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SPECIAL CASES ARE TAKEN CARE PROPERLY - CONDITION APPLIED
Home Loan
Personal Loan
Business Loan
Auto Loan
Education Loan
Loan Against Property (LAP)
Agricultural Loan
WE ARE BEST FACILITATORS (KOLKATA)
[ INSTANT LOAN - *Condition Applied* ]
“We help you to connect with multiple banks so you can get the best loan offer."
Market Hold 2025
Check the current Interest rate
Home Loan Compare
Govt. Bank
Canara Bank
Home Loan
Details
ROI: 7.40% – 8.65%
Tenure: Up to 30 yrs
Processing Fee: 0.50% (₹1,500‑₹10,000)
SBI
Home Loan
Details
ROI: 7.50% – 8.70%
Tenure: Up to 30 yrs
Processing Fee: 0.35% + GST (₹2,000‑₹10,000)
Union Bank
Home Loan
Details
ROI: From ~8.30% - 9.55%
Tenure: Up to 30 yrs
Processing Fee: ~0.50% + GST
Bank of Baroda
Home Loan
Details
ROI: ~7.45% Starting(or linked)
Tenure: Up to 30 yrs
Processing Fee: 0.50% (₹8,500‑₹15,000) / 0.25% (for >₹50L)
PNB
Home Loan
Details
ROI: ~7.45% (estimate)
Tenure: Up to 30 yrs (assumed)
Processing Fee: (data not reliably found)
Private Bank & NBFC
HDFC Bank
Home Loan
Details
ROI: 8.50% – 9.40%
Tenure: Up to 30 yrs
Processing Fee: ~0.35%
ICICI Bank
Home Loan
Details
ROI: 8.50% – 9.15%
Tenure: Up to 30 yrs
Processing Fee: ~0.50%
Kotak Mahindra
Home Loan
Details
ROI: 8.55% – 9.50%
Tenure: Up to 30 yrs
Processing Fee: ~1%
Axis Bank
Home Loan
Details
ROI: 8.60% – 9.50%
Tenure: Up to 30 yrs
Processing Fee: ~0.40%
Bajaj Finserv
Home Loan
Details
ROI: 8.70% – 10.15%
Tenure: Up to 20 yrs
Processing Fee: ~2%
Eligibility
Loan Eligibility Criteria Overview
| Criteria | Details |
|---|---|
| Age | 21–60 yrs (salaried), up to 65 yrs (self-employed) |
| Income | Min ₹15,000–₹25,000/month (varies by loan & lender) |
| Employment Type | Salaried / Self-employed / Business Owner |
| Credit Score | 700+ preferred for unsecured loans |
| Repayment Capacity | Income-to-debt ratio, existing EMIs checked |
| Nationality | Indian Resident / NRI (for NRI loans) |
| Loan Type | Key Eligibility Highlights |
|---|---|
| Home Loan | Stable income, CIBIL 700+, min 2 yrs job/business continuity |
| Personal Loan | Good credit history, fixed income, no collateral |
| Business Loan | 1–3 yrs business vintage, ITR, GST filings |
| Auto Loan | Min ₹15,000–₹25,000 income, job stability, vehicle quote |
| Education Loan | Confirmed admission, co-applicant income (parent/guardian) |
| Gold Loan | 18–24k gold, ID & address proof, minimal docs |
| Loan Against Property | Property ownership, regular income, title docs |
| Agricultural Loan | Land proof, cultivation plan, subsidy eligibility |
Documents
Common Documents for All Loan Types:
- ID Proof (Aadhaar, PAN, Passport)
- Address Proof (Utility Bill, Aadhaar, Passport)
- Passport-size Photos
- Income Proof (Salary Slips / ITR / Bank Statements)
- Last 6 Months Bank Statements
- Duly filled Loan Application Form
- ID Proof (Aadhaar, PAN, Passport)
- Address Proof (Utility Bill, Aadhaar, Passport)
- Passport-size Photos
- Income Proof (Salary Slips / ITR / Bank Statements)
- Last 6 Months Bank Statements
- Duly filled Loan Application Form
| Loan Type | Additional Documents (Short Form) |
|---|---|
| Home Loan | Property papers, Sale agreement, NOC from builder, Occupancy certificate |
| Personal Loan | Salary slips (3–6 months), Employment letter if salaried |
| Business Loan | Business registration, GST returns, ITR (2–3 yrs), Balance sheet |
