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Our loan solutions are designed to meet diverse financial needs with flexible and borrower-friendly features. Whether you are applying for a home loan, personal loan, business loan, or vehicle loan, you can enjoy the following benefits:
Fast Approval & Disbursal : Get quick loan approval with funds disbursed within a few working days, depending on eligibility and verification.
Minimum Documentation: Simple and hassle-free documentation process with online submission of required documents.
Competitive Interest Rates: Attractive interest rates offered based on loan type, income profile, and credit score.
Flexible Repayment Tenure: Choose a repayment tenure that suits your financial comfort, with options for short-term and long-term loans.
Multiple Loan Options: Access a wide range of loan products including home loan, personal loan, business loan, loan against property, vehicle loan, working capital, and more.
Collateral-Free Options Available: Select loan types are available without any collateral or security.
Prepayment & Foreclosure Flexibility: Enjoy the option to prepay or close your loan early, subject to lender terms.
Transparent Process: No hidden charges with clear communication throughout the loan journey.
Digital & Paperless Process: End-to-end online application with minimal physical paperwork.
• The applicant must be an Indian resident aged between 21 and 65 years at the time of loan maturity.
• The loan purpose must be clearly defined, such as personal needs, business expansion, working capital, property purchase, or vehicle financing.
• Applicants may be salaried individuals, self-employed professionals, or business owners with a stable and regular source of income.
• A minimum income or turnover requirement must be met as per lender guidelines.
• The applicant should have a good credit history and repayment track record.
• Existing loans and EMI obligations will be considered while evaluating repayment capacity.
• For secured loans, the property, vehicle, or asset offered as collateral must be legally clear and acceptable to the lender.
• A personal or business guarantee may be required depending on the loan type and amount.
• The applicant must have minimum work or business experience, generally ranging from 1 to 3 years, as applicable.
• Submission of valid KYC documents (PAN, Aadhaar) and financial documents such as income proof, bank statements, and tax returns is mandatory.
Certain factors play a crucial role in determining the interest rate offered on a loan. Lenders evaluate the following parameters before finalizing the applicable interest rate:
One of the most important factors influencing loan interest rates is the applicant’s credit score. A higher credit score reflects strong repayment discipline and reduces lender risk, resulting in lower interest rates. On the other hand, a low credit score may attract higher interest rates or even loan rejection.
Stable income or consistent business turnover assures lenders of repayment capacity. Salaried individuals with steady employment and businesses with regular cash flow generally qualify for loans at more competitive interest rates.
The type of employment or business activity also impacts interest rates. Applicants working in reputed organizations or operating in stable, low-risk industries are often offered lower interest rates compared to those in high-risk sectors.
The loan amount and selected repayment tenure influence the interest rate. Higher loan amounts or longer tenures may carry slightly higher interest rates due to increased credit risk.
A strong repayment track record with timely EMI payments enhances borrower credibility. Applicants with a clean repayment history are more likely to receive loans at reduced interest rates.
Outstanding loans and current EMI commitments affect eligibility and interest rates. Lower debt-to-income ratio increases the chances of securing a loan at a favorable rate.
For secured loans such as home loans, loan against property, or vehicle loans, the value and quality of the collateral significantly influence the interest rate. Higher-value and legally clear assets may attract lower interest rates.
Applicants with an existing banking relationship, such as a salary account or long-term business association, may benefit from preferential interest rates.
The loan interest rate is determined by several factors, including the applicant’s financial profile, creditworthiness, loan purpose, collateral (if applicable), and overall repayment capacity. Financial institutions evaluate both personal and business stability before finalizing the interest rate.
The following factors play a key role in the loan evaluation process:
• The applicant’s income stability or business financial feasibility.
• Credit score and past repayment behaviour.
• Nature of employment or type of business and industry risk.
• Loan amount, tenure, and purpose of borrowing.
• Existing financial obligations and debt-to-income ratio.
• Value and quality of collateral for secured loans.
• Overall financial growth, turnover, or professional stability of the applicant.
Banks and financial institutions determine the applicable interest rate after assessing these indicators. In addition to the borrower’s personal creditworthiness, the stability of the income source or business operations is also considered.
Interest rates generally range from approximately 7% to 24%, depending on the loan type, applicant profile, market conditions, and lender policies.
