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Bank Loan Scheme

    Get Faster, Smarter Access to Funds with our Bank Loan Scheme Assistance — we guide you through the entire loan process to secure funding for your business with minimal hassle and maximum efficiency:



    • Checking of loan eligibility & advisory
    • Preparation of business plans & financial projection
    • MSME, SME & startup loan application assistance
    • Expert financial advisors with 4+ years of experience
    • End-to-end support from consultation to disbursement

Payment after work completion.

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What is Bank Loan?

A Bank Loan Scheme is a financial product offered by banks to provide funds to individuals, businesses, or organizations for various purposes such as business expansion, personal needs, purchasing assets, home construction, education, or emergencies.
It involves borrowing a fixed sum, repaying it over time with interest, and following predefined terms and conditions.

Advantages of Bank Loan Scheme

Access to Capital
Access to Capital

Provides funds for various personal or business needs.

Flexible Repayment Options
Flexible Repayment Options

Flexible Repayment Options Tenures can range from months to years depending on the type of loan.

Variety of Loan Types
Variety of Loan Types

Includes personal loans, business loans, home loans, vehicle loans, education loans, etc.

Lower Interest Rates
Lower Interest Rates

Especially for secured loans (home or education loans), often lower than credit cards.

No Ownership Dilution
No Ownership Dilution

No Ownership Dilution For business loans, there’s no dilution of equity or control.

Builds Credit Score
Builds Credit Score

Builds Credit Score Timely repayments improve your credit history and CIBIL score.

Tax Benefits
Tax Benefits

Available on specific loans like home loans or education loans under the Income Tax Act.

Types of Loan

Personal Loan
Business Loan / SME Loan
Home Loan
Education Loan
Vehicle Loan
Gold Loan
Agricultural Loan
Working Capital Loan

Eligibility of Bank Loan Scheme

Age
Age

Age 21 to 65 years (depends on loan type)

Income
Income

Income Regular income from job, business, or profession

Employment
Employment

Employment Salaried or self-employed (min 1-2 years of experience)

Credit Score
Credit Score

CIBIL score of 650+ preferred

Business Age (for Business Loans)
Business Age (for Business Loans)

At least 1–3 years of operational history

Collateral (if required)
Collateral (if required)

Collateral (if required) Property, gold, FD, etc., for secured loans

Documents

Personal Loan

  • A. KYC Documents (Identity & Address Proof)
    • Identity Proof (any one): PAN Card, Aadhaar Card, Passport, Voter ID, Driving License
    • Address Proof (any one): Aadhaar Card, Passport, Driving License, Utility Bills (not older than 3 months), Rent Agreement
  • B. Income Proof:
    • Salaried: Latest 3–6 months’ salary slips, Form 16/ITR, 3–6 months’ bank statement
    • Self-employed: ITR for 2–3 years, P&L and Balance Sheet, Bank statements for 6–12 months
  • C. Employment/Business Proof:
    • Salaried: Employment ID, Appointment Letter
    • Self-employed: Business registration docs, Professional certificate
  • D. Loan Application Form
  • E. Photograph

Business Loan

  1. KYC Documents for both individual and entity
  2. Business Registration & Legal Documents based on business type
  3. Financial Documents: ITR, Financial Statements, Net Worth, GST Returns
  4. Bank Statements: Business current account
  5. Operational Documents: Invoices, trade references, business plan
  6. Collateral Documents: Property ownership, valuation, NOC
  7. Photographs

Education Loan

  • KYC for Student & Co-applicant
  • Academic Documents
  • Income Proof of Co-applicant
  • Collateral Documents (if required)
  • Other Documents: Application Form, Affidavit, Visa Copy, etc.

Gold Loan

  • KYC Documents
  • Photograph
  • Loan Application Form
  • Additional (PAN if amount > ₹5L, Income Proof if business purpose)

Home Loan

  • KYC Documents (PAN mandatory)
  • Income Proof (Salaried and Self-Employed)
  • Employment or Business Proof
  • Property Documents (Title, Sale Deed, Tax Receipt, etc.)
  • Loan Application Form and Photographs

Vehicle Loan

  • KYC Documents
  • Income Proof
  • Employment/Business Proof
  • Vehicle-Related Documents
  • Application Form & Photographs
  • Additional Docs: Down payment, Co-applicant docs

Agricultural Loan

  • KYC Documents
  • Land Ownership Documents
  • Photograph
  • Loan Application Form
  • Income Proof (if needed)
  • Other: KCC, Quotation, Farm Plan

Working Capital Loan

  • KYC of Individuals and Entity
  • Business Registration & Legal Documents
  • Financial Statements and ITR
  • Bank Statements
  • Business Proof
  • Loan Application Form
  • Additional: Personal Net Worth, Collateral, Board Resolution

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Disclaimer: We are a private consulting firm and are not affiliated with any government authority. Our team provides professional assistance to help businesses register with the Ministry of Corporate Affairs (MCA). All services are offered independently and transparently.