Need for funds can arise in business for building capital assets (purchase of machinery, renovation of business premises) or for working capital needs (purchase of raw materials or for enlarged sales receivables in growing businesses).
Whether you need a loan for building capital assets or for working capital or a combination, we would be happy to be of service.


If you are a micro business your funding requirement can be met by a range of our products:

  • Loan amount: Rs. 300,000 to Rs 1,000,000
  • Repayment Period: 2 years to 5 years
  • Interest Rate: 22% – 26% per annum
  • Secured against mortgage over marketable real property
  • Loan amount: Rs. 50,000 to Rs. 300,000
  • Repayment Period: 6 months to 3 years
  • Interest Rate: 26% – 28% per annum
  • Secured against working assets of business
  • Seasonal and festival loan requirement of Rs. 50,000 to Rs. 100,000
  • Repayment period: 2 months to 6 months
  • Interest Rate: 22% – 28% per annum
  • Existing loan customers with a good repayment track record can apply after 6 months of taking their ‘Primary’ loan.
  • Secured against the existing assets under the ‘Primary’ loan.



  • Manufacturing: We provide loans to all types of manufacturing business. Some of which are Cloth, Bags, Ladies/ Gents Shoes, Brass Statue, Building Hardware, Leather Products, Handicraft, Block Printing, Gota Work, Auto Parts, Powerloom/ Handloom Products, Rugs and Carpets, Handicraft, Wooden Work, Steel Work.
  • Trading: We provide loans to all types of trading business. Some of which are Garments, Stationery, Kirana, Petty Shop, General Store, Utensils, Furniture, Marbles, Auto Parts, Agricultural Produce.
  • Services: We provide loans to all types of service industries. Some of which are Dhaba/ Eatery/ Restaurants, Sweet Shop, Tailor, Boutique, Dry Cleaners, Hair Saloon, Beauty Parlour.
    • Livestock: We provide loans to buy Cattle (Indigenous/ Cross Breed Cow, Buffalo)


  • Applicant must be a Micro or a Small Enterprise owner with annual business turnover between Rs 10 lakh and Rs 100 lakh ( ie. Rs 1 million and Rs 10 million)
  • Years in Business – Minimum three years in the same line of business and operating for three years in the same city.
  • Financial Documents – If you do not have a formal Income Tax Return or Profit & Loss Accounts – do not worry, our Loan Advisors are trained to work with a variety of documentation alternatives.
  • Have a running Banking Account. We will arrange to directly debit your bank account for the repayment instalments through Automated Clearing House process



Business Institution, small businesses and supply chain participants have needs larger than micro enterprises. We offer two broad products to cover your requirements.


To enable you to purchase Fixed and working business assets, to renovate or construct business facilities or for debt consolidation

  • Loan Amount: Rs 10 to 25 lacs
  • Repayment Period: 2 years to 7 years
  • Interest Rate: 19% – 24% per annum
  • Secured against mortgage over marketable real property and working business assets

Efficient management of your cash flows or working capital can be of great advantage to your growing business. We offer a variety of arrangements for using your purchase order, invoices or trade documentation to provide you a suitable funding option

  • Loan Amount: upto Rs 10 lacs
  • Repayment Period: 3 months to 6 months
  • Interest Rate: 1% to 2% per month
  • Security against hypothecation of working capital, machinery and fixed assets