To avail a loan smoothly, applicants are required to submit the following mandatory documents. Additional documents may be requested based on the loan type and lender policies.
• Duly filled loan application form
• Recent passport-size photographs
• PAN Card
• Aadhaar Card
• Passport
• Voter ID Card
• Driving Licence
• Aadhaar Card
• Voter ID Card
• Passport
• Utility bills (electricity, telephone, water bill)
• Registered rental or lease agreement
• PAN Card
• Aadhaar Card
• Passport
• Voter ID Card
• Salaried Applicants:
• Latest salary slips (last 3–6 months)
• Bank statements (last 6 months)
• Form 16 or Income Tax Returns (if applicable)
• Self-Employed / Business Applicants:
• Income Tax Returns (last 2 years)
• Audited balance sheet and profit & loss statement (last 2 years)
• Bank statements of business and personal accounts
• Employment ID / appointment letter (for salaried individuals)
• Business registration documents (GST, Trade Licence, Partnership Deed, MOA & AOA, or Proprietorship declaration)
• Property documents (Home Loan / Loan Against Property)
• Vehicle quotation or RC copy (Car / Commercial Vehicle Loan)
• Existing loan statements (Balance Transfer cases)
You can get a loan by submitting an online application with basic personal, income, and loan details. Once your eligibility is checked, the lender will verify documents and process the loan accordingly.
The best loan depends on your financial requirement, income profile, repayment capacity, and purpose of borrowing. After evaluating your needs, lenders may suggest suitable loan options.
The loan amount depends on factors such as income, credit score, existing financial obligations, collateral (if applicable), and lender policies.
Yes, certain loans are available without collateral, depending on eligibility, income profile, and credit score. Secured loans may offer higher amounts at lower interest rates.
You can check your eligibility by filling out the loan eligibility form with basic details. The eligible amount is calculated based on income, credit history, and repayment capacity.
You can apply online by selecting the loan type, entering your details, uploading documents, and submitting the application. The lender will contact you for further verification.
Tax benefits may be available on certain loan types, subject to applicable income tax laws. It is advisable to consult a tax advisor for accurate information.
Common documents include identity proof, address proof, income proof, bank statements, and loan-specific documents, depending on the loan type.
Yes, document requirements and eligibility criteria may vary for salaried and self-employed applicants based on income structure and business stability.
Minimum income or turnover requirements vary depending on the loan type, amount, and lender policies. Meeting the minimum criteria improves approval chances.
Features & Benefits
Eligibility Criteria
Factors Affecting
Interest Rates
Documents Required
FAQs
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Our loan solutions are designed to meet diverse financial needs with flexible and borrower-friendly features. Whether you are applying for a home loan, personal loan, business loan, or vehicle loan, you can enjoy the following benefits:
Fast Approval & Disbursal : Get quick loan approval with funds disbursed within a few working days, depending on eligibility and verification.
Minimum Documentation: Simple and hassle-free documentation process with online submission of required documents.
Competitive Interest Rates: Attractive interest rates offered based on loan type, income profile, and credit score.
Flexible Repayment Tenure: Choose a repayment tenure that suits your financial comfort, with options for short-term and long-term loans.
Multiple Loan Options: Access a wide range of loan products including home loan, personal loan, business loan, loan against property, vehicle loan, working capital, and more.
Collateral-Free Options Available: Select loan types are available without any collateral or security.
Prepayment & Foreclosure Flexibility: Enjoy the option to prepay or close your loan early, subject to lender terms.
Transparent Process: No hidden charges with clear communication throughout the loan journey.
Digital & Paperless Process: End-to-end online application with minimal physical paperwork.
• The applicant must be an Indian resident aged between 21 and 65 years at the time of loan maturity.
• The loan purpose must be clearly defined, such as personal needs, business expansion, working capital, property purchase, or vehicle financing.
• Applicants may be salaried individuals, self-employed professionals, or business owners with a stable and regular source of income.
• A minimum income or turnover requirement must be met as per lender guidelines.
• The applicant should have a good credit history and repayment track record.
• Existing loans and EMI obligations will be considered while evaluating repayment capacity.
• For secured loans, the property, vehicle, or asset offered as collateral must be legally clear and acceptable to the lender.
