All interest rates, processing fees, and penalty structures are clearly stated in advance with zero surprise costs.
Approved funds are transferred securely via NEFT/RTGS directly into the verified applicant's bank account.
Flexible daily, weekly, or monthly repayment schedules customized according to borrower income frequency.
Transparent credit options designed for small businesses, self-employed individuals, and households.
| Loan Category | Maximum Limit | Tenure Range | Interest Rate Range | Processing Fee | Action |
|---|---|---|---|---|---|
|
Micro Business Loan
Working capital for retail & small business |
Up to ₹2,00,000 | 12 - 36 Months | 12% - 15% p.a. | 1.5% + GST | Apply |
|
Personal & Household Loan
Medical, education, or household needs |
Up to ₹50,000 | 6 - 24 Months | 13% - 16% p.a. | 1.0% + GST | Apply |
|
Agriculture & Farm Credit
Seeds, equipment, and rural livestock |
Up to ₹1,00,000 | 6 - 24 Months | 10% - 14% p.a. | 1.0% + GST | Apply |
|
Home Improvement Loan
Roofing, sanitation, and home repairs |
Up to ₹3,00,000 | 12 - 48 Months | 11% - 15% p.a. | 1.5% + GST | Apply |
We maintain straight-forward requirements to enable hassle-free credit access for deserving individuals.
Applicant must be between 18 and 60 years of age at the time of application.
Indian citizen residing in an active branch coverage area for at least 1 year.
Verifiable regular income source from business, trade, agriculture, or employment.
Use the calculator to estimate monthly installment amounts based on principal and tenure.