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💼 Our Loan Services

Financial Solutions for
Every Goal

From buying your dream home to scaling your business — we offer expert consulting across 8 loan categories with access to 20+ leading banks and NBFCs in India.

Home › Loan Services
🏠 Home Loan 💼 Business Loan 👤 Personal Loan 🚗 Car Loan 🎓 Education Loan 🏗️ Loan Vs Property 🪙 Gold Loan 📦 Working Capital
🏠
Residential

Home Loan

A home loan helps you purchase, construct or renovate your residential property. With long repayment tenures up to 30 years and attractive interest rates, we help you find the most cost-effective mortgage suited to your income profile.

8.40%
Rate From
90%
Max Funding
30 Yrs
Max Tenure

Eligibility Criteria

Age: 21 – 65 years at loan maturity
Salaried: Minimum ₹20,000/month net income
Self-employed: ITR of ₹2.5 Lakh+ per year
Minimum 2 years of stable employment / business
CIBIL score of 700 and above preferred
Apply for Home Loan → Calculate EMI
📋

Documents Required

Standard checklist — additional docs may vary by bank

Identity & Address Proof
✓
PAN Card (mandatory)
✓
Aadhaar Card / Passport / Voter ID
✓
2 Passport Size Photographs
Income Documents
✓
Salary Slips – Last 3 months (salaried)
✓
Bank Statements – Last 6 months
✓
Form 16 / ITR – Last 2 years
✓
Appointment / Offer Letter
Property Documents
✓
Sale Agreement / Allotment Letter
✓
Approved Building Plan
✓
Property Tax Receipts
✓
NOC from Builder / Society
✓
Encumbrance Certificate
💡 Pro Tip: We assist with document verification and preparation at no extra cost. Just call us — we'll guide you through every step.
💼
Commercial

Business Loan

Whether you're launching a startup, expanding operations, purchasing equipment, or managing working capital — our business loan solutions are tailored to the unique needs of Hubballi's businesses. We also specialise in MSME and government-backed schemes including MUDRA and CGTMSE.

10.50%
Rate From
₹5Cr+
Max Amount
7 Yrs
Max Tenure

Eligibility Criteria

Business age: minimum 2–3 years in operation
Annual turnover of ₹10 Lakh and above (ITR proof)
GST-registered businesses preferred
Proprietorship, Partnership, Pvt Ltd, LLP all eligible
CIBIL score 700+ (personal + business)
Apply for Business Loan → Calculate EMI
📋

Documents Required

For proprietorship, partnership & Pvt Ltd

KYC — Promoter & Business
✓
PAN Card (Individual + Firm / Company)
✓
Aadhaar Card of all promoters
✓
Address proof of business premises
Financial Documents
✓
ITR with CA Certification – Last 2–3 years
✓
Balance Sheet & P&L Statement – Last 2 years
✓
Bank Statements – Last 12 months
✓
GST Returns – Last 6 months
Business Proof
✓
Trade License / Shop & Establishment Act
✓
Certificate of Incorporation (Pvt Ltd)
✓
Partnership Deed (if applicable)
✓
MSME / Udyam Registration Certificate
💡 Note: We help with MUDRA Loans, CGTMSE-backed loans and state government schemes. Ask us about collateral-free options.
👤
Unsecured

Personal Loan

A personal loan is the fastest way to access funds for any personal need — medical emergencies, wedding expenses, travel, home renovation or debt consolidation. No collateral required, minimal documentation, and disbursal often within 48–72 hours.

10.99%
Rate From
₹40L
Max Amount
5 Yrs
Max Tenure

Eligibility Criteria

Age: 21–58 years (salaried), up to 65 (self-employed)
Minimum net monthly salary ₹15,000
Minimum 6 months in current job / 2 years total experience
CIBIL score of 700 and above preferred
No active loan defaults or cheque bounces
Apply for Personal Loan → Calculate EMI
📋

Documents Required

Minimal paperwork — fastest processing

Identity & Address Proof
✓
PAN Card
✓
Aadhaar Card / Passport / Driving License
✓
2 Passport Size Photographs
Income Proof (Salaried)
✓
Salary Slips – Last 3 months
✓
Bank Statements – Last 3 months
✓
Form 16 / ITR – Last 1 year
✓
Employment ID / Offer Letter
Income Proof (Self-Employed)
✓
ITR – Last 2 years
✓
Bank Statements – Last 6 months
✓
Business continuity proof
💡 Fast Track: Personal loan approvals can be done within 24–48 hours for pre-approved customers. Ask us if you qualify.
🚗
Vehicle Finance

Car Loan

Drive home your dream car — new or used — with our car loan solutions. We compare rates across banks to get you the best deal. New car loans can go up to 100% on-road price. Used car loans available up to 85% of the vehicle valuation.

