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Secure Loans

🔐 Asset-Backed Security
💰 Lower Interest Rates
📈 Higher Loan Amounts
⏰ Flexible Repayment
✅ Easy Approval
🔐 Asset-Backed Security
💰 Lower Interest Rates
📈 Higher Loan Amounts
⏰ Flexible Repayment
✅ Easy Approval

Secured vs Unsecured Loans

Understanding the key differences to make the right choice

🔐 Secured Loans

  • ✓ Backed by collateral (property, gold, vehicle)
  • ✓ Lower interest rates (8-12% typically)
  • ✓ Higher loan amounts available
  • ✓ Longer repayment tenure (up to 30 years)
  • ✓ Easier approval with collateral
  • ✓ Better for large expenses

📝 Unsecured Loans

  • ✓ No collateral required
  • ✓ Higher interest rates (12-24%)
  • ✓ Lower loan amounts
  • ✓ Shorter tenure (1-5 years typically)
  • ✓ Credit score based approval
  • ✓ Quick processing

Complete Range of Secured Loans

Choose the right loan backed by your assets

🏦
Loan Against Property
🔒
Security Residential, commercial, or industrial property
🎯
Use Any business or personal purpose
💵
Loan Amount Up to 60-70% of property value
⏱️
Tenure Up to 15-20 years
🏠
Home Loan
🔒
Security The house/flat being purchased
🎯
Use Purchase, construction, or renovation of property
⏱️
Tenure Up to 30 years
📋
Purchase, Construction, Improvement, Plot+Construction
🚗
Vehicle Loan
🔒
Security Vehicle itself (car/bike/commercial vehicle)
🎯
Use Buy new or used car/bike/commercial vehicle
⏱️
Tenure 1-7 years
💰
Benefit Up to 90% on-road price financing
💎
Gold Loan
🔒
Security Gold ornaments or coins
🎯
Use Any personal or business purpose
💵
Loan Amount 60-75% of gold value
⏱️
Tenure 3 months - 3 years
📜
Loan Against Fixed Deposit
🔒
Security Fixed deposit with same bank
📊
Interest Rate FD rate + 1-2% only
✨
Advantage FD continues to earn interest
💵
Loan Amount Up to 90-95% of FD value
📈
Loan Against Securities
🔒
Security Shares, Mutual Funds, Bonds, Insurance policies
🎯
Use Short-term liquidity without selling investments
⏱️
Tenure 1-3 years (renewable)
💰
Benefit Keep earning returns on investments
🧾
Loan Against Insurance Policy
🔒
Security Surrender value of life insurance policy
📋
Only for Traditional life insurance (not term plan)
💵
Loan Amount Up to 90% of surrender value
✨
Benefit Policy remains active
🏭
Working Capital / OD Limit
🔒
Security Property, stock, or receivables
📋
Type Cash Credit (CC) / Overdraft (OD)
🎯
Use Daily business operations
💰
Interest Only on used amount
🧰
Machinery / Equipment Loan
🔒
Security The machinery itself
🎯
For Manufacturers, workshops, and industries
⏱️
Tenure 3-7 years
💰
Benefit Up to 80% machinery cost
🚢
Commercial Vehicle Loan
🔒
Security The vehicle/equipment financed
🎯
Use Transport and logistics business
🚚
Types Trucks, buses, construction equipment
⏱️
Tenure 3-5 years
🏘️
Agriculture / Farm Loan
🔒
Security Agricultural land or produce
🎯
Use Farm development, crop production, irrigation
💰
Benefit Government subsidies available
🌾
Types Crop loan, tractor loan, farm equipment
🧑‍💼
Mortgage Loan
🔒
Security Immovable property (any type)
📋
Includes Home loan, LAP, commercial mortgage
💵
Loan Amount Based on property valuation
✨
Benefit Lowest interest rates available

How to Get a Secured Loan?

Simple 5-step process to get your loan approved

Choose Your Loan Type

Select the secured loan that matches your collateral and financial needs. Consider factors like interest rate, tenure, and loan amount.

1

Check Eligibility

Verify your eligibility based on age, income, credit score, and property/asset valuation. Most secured loans have flexible eligibility criteria.

2

Submit Documents

Provide KYC documents, income proof, property papers, and any loan-specific documents. Digital submission available for faster processing.

3

Property/Asset Valuation

Bank/lender will evaluate your collateral. For property loans, a technical and legal verification is conducted by approved valuers.

4

Loan Disbursal

Once approved, loan amount is disbursed to your account. Typically takes 7-15 days from application for property-backed loans.

5

Ready to Work With Our Team?

Contact us today to discuss your financial goals.

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