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Our financial experts help you grow and secure your future with tailored services that match your goals, income, and aspirations.

Financial Planning

Get expert advice tailored to your financial lifestyle, savings goals, and family priorities — all in one place.

Investment Advisory

Choose the right investment strategy with our guidance — from SIPs to low-risk funds and portfolio diversification.

Portfolio Management

Let us manage your investments, insurance and rebalancing — so your assets always work harder for you.

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Loan Types & Options

Types of Bank Loans

Personal Loan
- Unsecured, for personal use
- High interest rates
Home Loan
- Secured loan for purchasing/building a home
- Long tenure, lower interest
Car Loan / Vehicle Loan
- Secured against the vehicle
- Fixed or floating interest rate
Education Loan
- To fund higher education
- Moratorium period available
Business Loan
- For business expansion, working capital, etc.
- Can be secured/unsecured

Gold Loan
- Secured against gold ornaments
- Short tenure, fast processing
Loan Against Property (LAP)
- Secured against residential/commercial property
- Used for high-value needs
Agricultural Loan
- For farmers for crop production, equipment, etc.
Overdraft / Cash Credit
- Flexible loan against fixed deposit or business assets

Types of NBFC Loans

Personal Loan
- Easier eligibility than banks
- Faster disbursal
Business Loan
- Often preferred by small businesses and startups
Gold Loan
- Popular offering from NBFCs like Muthoot, Manappuram
Vehicle Loan
- New and used vehicles (cars, bikes, commercial vehicles)
Loan Against Property
- NBFCs are more flexible in property evaluation

Consumer Durable Loan
- For buying electronics or home appliances
Education Loan
- Some NBFCs specialize in overseas education financing (e.g., Avanse, InCred)
Microfinance Loans
- Small ticket loans to low-income individuals
Housing Loan
- NBFCs also provide home loans, sometimes at competitive rates

Loan Against Mutual Fund

A loan against mutual funds is a type of secured loan where your mutual fund units are pledged as collateral to a bank or financial institution.

Key Features:

Collateral: You pledge your mutual fund units (equity or debt) instead of liquidating them.
Loan Amount:
- Up to 50–70% of equity mutual funds
- Up to 80–85% for debt mutual funds
Ownership: You retain ownership and potential capital gains, though units are "lien-marked".
Interest Rate: 9–13%, depending on lender and fund type.
Tenure: Typically up to 1–3 years.
Disbursement: Once approved, disbursal in 1–2 working days.

Advantages:

No need to redeem your investments.
Lower interest than unsecured loans.
Quick processing with minimal documentation.

Disadvantages:

Market volatility affects asset value.
If value drops, lender may ask for top-up or part repayment.
Default may lead to liquidation of pledged units.

Business Loan

A business loan is a type of financing provided by lenders to companies to support various business needs. These loans can be used for purposes such as starting a new business, expanding operations, purchasing equipment or inventory, managing cash flow, or covering other operational expenses.

Key Features of a Business Loan:

Loan Amount: Varies based on the business's financial health and needs.
Interest Rate: May be fixed or variable and depends on the lender, creditworthiness, and loan type.
Repayment Term: Can range from a few months to several years.
Collateral: Some business loans require collateral (secured), while others do not (unsecured).
Types: Includes term loans, lines of credit, equipment financing, invoice financing, and SBA loans (in the U.S.).

Loans & Value-Added Services

Insurance-Backed Loans

Flexible EMIs

Hassle-Free Renewals

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