Loan Products

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Personal Loan

A personal loan is an unsecured loan offered to individuals based on their creditworthiness and income levels. It allows for flexible usage and can be used for various purposes such as debt consolidation, home renovations, education, medical emergencies, or personal expenses.

Key Features:

Loan Amount: Typically ranges from ₹50,000 to ₹50 lakhs (varies by lender)
Repayment Tenure: 1 to 5 years (depends on loan amount and lender)
Interest Rate: Typically 10% - 24% per annum (variable by credit score and lender)
Collateral: None required
Eligibility: Stable income, good credit score, age between 21 to 60 years
Processing Fee: Typically 1% - 3% of the loan amount

Advantages:

Quick disbursal (within 24-48 hours)
No collateral required
Flexible loan amount and tenure
Minimal paperwork

Unsecured Business Loan

Unsecured business loans are designed to provide funding to small or medium-sized enterprises (SMEs) without requiring collateral. These loans help businesses meet working capital requirements, expand operations, or finance business needs such as inventory or machinery.

Key Features:

Loan Amount: ₹50,000 to ₹50 lakhs (depends on the business and lender)
Repayment Tenure: 1 to 3 years (may vary)
Interest Rate: Typically 15% - 30% per annum (varies by business profile)
Collateral: Not required
Eligibility: Established business with a steady income, good credit history, and at least 2 years of business operation
Processing Fee: 1% - 3% of the loan amount

Advantages:

Fast and easy approval process
No need for business assets or personal collateral
Flexible usage for business-related expenses
Helps businesses manage cash flow or expand

Loan Against Mutual Funds (LAMF)

A Loan Against Mutual Funds allows individuals to borrow funds by pledging their mutual fund holdings as collateral. This type of loan provides liquidity while allowing borrowers to retain ownership of their mutual fund investments.

Key Features:

Loan Amount: Up to 50%-80% of the value of the pledged mutual fund holdings
Repayment Tenure: 1 to 3 years (can vary)
Interest Rate: 10% - 15% per annum (depends on lender and mutual fund type)
Collateral: Mutual fund units held by the borrower
Eligibility: Investors holding mutual funds for a minimum period of 6 months, stable income
Processing Fee: Generally low (1% - 2% of loan amount)

Advantages:

Quick access to funds without liquidating investments
Retain potential returns on the mutual fund investments
Lower interest rates compared to unsecured loans
No prepayment penalty in most cases

Common Considerations Across All Loan Products:

Credit Score:

A key factor in determining loan approval and interest rates

Income Verification:

Lenders typically require proof of stable income to ensure repayment capacity

Prepayment Charges:

Be aware of charges for early loan repayment (varies by lender)

Processing Time:

Loan processing can range from a few hours to several days depending on the type of loan and lender.

For detailed terms and conditions, eligibility, and application processes, it’s best to contact the respective financial institution or lender. Get in Touch with us and let us bring to you the best deals available in the market from the best Players in Loan Products.

Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme-related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in the future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structures (TER) applicable at the time of making the investment before finalizing any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure of commission earnings is made to clients at the time of investments.
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H3 Title Text

Personal Loan

Key Features:

Advantages:

Unsecured Business Loan

Key Features:

Advantages:

Loan Against Mutual Funds (LAMF)

Key Features:

Advantages:

Common Considerations Across All Loan Products:

Credit Score:

Income Verification:

Prepayment Charges:

Processing Time:

For detailed terms and conditions, eligibility, and application processes, it’s best to contact the respective financial institution or lender. Get in Touch with us and let us bring to you the best deals available in the market from the best Players in Loan Products.

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