8.75%
Rate From
100%
On-Road Funding
7 Yrs
Max Tenure

Eligibility Criteria

Age: 21–65 years
Minimum net income ₹15,000/month (salaried)
Self-employed with ITR of ₹2 Lakh and above
Valid driving license preferred
CIBIL score of 700+ for best rates
Apply for Car Loan → Calculate EMI
📋

Documents Required

For new & used car loans

Identity & Address Proof
✓
PAN Card
✓
Aadhaar / Voter ID / Passport / DL
Income Documents
✓
Salary Slips – Last 2 months
✓
Bank Statements – Last 3 months
✓
ITR / Form 16 – Last 1 year
Vehicle Documents
✓
Proforma Invoice / Quotation from Dealer
✓
RC Book (for used car loans)
✓
Insurance copy (used vehicles)
💡 Used Car Note: We arrange loans for vehicles up to 10 years old through select NBFCs. Interest rates differ; ask for a personalised quote.
🎓
Academic Finance

Education Loan

Fund your higher education in India or abroad without financial stress. Education loans cover tuition fees, living expenses, travel, laptops and other academic costs. Government schemes like Vidyalakshmi offer additional benefits to eligible students.

9.00%
Rate From
₹1.5Cr
Abroad Limit
15 Yrs
Repayment

Eligibility Criteria

Indian national with confirmed admission letter
Recognised college / university in India or abroad
Co-applicant (parent/guardian) with income proof required
Moratorium period: course duration + 6–12 months
Collateral required for loans above ₹7.5 Lakhs (varies by bank)
Apply for Education Loan → Calculate EMI
📋

Documents Required

Student + co-applicant documents

Student Documents
✓
Admission Offer Letter from Institution
✓
10th, 12th and Graduation marksheets
✓
PAN Card + Aadhaar of student
✓
Fee structure / Cost estimate from college
✓
Scholarship / Entrance rank card (if any)
Co-Applicant (Parent / Guardian)
✓
PAN Card + Aadhaar
✓
Salary Slips / ITR – Last 2 years
✓
Bank Statements – Last 6 months
For Abroad Studies
✓
Valid Passport + Visa (if available)
✓
GRE / IELTS / TOEFL score cards
💡 Vidyalakshmi Portal: We help apply through the government's Vidyalakshmi portal for subsidised interest rates. Ask us about eligibility.
🏗️
Secured Loan

Loan Against Property

Unlock the value of your existing property — residential, commercial or industrial — to access high-value funds at lower interest rates. LAP is ideal for business expansion, higher education funding, medical emergencies or debt consolidation when you need substantial capital.

9.25%
Rate From
70%
LTV Ratio
15 Yrs
Max Tenure

Eligibility Criteria

Clear title of property in applicant's name
Property should be free of encumbrances
Salaried: Net income ₹25,000+/month
Self-employed: ITR of ₹3 Lakh per year minimum
CIBIL score 700+ strongly recommended
Apply for LAP → Calculate EMI
📋

Documents Required

Property + financial documents required

Personal & Income Proof
✓
PAN Card + Aadhaar Card
✓
ITR with CA Certification – Last 3 years
✓
Bank Statements – Last 12 months
✓
Salary Slips (if salaried)
Property Documents
✓
Original Title Deed / 7/12 Extract
✓
Previous Chain of Agreements
✓
Property Tax Receipts – Last 3 years
✓
Encumbrance Certificate (EC)
✓
Approved Building Plan / Layout
✓
Occupancy Certificate (OC) if available
💡 Balance Transfer: Already have a LAP at a higher rate? We can help you transfer to a bank with better rates and possibly get a top-up amount too.
🪙
Secured – Instant

Gold Loan

Get instant liquidity by pledging your gold jewellery or coins. Gold loans are one of the fastest loan products — with minimal documentation and disbursal within hours. Ideal for short-term urgent requirements like medical emergencies or business cash flow needs.