• A personal or business guarantee may be required depending on the loan type and amount.
• The applicant must have minimum work or business experience, generally ranging from 1 to 3 years, as applicable.
• Submission of valid KYC documents (PAN, Aadhaar) and financial documents such as income proof, bank statements, and tax returns is mandatory.
Certain factors play a crucial role in determining the interest rate offered on a loan. Lenders evaluate the following parameters before finalizing the applicable interest rate:
One of the most important factors influencing loan interest rates is the applicant’s credit score. A higher credit score reflects strong repayment discipline and reduces lender risk, resulting in lower interest rates. On the other hand, a low credit score may attract higher interest rates or even loan rejection.
Stable income or consistent business turnover assures lenders of repayment capacity. Salaried individuals with steady employment and businesses with regular cash flow generally qualify for loans at more competitive interest rates.
The type of employment or business activity also impacts interest rates. Applicants working in reputed organizations or operating in stable, low-risk industries are often offered lower interest rates compared to those in high-risk sectors.
The loan amount and selected repayment tenure influence the interest rate. Higher loan amounts or longer tenures may carry slightly higher interest rates due to increased credit risk.
A strong repayment track record with timely EMI payments enhances borrower credibility. Applicants with a clean repayment history are more likely to receive loans at reduced interest rates.
Outstanding loans and current EMI commitments affect eligibility and interest rates. Lower debt-to-income ratio increases the chances of securing a loan at a favorable rate.
For secured loans such as home loans, loan against property, or vehicle loans, the value and quality of the collateral significantly influence the interest rate. Higher-value and legally clear assets may attract lower interest rates.
Applicants with an existing banking relationship, such as a salary account or long-term business association, may benefit from preferential interest rates.
The loan interest rate is determined by several factors, including the applicant’s financial profile, creditworthiness, loan purpose, collateral (if applicable), and overall repayment capacity. Financial institutions evaluate both personal and business stability before finalizing the interest rate.
The following factors play a key role in the loan evaluation process:
• The applicant’s income stability or business financial feasibility.
• Credit score and past repayment behaviour.
• Nature of employment or type of business and industry risk.
• Loan amount, tenure, and purpose of borrowing.
• Existing financial obligations and debt-to-income ratio.
• Value and quality of collateral for secured loans.
• Overall financial growth, turnover, or professional stability of the applicant.
Banks and financial institutions determine the applicable interest rate after assessing these indicators. In addition to the borrower’s personal creditworthiness, the stability of the income source or business operations is also considered.
Interest rates generally range from approximately 7% to 24%, depending on the loan type, applicant profile, market conditions, and lender policies.
To avail a loan smoothly, applicants are required to submit the following mandatory documents. Additional documents may be requested based on the loan type and lender policies.
• Duly filled loan application form
• Recent passport-size photographs
• PAN Card
• Aadhaar Card
• Passport
• Voter ID Card
• Driving Licence
• Aadhaar Card
• Voter ID Card
• Passport
• Utility bills (electricity, telephone, water bill)
• Registered rental or lease agreement
• PAN Card
• Aadhaar Card
• Passport
• Voter ID Card
• Salaried Applicants:
• Latest salary slips (last 3–6 months)
• Bank statements (last 6 months)
• Form 16 or Income Tax Returns (if applicable)
• Self-Employed / Business Applicants:
• Income Tax Returns (last 2 years)
• Audited balance sheet and profit & loss statement (last 2 years)
• Bank statements of business and personal accounts
• Employment ID / appointment letter (for salaried individuals)
• Business registration documents (GST, Trade Licence, Partnership Deed, MOA & AOA, or Proprietorship declaration)
• Property documents (Home Loan / Loan Against Property)
• Vehicle quotation or RC copy (Car / Commercial Vehicle Loan)
• Existing loan statements (Balance Transfer cases)
You can get a loan by submitting an online application with basic personal, income, and loan details. Once your eligibility is checked, the lender will verify documents and process the loan accordingly.
The best loan depends on your financial requirement, income profile, repayment capacity, and purpose of borrowing. After evaluating your needs, lenders may suggest suitable loan options.
The loan amount depends on factors such as income, credit score, existing financial obligations, collateral (if applicable), and lender policies.
