateral to us.
We provide funds—either to purchase the property or for personal/business use—while holding a lien on the asset until the debt is fully repaid.
Types of Mortgages that we offer :
Home Loan (Purchase Mortgage)
Loan Against Property / LAP (General Mortgage)
A vehicle purchase loan (or auto loan) is a secured credit facility used to finance the purchase of a new or pre-owned car or two-wheeler. The vehicle serves as collateral. We finance 50% to 70% of the vehicle’s value, with repayment tenures generally ranging from 1 to 5 years.
A home loan is a credit facility provided to help individuals buy, build, or renovate a residential property. We offer flexible repayment options with maximum loan amounts disbursed.
An advance salary loan is a short-term, credit facility that allows salaried individuals to borrow against their upcoming paycheck. Designed for urgent expenses, these loans offer quick disbursal, minimal documentation, and usually range from ₹10,000 to ₹50,000. Eligible for Salary accounts transferred to our Patsantha for a minimum of regular 12 months .
A loan against a Fixed Deposit (FD) is a credit facility where you pledge your existing FD as collateral to borrow funds. Instead of breaking your deposit prematurely and losing interest, you can access up to 70%–85% of its value while your investment continues to earn interest.
A business loan provides capital to expand operations, purchase inventory, or manage cash flow. With sufficient mortgage and minimum 6 months current account , we offer attractive interest rate and maximum loan disbursements with the transactions and cash flows frequency deposited on regular basis in the account.
Loan on Pigmy or Daily collection account is offered with attractive payment options. Eligible for minimum 6 months daily regular amount deposits.
