From application to disbursal — we've made the process as simple and stress-free as possible.
Five straightforward steps to get your loan approved and funds in your account.
Start by reviewing the eligibility criteria for your desired loan product. You can visit our Services page for detailed requirements, or call our helpline and our team will guide you within minutes.
Fill out our simple application form — available at any of our branch locations or via the Contact Us page. Provide your basic details: name, loan amount required, purpose, and contact information.
Submit the required documents at your nearest branch. Our loan officer will verify the documents and conduct a brief personal or telephonic discussion to understand your needs better. This usually takes 1–2 business days.
Once verification is complete, our credit team reviews and approves the loan. You will receive an official sanction letter stating the approved amount, interest rate, tenure, and repayment schedule. Approval typically happens within 24–48 hours.
After signing the loan agreement, funds are directly credited to your registered bank account. For vehicle loans, funds may be transferred directly to the dealer. Most disbursals happen on the same day as agreement signing.
Having these documents ready will speed up your application significantly. Additional documents may be required based on loan type.
The minimum loan amount is ₹10,000 for Personal Loans, ₹25,000 for Business Loans, and ₹50,000 for Vehicle Loans. Contact our team to discuss your specific requirements.
Loan approval typically takes 24–48 hours after complete document submission. Disbursal happens on the same day or the next business day after the loan agreement is signed.
Interest rates start from 16% per annum for Vehicle Loans, 18% for Business Loans, and 20% for Personal Loans. The exact rate depends on your credit profile, loan amount, and tenure. All rates are communicated clearly before signing.
Yes, prepayment is allowed. A nominal prepayment charge of 2–3% on the outstanding principal may apply. Our loan officer will clarify the exact terms at the time of loan agreement.
We understand that life can be unpredictable. If you anticipate difficulty with a repayment, please contact us immediately. A penal charge may apply on late payments. We will work with you to find a solution and restructure if genuinely needed.
Personal loans are unsecured (no collateral required). Business loans may require collateral for amounts above ₹5 lakhs. Vehicle loans use the vehicle itself as collateral. Our team will provide exact requirements based on your application.