Yes, certain loans are available without collateral, depending on eligibility, income profile, and credit score. Secured loans may offer higher amounts at lower interest rates.
You can check your eligibility by filling out the loan eligibility form with basic details. The eligible amount is calculated based on income, credit history, and repayment capacity.
You can apply online by selecting the loan type, entering your details, uploading documents, and submitting the application. The lender will contact you for further verification.
Tax benefits may be available on certain loan types, subject to applicable income tax laws. It is advisable to consult a tax advisor for accurate information.
Common documents include identity proof, address proof, income proof, bank statements, and loan-specific documents, depending on the loan type.
Yes, document requirements and eligibility criteria may vary for salaried and self-employed applicants based on income structure and business stability.
Minimum income or turnover requirements vary depending on the loan type, amount, and lender policies. Meeting the minimum criteria improves approval chances.
Our loan solutions are designed to meet diverse financial needs with flexible and borrower-friendly features. Whether you are applying for a home loan, personal loan, business loan, or vehicle loan, you can enjoy the following benefits:
Fast Approval & Disbursal : Get quick loan approval with funds disbursed within a few working days, depending on eligibility and verification.
Minimum Documentation: Simple and hassle-free documentation process with online submission of required documents.
Competitive Interest Rates: Attractive interest rates offered based on loan type, income profile, and credit score.
Flexible Repayment Tenure: Choose a repayment tenure that suits your financial comfort, with options for short-term and long-term loans.
Multiple Loan Options: Access a wide range of loan products including home loan, personal loan, business loan, loan against property, vehicle loan, working capital, and more.
Collateral-Free Options Available: Select loan types are available without any collateral or security.
Prepayment & Foreclosure Flexibility: Enjoy the option to prepay or close your loan early, subject to lender terms.
Transparent Process: No hidden charges with clear communication throughout the loan journey.
Digital & Paperless Process: End-to-end online application with minimal physical paperwork.
• The applicant must be an Indian resident aged between 21 and 65 years at the time of loan maturity.
• The loan purpose must be clearly defined, such as personal needs, business expansion, working capital, property purchase, or vehicle financing.
• Applicants may be salaried individuals, self-employed professionals, or business owners with a stable and regular source of income.
• A minimum income or turnover requirement must be met as per lender guidelines.
• The applicant should have a good credit history and repayment track record.
• Existing loans and EMI obligations will be considered while evaluating repayment capacity.
• For secured loans, the property, vehicle, or asset offered as collateral must be legally clear and acceptable to the lender.
• A personal or business guarantee may be required depending on the loan type and amount.
• The applicant must have minimum work or business experience, generally ranging from 1 to 3 years, as applicable.
• Submission of valid KYC documents (PAN, Aadhaar) and financial documents such as income proof, bank statements, and tax returns is mandatory.
Certain factors play a crucial role in determining the interest rate offered on a loan. Lenders evaluate the following parameters before finalizing the applicable interest rate:
One of the most important factors influencing loan interest rates is the applicant’s credit score. A higher credit score reflects strong repayment discipline and reduces lender risk, resulting in lower interest rates. On the other hand, a low credit score may attract higher interest rates or even loan rejection.
Stable income or consistent business turnover assures lenders of repayment capacity. Salaried individuals with steady employment and businesses with regular cash flow generally qualify for loans at more competitive interest rates.
The type of employment or business activity also impacts interest rates. Applicants working in reputed organizations or operating in stable, low-risk industries are often offered lower interest rates compared to those in high-risk sectors.
The loan amount and selected repayment tenure influence the interest rate. Higher loan amounts or longer tenures may carry slightly higher interest rates due to increased credit risk.
A strong repayment track record with timely EMI payments enhances borrower credibility. Applicants with a clean repayment history are more likely to receive loans at reduced interest rates.
Outstanding loans and current EMI commitments affect eligibility and interest rates. Lower debt-to-income ratio increases the chances of securing a loan at a favorable rate.
For secured loans such as home loans, loan against property, or vehicle loans, the value and quality of the collateral significantly influence the interest rate. Higher-value and legally clear assets may attract lower interest rates.
Applicants with an existing banking relationship, such as a salary account or long-term business association, may benefit from preferential interest rates.