| Auto Loan | Proforma invoice, RC book (if used car), Insurance copy |
| Education Loan | Admission letter, Fee structure, Academic records, Co-applicant ID |
| Gold Loan | Gold for pledge, PAN/Aadhaar, Basic KYC |
| Loan Against Property | Property title deed, Valuation report, No Encumbrance Certificate |
| Agricultural Loan | Land ownership proof, Kisan Card, Revenue record, Crop plan |
Business Loan Compare
Govt. Bank
Canara Bank
Business Loan
Details
ROI: 9.25% – 11.55%
Tenure: Up to 10 yrs
Processing Fee: Up to 75%
SBI
Business Loan
Details
ROI: 9.10% – ~11.65%
Tenure: Up to 15 yrs
Processing Fee: ~1%
Union Bank
Business Loan
Details
ROI: EBLR + 2.75% – EBLR + 4.75%
Tenure: Depends on scheme
Processing Fee: Varies
Bank of Baroda
Business Loan
Details
ROI: 7.25% – 13.50%
Tenure: 12 mo – 5 yrs
Processing Fee: Nil
PNB
Business Loan
Details
ROI: 8.65% – 10.15%
Tenure: Up to 7 yrs
Processing Fee: 0.50%
Private Bank
HDFC Bank
Business Loan
Details
ROI: 10.75% – 22.50%
Tenure: Up to 4 yrs
Fees: ~2%
ICICI Bank
Business Loan
Details
ROI: Repo + 6.00%
Tenure: Up to 5 yrs
Fees: ~2%
Kotak Mahindra
Business Loan
Details
ROI: 11.50% – 19%
Tenure: Up to 5 yrs
Fees: ~2%
Axis Bank
Business Loan
Details
ROI: From 10.75%
Tenure: Up to 15 yrs
Fees: ~1.5%
Bajaj Finserv
Business Loan
Details
ROI: 14% – 25%
Tenure: Up to 8 yrs
Fees: ~2–4%
Loan – Frequently Asked Questions
A loan is money borrowed from a bank or lender that must be repaid with interest over a fixed period.
Home loan, Personal loan, Education loan, Car loan, Business loan, and Gold loan.
An unsecured loan that can be used for any personal financial need.
A loan taken to purchase, build, or renovate a residential property.
A loan to finance higher education in India or abroad.
A loan taken to purchase a new or used vehicle.
EMI (Equated Monthly Installment) is the fixed monthly payment made to repay a loan.
The percentage charged by the lender on the loan amount.
An interest rate that remains constant throughout the loan tenure.
An interest rate that changes based on market conditions.
The duration over which the loan must be repaid.
A numerical score indicating your creditworthiness, usually ranging from 300 to 900.
A score above 750 is generally considered good for loan approval.
No. Personal loans are unsecured; home and car loans require collateral.
ID proof, address proof, income proof, bank statements, and photographs.
Yes, most banks and NBFCs allow online loan applications.
Eligibility depends on income, age, credit score, and employment status.
A one-time fee charged by the lender to process the loan.
Yes, most loans allow prepayment, sometimes with charges.
Closing the loan fully before the end of tenure.
Late fees apply and your credit score may be negatively affected.
An official confirmation issued by the lender approving the loan.
Yes, loans are available for self-employed individuals with income proof.
Transferring your loan to another lender offering lower interest rates.
No, loan insurance is optional but recommended.
The percentage of income used to pay existing debts.
Yes, if your income and credit profile support it.
Home loan interest and principal offer tax benefits under the Income Tax Act.
It can range from a few hours to a few days depending on the lender.
Compare interest rates, tenure, fees, and lender reputation.