Compare rates, eligibility, and documentation checklists for institutional lending programs supported by 35+ scheduled commercial banks and government refinancing agencies.
Quick liquidity for medical emergencies, wedding expenses, higher education, or debt consolidation. Zero collateral required with flexible tenure options from 12 to 72 months.
Designed for traders, manufacturers, service enterprises, and proprietors. Includes Cash Credit (CC), Overdraft (OD) facility, and machinery purchase term loans.
Finance purchase of ready apartments, plot purchase + construction, home extension, or balance transfer of existing home loans at subsidized interest rates.
Collateral-free credit for non-corporate micro enterprises across 3 categories: Shishu (up to ₹50k), Kishore (₹50k to ₹5 Lakhs), and Tarun (₹5 Lakhs to ₹10 Lakhs).
Comprehensive study funding covering university tuition fees, hostel, travel airfare, exam fees, and laptop purchase. Moratorium period covers course duration + 1 year.
Unlock instant funds against gold jewelry and hallmarked ornaments stored in high-security bank lockers. Low interest, flexible bullet repayment, and no income proof required.
Attractive financing for two-wheelers, four-wheelers, commercial trucks, passenger autos, and agricultural tractors with on-road funding and fast dealer payout.
Leverage residential, commercial, or industrial property equity to raise substantial funds for business expansion, child's overseas education, or high capital expenditure.
Indicative interest rate ranges and terms across major partner banks and financing institutions.
| Scheme / Product | Interest Rate Range (p.a.) | Max Loan Quantum | Tenure | Processing Charges |
|---|---|---|---|---|
| Personal Loans | 10.49% - 15.50% | Up to ₹25 Lakhs | 1 to 6 Years | 1.0% - 2.5% |
| Home Loans | 8.35% - 9.75% | Up to ₹10 Crores | Up to 30 Years | Nil to 0.50% |
| PM MUDRA Yojana | 8.50% - 11.25% | Up to ₹10 Lakhs | Up to 5 Years | Zero for Shishu / Nil |
| MSME Business Loan | 9.25% - 14.00% | Up to ₹5 Crores | Up to 10 Years | 1.0% - 2.0% |
| Gold Loan | 8.85% - 12.50% | Up to ₹1 Crore | 3 M to 36 M | 0.25% - 0.50% |
| Education Loan | 8.95% - 11.50% | Up to ₹1.5 Crores | Up to 15 Years | Nil for India / Min for Abroad |