Credit Products
Loan Offerings & Products
Tailored, RBI-compliant financial solutions for individuals, traders, and small business owners across Maharashtra.
1. Loan Against Property (LAP)
Unlock the equity in your residential, commercial, or industrial property to fund business expansion, education, or debt consolidation — without selling your asset.
- Eligible Properties: Residential, commercial, and industrial property
- Applicants: Salaried, self-employed professionals, traders
- Benefits: Flexible tenure, no prepayment penalty on floating rate loans
2. Personal Loan
Unsecured funding for medical emergencies, weddings, travel, or short-term personal needs without pledging collateral.
- Tenure: 12 to 60 months
- Collateral: None required
- Eligibility: Salaried & self-employed with stable income proof
3. Business Loan
Working capital and expansion credit for small & medium business owners to manage inventory and bridge cash flows.
- Interest Rate: Starting from 13.5% p.a.
- Collateral-Free Options: Available for eligible business applicants
- Eligibility: Sole proprietorships, partnerships, Pvt Ltd firms
4. Gold Loan
Instant funding against gold jewelry with high-value appraisal and same-day disbursal under insured custody.
- LTV Cap: Up to 75% of gold value per RBI guidelines
- Documentation: Minimal (KYC only)
Mandatory Disclosure: Gold pledged is appraised by a certified in-house valuer. Defaulted gold is subject to public auction per RBI rules after due notice.