7.50%
Rate From
75%
LTV of Gold
3 Yrs
Max Tenure

Eligibility Criteria

Age: 18 years and above
Gold jewellery of 18–24 karat purity
Gold coins (up to 50g per customer, bank policy varies)
Original ownership proof preferred
No minimum income requirement — gold is the collateral
Apply for Gold Loan → Visit Our Office
📋

Documents Required

Minimal docs — fastest processing

Basic KYC (All that's needed)
✓
PAN Card (mandatory)
✓
Aadhaar Card / Voter ID / Passport
✓
2 Passport Size Photographs
✓
Physical gold jewellery for valuation
Optional but Helpful
✓
Original purchase receipt of gold
✓
Bank account details for disbursal
💡 Same-Day Disbursal: In most cases, gold loan funds are disbursed the same day after valuation. The gold is stored securely in the bank vault until repayment.
📦
Business Finance

Working Capital Loan

Manage day-to-day business operations, bridge cash flow gaps, fund inventory, pay suppliers or meet short-term obligations with working capital loans. Available as overdraft facilities, cash credit limits, or short-term term loans with flexible repayment structures suited to your business cycles.

11.00%
Rate From
₹2 Cr
Typical Limit
1 Yr
Renewal Basis

Eligibility Criteria

Minimum 2 years of business operations
Annual turnover of ₹20 Lakh+ (bank statements)
GST registration mandatory for most banks
Good repayment track record (no defaults)
Collateral may be required above ₹25 Lakh
Apply for Working Capital → Calculate EMI
📋

Documents Required

CC limit / OD / Short-term loan

KYC Documents
✓
PAN Card (Individual + Business)
✓
Aadhaar of all promoters / directors
✓
Business address proof
Financial Documents
✓
Bank Statements – Last 12 months
✓
ITR + Audited Financials – Last 2 years
✓
GST Returns – Last 12 months
✓
Stock Statement / Debtors list (for CC)
Business Documents
✓
Trade License / Shop Act Registration
✓
MSME / GST Certificate
✓
Purchase orders / Buyer contracts (if any)
💡 CC vs OD: We help choose between Cash Credit and Overdraft based on your business model — CC suits trading businesses, OD suits service firms with property.
Quick Comparison

All Loans at a Glance

Compare key parameters across all loan products to make an informed decision.

Loan Type Interest Rate Max Amount Tenure Processing Time Collateral
🏠 Home Loan 8.40% p.a. ₹5 Cr+ Up to 30 Years 7–15 Days Property
💼 Business Loan 10.50% p.a. ₹5 Cr+ Up to 7 Years 7–21 Days Optional
👤 Personal Loan 10.99% p.a. ₹40 Lakhs Up to 5 Years 24–72 Hrs None
🚗 Car Loan 8.75% p.a. 100% On-Road Up to 7 Years 2–5 Days Vehicle
🎓 Education Loan 9.00% p.a. ₹1.5 Cr (Abroad) Up to 15 Years 7–14 Days Above ₹7.5L
🏗️ Loan Against Property 9.25% p.a. ₹10 Cr+ Up to 15 Years 10–21 Days Property
🪙 Gold Loan 7.50% p.a. 75% of Gold Value Up to 3 Years Same Day Gold
📦 Working Capital 11.00% p.a. ₹2 Cr (typical) Annual Renewal 10–21 Days Optional

* Rates are indicative and vary by bank, borrower profile and market conditions. Contact us for a personalised quote.

How We Work

From Enquiry to Disbursal

A transparent, hassle-free process designed to get your loan approved fast.

1

Enquiry & Assessment

Share your requirement. We assess eligibility and suggest best loan options.

2

Document Collection

We visit you for document collection or guide you through online submission.

3

Bank Application

We submit your file to the most suitable bank and follow up proactively.

4

Sanction Letter

Upon approval, we review the sanction terms and explain every clause clearly.

5

Disbursal 🎉

Loan amount is credited to your account. We remain available for all queries post-disbursal.

Not Sure Which Loan is Right for You?

Talk to our experts for free — we'll match you with the best product for your profile.

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