28 loan products,
matched to your needs.

A home loan helps you buy a ready flat, a flat in an under-construction project, or a plot, or build your own house. We look at your income and documents, then compare options from different Banks and NBFCs that may suit your profile. If one lender delays or does not approve your file, we can explore other lenders that may be a better fit.

• Choice of floating or fixed-rate options
• Pre-approved offers checked where your bank runs such a programme
• Balance transfer with top-up if a better rate appears later
• Home-loan-linked overdraft (offset account) to trim interest

A balance transfer means moving your current loan to another lender that may offer better terms. We put your existing loan next to offers from other lenders, in writing, so you can compare before you decide. If you choose to switch, we guide you through the whole process. A top-up may also be possible if your profile qualifies.

• Better pricing available on home, LAP and business loans
• Top-up sanctioned at mortgage-linked pricing, not personal-loan pricing
• Trim the EMI or shorten the tenure — you choose which
• We liaise with your existing lender on foreclosure and transfer

A loan against property lets you borrow money using a residential, commercial or industrial property that you already own. You can use it to grow your business, combine other loans, pay a medical bill or meet other needs. Lenders may have rules on how the money can be used. You keep ownership of the property and can continue to use it while you repay.

• Residential, commercial and industrial property accepted as security
• Income-based, banking-based and GST-based assessment tracks
• Top-up available on a mortgage you already hold
• Term loan or a reducing overdraft, your call

Get funds against your eligible property for business or personal financial needs, while continuing to own and use your property. Micro Loan Against Property (Micro LAP) is designed for eligible salaried and self-employed customers looking for relatively smaller property-backed funding with simple assessment and documentation. Explore property-backed funding options generally ranging from ₹3 Lakh to ₹20 Lakh*. The applicable loan amount depends on the selected program, property value, income / repayment capacity, credit profile and lender policy.

• Longer repayment tenure available under eligible programs
• Different assessment options depending on the property and customer profile
• Higher LTV may be available depending on the applicable scheme and property
• ITR and GST may not be required under certain eligible programs

Lease rental discounting gives you a lump sum today against the rent you will receive from a registered lease on commercial or retail space. The tenant's rent is used to pay the EMI, so your own cash flow is not needed for it.

• For registered commercial and retail leases
• Pricing may be better when the tenant is a well-known company
• Rent routed through an escrow arrangement
• Refinance of an LRD loan you already have

This is a limit against your property that reduces step by step over the loan period. You pay interest only on the amount you actually use. It can suit you if your need for cash goes up and down during the year.

• Secured against a residential or commercial property
• The sanctioned limit reduces on a monthly or quarterly schedule
• Typically no prepayment penalty on the reducing portion
• Suited to seasonal or uneven cash requirements

Funding for construction and development projects. The amount depends on your approvals, project cost and expected sales. The money is released in stages as the work moves ahead, not all at once.

• Residential, commercial and industrial developments
• Combined land-and-construction funding where needed
• Repayment structured through escrow and sales receivables
• Legal, technical and valuation checks coordinated on your behalf

These are loans covered by the CGTMSE guarantee scheme. The scheme helps young MSMEs borrow without giving property as security or arranging a guarantor. The amount you can borrow depends on the lender and the scheme rules.

• Structured as a term loan, a working capital limit, or a blend of both
• No collateral and no third-party guarantor required
• Guarantee fee (typically under 1.5% p.a. of the sanctioned amount) explained upfront
• Open to manufacturing, trading and service enterprises

A machine loan helps you buy new machinery or equipment, or raise money against machinery you already own. Medical equipment, gensets and equipment leasing are covered too. It can help a business set up, expand or upgrade its production. We compare options from Banks and NBFCs that may suit your business and guide you through the paperwork.

• Machinery loan of up to ₹10 Crore, with up to 100% funding on loans below ₹25 Lakh (including GST) and up to 85% above that, repayable over up to 72 months
• Medical equipment loan of up to ₹10 Crore, with up to 100% funding on loans below ₹50 Lakh (including GST) and up to 90% above that, repayable over up to 84 months
• Genset loan of up to ₹5 Crore, with funding of up to 85% (including GST), repayable over up to 48 months
• Equipment leasing from ₹20 Lakh to ₹7.5 Crore for 1 to 3 years, for businesses with a turnover of ₹1 Crore or more

A working capital term loan gives your business a term loan with a fixed repayment plan and a fixed EMI. It can turn an overdrawn or irregular working-capital account into a loan your cash flow can handle, or fund your day-to-day needs. It can be offered without collateral to businesses with clean, audited financials. The lender decides the amount based on your bank turnover and filings, not only a quick GST check.

• Fixed EMI on a defined repayment schedule
• Regularises stretched cash-credit or overdraft accounts
• Consolidates several short-term dues into one facility
• Can be offered without collateral to businesses with clean financials

A limit that you can use again and again, backed by your stock and the payments due from your customers. Draw money when you need it, repay it as sales come in, and draw again as your business cycle repeats.

• Drawing power reassessed monthly against stock statements
• Interest charged only on the utilised portion
• Renewed annually, with headroom to scale as turnover grows
• Works alongside term loans and other trade facilities

An overdraft is a ready limit on your current account. It helps cover the short gap between paying your suppliers and receiving payment from your customers.

• Available secured (property, FDs, securities) or unsecured
• No EMI — just interest on the running balance each month
• Live and usable as soon as it's sanctioned
• Reviewed and renewed on an annual cycle

A bank guarantee is a written promise from the bank to the other party that you will pay or complete the work as agreed. It helps you bid for and sign contracts with more confidence.

• Bid bonds, EMDs, security deposits and advance-payment BGs
• Commission and margin requirement negotiated on your behalf
• Fast issuance and amendments when terms change

A letter of credit is a payment promise given by the bank to your supplier. It may help you get better credit terms without using your own working capital.

• Sight or usance structures
• Buyer's credit tie-ups arranged where available
• Support with documentation and resolving discrepancies

Bill discounting helps a business get money against its unpaid invoices, instead of waiting for the customer to pay. The lender gives you a part of the invoice value now, and you repay when your customer pays. It can help you keep cash flowing between selling and getting paid. Lenders set their own limits and charges.

• Funds against genuine invoices raised on your customers
• Helps cover the gap between selling and getting paid
• Can work alongside a cash credit or overdraft limit, as per lender policy
• Limits and charges depend on the lender and on your customers