The loan interest rate is determined by several factors, including the applicant’s financial profile, creditworthiness, loan purpose, collateral (if applicable), and overall repayment capacity. Financial institutions evaluate both personal and business stability before finalizing the interest rate.
The following factors play a key role in the loan evaluation process:
• The applicant’s income stability or business financial feasibility.
• Credit score and past repayment behaviour.
• Nature of employment or type of business and industry risk.
• Loan amount, tenure, and purpose of borrowing.
• Existing financial obligations and debt-to-income ratio.
• Value and quality of collateral for secured loans.
• Overall financial growth, turnover, or professional stability of the applicant.
Banks and financial institutions determine the applicable interest rate after assessing these indicators. In addition to the borrower’s personal creditworthiness, the stability of the income source or business operations is also considered.
Interest rates generally range from approximately 7% to 24%, depending on the loan type, applicant profile, market conditions, and lender policies.
To avail a loan smoothly, applicants are required to submit the following mandatory documents. Additional documents may be requested based on the loan type and lender policies.
• Duly filled loan application form
• Recent passport-size photographs
• PAN Card
• Aadhaar Card
• Passport
• Voter ID Card
• Driving Licence
• Aadhaar Card
• Voter ID Card
• Passport
• Utility bills (electricity, telephone, water bill)
• Registered rental or lease agreement
• PAN Card
• Aadhaar Card
• Passport
• Voter ID Card
• Salaried Applicants:
• Latest salary slips (last 3–6 months)
• Bank statements (last 6 months)
• Form 16 or Income Tax Returns (if applicable)
• Self-Employed / Business Applicants:
• Income Tax Returns (last 2 years)
• Audited balance sheet and profit & loss statement (last 2 years)
• Bank statements of business and personal accounts
• Employment ID / appointment letter (for salaried individuals)
• Business registration documents (GST, Trade Licence, Partnership Deed, MOA & AOA, or Proprietorship declaration)
• Property documents (Home Loan / Loan Against Property)
• Vehicle quotation or RC copy (Car / Commercial Vehicle Loan)
• Existing loan statements (Balance Transfer cases)
You can get a loan by submitting an online application with basic personal, income, and loan details. Once your eligibility is checked, the lender will verify documents and process the loan accordingly.
The best loan depends on your financial requirement, income profile, repayment capacity, and purpose of borrowing. After evaluating your needs, lenders may suggest suitable loan options.
The loan amount depends on factors such as income, credit score, existing financial obligations, collateral (if applicable), and lender policies.
Yes, certain loans are available without collateral, depending on eligibility, income profile, and credit score. Secured loans may offer higher amounts at lower interest rates.
You can check your eligibility by filling out the loan eligibility form with basic details. The eligible amount is calculated based on income, credit history, and repayment capacity.
You can apply online by selecting the loan type, entering your details, uploading documents, and submitting the application. The lender will contact you for further verification.
Tax benefits may be available on certain loan types, subject to applicable income tax laws. It is advisable to consult a tax advisor for accurate information.
Common documents include identity proof, address proof, income proof, bank statements, and loan-specific documents, depending on the loan type.
Yes, document requirements and eligibility criteria may vary for salaried and self-employed applicants based on income structure and business stability.
Minimum income or turnover requirements vary depending on the loan type, amount, and lender policies. Meeting the minimum criteria improves approval chances.
Monthly EMI: ₹0
Total Payment: ₹0
Total Interest: ₹0
Total Months: 0
Get an approximate figure for the total monthly instalment payments along with a complete break-up of the home loan.
We were looking for a home of happiness and peace. Thanks to the Grihashakti team, who helped us to realise this dream of ours. Our home has been very lucky for us – as we shifted to our new home, prosperity followed!
We were looking for a home of happiness and peace. Thanks to the Grihashakti team, who helped us to realise this dream of ours. Our home has been very lucky for us – as we shifted to our new home, prosperity followed!
We were looking for a home of happiness and peace. Thanks to the Grihashakti team, who helped us to realise this dream of ours. Our home has been very lucky for us – as we shifted to our new home, prosperity followed!
We were looking for a home of happiness and peace. Thanks to the Grihashakti team, who helped us to realise this dream of ours. Our home has been very lucky for us – as we shifted to our new home, prosperity followed!
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