Loan & Debt Advisory Solutions
We assist customers in exploring suitable loan and financing options based on requirements, eligibility, documentation, and lender policies.
Home Loan Solutions
Competitive interest rates and maximum tenure for purchasing or building your dream home.
Home Purchase & Construction Loan
Finance up to 85-90% of property value with lowest floating/fixed interest rates.
- Financing up to 90% of registered property value
- Extended repayment tenure up to 30 years with affordable EMIs
- Pre-approved projects with leading Surat builders for faster sanction
Home Extension & Renovation Loan
Upgrade, furnish, or add extra floors to your existing residential house.
- Substantially lower interest rates compared to personal loans
- Funding based on contractor estimate and architect valuation
- Flexible disbursal mapped to construction completion stages
Home Loan Balance Transfer & Top-Up
Switch your existing high-interest home loan to save lakhs in interest.
- Reduce interest rate by 0.5% to 1.5%, saving lakhs in total interest
- Additional Top-Up loan up to ₹50 Lakhs for personal or business use
- Zero or minimal balance transfer processing charges
Property Loans (Loan Against Property)
Unlock the liquid value tied up in your residential, commercial, or industrial real estate.
Loan Against Residential Property
Mortgage your residential bungalow, flat, or plot for high liquidity.
- Funding up to 65-75% of market valuation
- Interest rates starting from 8.95% onwards
- Long repayment tenures up to 15-20 years for comfortable EMIs
Loan Against Commercial & Industrial Property
Leverage shops, offices, warehouses, and factory sheds for working capital.
- Covers shops in Ring Road textile markets, offices in Vesu, and GIDC factory plots
- Overdraft (OD) or Term Loan facility as per business cash flow requirements
- Balance transfer and top-up facility available on existing commercial mortgages
Business & MSME Loans
Unsecured working capital, machinery finance, and expansion loans for enterprises.
Unsecured Business Loan (Collateral Free)
Collateral-free business funding up to ₹75 Lakhs in 3-5 working days.
- No collateral or property mortgage required
- Loan amounts from ₹5 Lakhs up to ₹75 Lakhs
- Fast sanctions in 3 to 5 business days
Machinery & Equipment Finance
Finance new or imported weaving looms, embroidery machines, and CNC gear.
- Funding up to 80-90% of proforma invoice value
- Moratorium period options during machine transit and installation
- Competitive commercial interest rates
Cash Credit (CC) & Working Capital Overdraft (OD)
Revolving credit line mapped to stock and debtor book debts.
- Pay interest only on the utilized amount, not on the total sanctioned limit
- Annual renewal with enhancement options based on turnover growth
- Letter of Credit (LC) and Bank Guarantee (BG) limits available
Personal Loans
Instant unsecured funds for weddings, medical emergencies, travel, and debt consolidation.
Personal Loan (Wedding, Medical, Education, Travel)
Unsecured personal loan up to ₹40 Lakhs with instant approval.
- Loan amounts from ₹50,000 to ₹40 Lakhs
- Tenures ranging from 1 year to 5 years
- No collateral, guarantor, or security needed
Debt Consolidation Loan
Combine multiple credit card dues and high-cost debts into a single low EMI.
- Save up to 50% on monthly interest compared to credit card rollovers
- Single fixed EMI payment every month
- Improves credit score (CIBIL) over time
Vehicle Finance
Attractive loans for new cars, used cars, two-wheelers, and commercial transport vehicles.
New & Used Car Loans
Up to 90-100% on-road funding with low EMI schemes.
- Up to 100% on-road funding for select car models
- Tenures up to 7 years with step-up EMI options
- Used car valuation and financing up to 85% of market value
Commercial Vehicle & Heavy Transport Finance
Funding for trucks, buses, tempos, tankers, and transit mixers.
- Covers Light Commercial Vehicles (LCV) and Heavy Commercial Vehicles (HCV)
- Funding for body building and chassis purchase
- Fleet renewal and refinance schemes
Professional Loans
Specialized high-limit credit lines for Doctors, CAs, Architects, and Engineers.
Doctor & Hospital Setup Loan
Specialized funding up to ₹1 Crore for clinic setup and medical diagnostic equipment.
- Unsecured loans up to ₹1 Crore based on medical degree & vintage
- Preferential low interest rates for healthcare professionals
- Flexible repayment with no end-use restrictions
Loans for Chartered Accountants, Architects & Engineers
Working capital and office modernization loans for certified professionals.
- Unsecured loans up to ₹50 Lakhs based on COP (Certificate of Practice)
- Fast sanction in 48 hours with minimal financial paperwork
- Used for office purchase, staff scaling, or tech infrastructure
Other Financing Solutions
Loan against securities, gold loans, project finance, and debt restructuring.
Loan Against Securities (LAS) & Gold Loan
Get instant liquidity without selling your mutual funds, shares, or gold.
- Pledge mutual funds & shares digitally with zero physical paperwork
- Instant credit limit activated within 2 to 4 hours
- Pay interest only on the exact funds utilized
Project Finance & Structured Business Funding
Large-scale project debt syndication for industrial and builder developments.
- Debt syndication from ₹10 Crore up to ₹250+ Crore
- Preparation of Detailed Project Reports (DPR) and financial modeling
- Structuring repayment aligned with project sales / cash realization milestones
Calculate Monthly Loan EMI
Compute your exact monthly outflow and total interest before applying for a loan in Surat.
* Note: Loan approvals, interest rates (ROI), processing fees, and disbursement timelines are at the sole discretion of partner banks and NBFCs, depending on borrower CIBIL score, income proof, and property valuation.