DEPOSITS
Whenever you have excess funds, the first thing you should think of is a Fixed Deposit. This deposit doesn’t just give you stable returns, financial safety and liquidity, but also the choice of when you want the interest on your principal – monthly, quarterly, half yearly or yearly, depending upon your needs. You can choose from a wide range of deposit products with maturities ranging from 12 to 84 months at competitive rates of interest and with different features to suit the investment needs of individuals through our serives. Senior citizens who are 60 years of age or older are offered additional on all deposit products.
HOME LOANS
Take a step closer to your dream home with home loans. We try to offer among the most feature-packed home loans. We also provide guidance on buying a property when you apply for home loans. With quick processing and attractive interest rate, home loans are hassle-free and customer-friendly. In addition, women who apply for home loans are eligible for lower interest rates.
LOAN AGAINST PROPERTY
Pledge your property to meet your personal or business goals with loans against property. Apply for loan against property by pledging your commercial or residential property as collateral. Get 60% to 80% of your property’s value with loan against property. Enjoy competitive interest rates and customised options with the processing on loans against property.
BUSINESS LOANS
Business Loans is unsecured finance to “self-employed” customers who wants to avail collateral free funding for their Business requirement.Unsecured Business Loans are collateral free credit facilities granted to Self-employed professionals, Proprietors, Partnerships, Pvt Ltd Firms etc. These customer can be Non-Professional (Trader, Manufacturer, Services) or Professionals (Doctor, CA, CS and Architects).Unsecured Business Loan is without any collateral and can be for working capital, business expansion or purchase of machinery/ office / equipment etc.
CAR LOANS
Whether you prefer to buy a compact hatchback or a luxury sedan, you can get upto 100% finance for a new car and make your dream come true. Offer is valid for easy car loans to both salaried and the self-employed. Get additional benefits on car loans, with quick disbursal of funds, and enjoy special rates on car loans through our services.
LOAN FOR PROFESSIONALS
Grow your business the easy way with loans for professionals through our services.Usage of funds from your professional loan to expand your business, upgrade equipment and other requirements. In addition, you don’t require security when you apply for professional loans. Apply for professional loans to get competitive interest rates. Customised professional loans and fast approvals will be provided through our services. Special benefits will be offered on professional loans for selected professions, such as doctors.
EDUCATIONAL LOANS
Fulfill your child’s academic ambitions education loans for Indian and foreign education. Apply for our education loans for your child’s education and get loans at ease. Our education loans for education offer competitive pricing. Enjoy doorstep service and quick disbursal of funds when you apply for education loans. Get customised solutions and flexible repayment terms with our education loans. Receive up to 100% finance when you apply for our education loans for foreign education. The funds from the education loans for foreign education can be used for over 950 courses across 36 countries.
UNSECURED LOANS
As personal loans are unsecured loans, there is no requirement for any form of collateral to secure the loan amount. The tenure for a unsecured loan is ranges from 1 year to 5 years. You can pre-close your loan before the end of its tenure, apply for a top-up, or alter your loan tenure depending on your convenience. There will be complete transparency in dealing as you will be made aware of all loan terms and charges before you decide to go ahead with your loan.
LETTER OF CREDIT DISCOUNTING
While discounting a bill, the bill has been bought (I.E. Bill of Exchange or Promissory Note) before it is due and credits the value of the bill after a discount charge. The transaction is practically an advance against the security of the bill and the discount represents the interest on the advance from the date of purchase of the bill until it is due for payment through our services.
LEASE RENT DISCOUNTING
A method to obtain finance from bank or other financial institute or lending institutes. Lease Rent Discount (LRD) consideration is between the borrower who owns the premises, the tenant who has rented the said premises or taken on lease and the bank or financial institute or Corporate through our services. The rent is considered as fixed income over a stipulated time i.e. Lease or rent period or tenure. The agreement is between the borrower and lender and the major term of repayment is the rent which is directly deposited with the lender and not with the borrower.
WORKING CAPITAL LOAN
Working capital loans are said to be the life blood of every company. While term loans can help you get started on any business, at times of crucial growth, working capital loans help a lot. Be it for buying new stock or increasing inventory, paying for employee salary or getting huge discounts from suppliers, a working capital term loan works in your benefit. Being of a short-term nature, these loans do not burden the accounts of any business for long. Working capital loan rates tend to be decided upon the performance of the business and your financial portfolio.