Focus products & core services
Overdraft · Cash Credit · Term Loan · LAP
Plus debt syndication, consolidation, EMI reduction and interest rate reduction — structured with the discipline of a private bank.
Focus Products
The products we build the most solutions around.
Overdraft (OD)
Revolving credit facility for working capital — pay interest only on the amount you use.
Cash Credit (CC)
Working capital limit against stock and book debts for traders, manufacturers and distributors.
Term Loan
Structured medium-to-long term funding for capex, expansion, machinery or business growth.
Loan Against Property (LAP)
Mortgage residential, commercial or industrial property for any end-use.
Core Advisory Services
Debt syndication · Consolidation · EMI & rate reduction.
Advisory-led solutions for businesses and professionals who already have credit and want to optimise it, or need large-ticket structured financing.
Debt Syndication
Large-ticket financing arranged across multiple lenders for acquisitions, projects and growth capital.
Debt Consolidation
Merge multiple loans into one structured facility — lower EMI, simpler tracking, better cashflow.
EMI Reduction
Restructure existing loans to reduce monthly outgo without hurting your credit profile.
Interest Rate Reduction
Negotiate balance transfer or rate reset to reduce the interest rate on your existing loan.
Business & MSME
Business & MSME loans
Overdraft (OD)
Revolving credit facility for working capital — pay interest only on the amount you use.
Cash Credit (CC)
Working capital limit against stock and book debts for traders, manufacturers and distributors.
Term Loan
Structured medium-to-long term funding for capex, expansion, machinery or business growth.
Business Loan (Unsecured)
Collateral-free term loan for working capital, expansion or equipment.
Working Capital / CC / OD
Revolving credit for daily operations — pay interest only on utilised amount.
MSME / MUDRA Loan
Government-backed loan under PMMY for micro & small enterprises.
Machinery / Equipment Loan
Secured loan against the asset being purchased — CNC, packaging, medical, etc.
Invoice Discounting
Get paid today against invoices raised on creditworthy buyers.
Professional Loan
Tailored unsecured loan for doctors, CAs, architects and other professionals.
Startup / Stand-Up India Loan
Funding for SC/ST/Women entrepreneurs and DPIIT-recognised startups.
Home & Property
Home & Property loans
Loan Against Property (LAP)
Mortgage residential, commercial or industrial property for any end-use.
Home Loan
Buy, construct or renovate a residential property.
Home Improvement Loan
Funds for repairs, interiors, extensions, modular kitchen or roofing.
Plot / Land Loan
Purchase of residential plot for self-construction within 3–5 years.
Personal & Lifestyle
Personal & Lifestyle loans
Professional Loan
Unsecured loans for doctors, CAs, architects and consultants — for practice expansion and equipment.
Credit Card Loan
Convert big-ticket card spends or get cash from your existing credit limit.
Gold Loan
Secured loan against 18k–22k gold jewellery or coins.
Education Loan
Funds for higher studies in India or abroad including tuition, living and travel.
Vehicle & Asset
Vehicle & Asset loans
Car Loan (New)
Finance up to 100% of new car on-road price.
Used Car Loan
Finance pre-owned cars up to 10 years old.
Two-Wheeler Loan
Finance for bikes, scooters and EVs.
Commercial Vehicle Loan
Trucks, tippers, buses, taxis — new or used.
Tractor / Farm Equipment Loan
Tractor, harvester, rotavator and irrigation equipment.
Specialised
Specialised loans
NRI Home Loan
Loans for Non-Resident Indians to buy property or fund family needs in India.
Kisan Credit Card (KCC)
Short-term credit for crop cultivation, allied activities and household needs.
Loan Against Securities
Pledge listed shares, mutual funds, bonds or insurance to get a credit line.
Loan Against Fixed Deposit
Borrow up to 90% of FD value at 1–2% over FD rate.
Medical Emergency Loan
Fast-track loan for hospitalisation and treatment.
Balance Transfer / Top-Up
Move existing loan to a cheaper lender + borrow extra against the same property/asset.
Decision guides
Before you apply, read these
Home loan balance transfer
Break-even maths, charges and how much a 1% cut is worth.
Debt consolidation loan
Merge cards and EMIs into one lower-rate obligation.
Cash credit vs overdraft
Security, drawing power, cost and compliance — side by side.
Working capital loan guide
How banks size your limit, and how to ask for the right number.
LAP without income proof
Surrogate income programmes, LTV and documents that decide the file.
MSME loan interest rates 2026 — 48+ banks compared
Bank-by-bank MSME loan interest rate table, collateral-free limits and eligibility rules.
Business loan EMI calculator
Monthly EMI, total interest and rate ranges by facility.