Personal Loan
Are you a self-employed or salaried individual trying to meet both ends? Have you given a thought about personal loan option? When there is an unusual expense like a child's marriage, renovation of your home or furnishing, children’s higher education, family holiday, or any other dream to be turned into reality, make use of the personal loans.
Banks and non-banking financial organisations provide a Personal Loan to satisfy the personal financing needs of the consumer. A lender will provide loan at some interest rate to the customers for a fixed time period. The borrower then uses the loan amount for any personal purpose. The borrower not answerable to the lender about the usage of the personal loan.
Also, personal loans are unsecured loans, which means that there is no need for any kind of collateral to avail them. There is no need to commit anything to the creditor as security. As such, none of your property or asset at risk, should you fail to repay.
Gold Loan
There are situations when we have to borrow money urgently to fulfill pressing needs. In such cases, an option of cashing in on instant liquidity in the form of gold assets is a boon. If you have sufficient gold assets at your disposal, you can always use them as collateral and avail of a gold loan. A gold loan (also called a loan against gold) is a secured loan taken by the borrower from a lender by pledging their gold articles (within a range of 18-24 carats) as collateral. The loan amount provided is a certain percentage of the gold, typically up to 80%, based on the current market value and quality of gold. The advantages of taking a gold loan from Asha Purti include - Faster and easier transactions Interest rate @9-24% p-a onwards Quick disbursal of loan Best value for gold in the market Security and insurance of gold pledged. You can calculate the gold loan interest by subtracting the principal amount from the total amount to be paid. The total amount you would pay by the end of tenure can be calculated with the help of an EMI calculator.
Vehicle Loan
Travelling has become a part of every individual daily life, be it commuting to work, traveling with your family, or even going for a quick weekend getaway. Owning your very own car will help you meet your needs of comfort travel and convenience, no matter how varied it may be. A car loan can help you get a step closer to owning your dream car. An instant car loan from HDB Financial Services offers financial assistance for those seeking to purchase a new or used car. We also offer used car refinance for those seeking to refinance existing low-interest car loans. Our loan offerings include top-ups on an existing vehicle loan, attractive interest rates, quick and speedy processing, and hassle-free documentation processing.
We offer three types of auto loans:
1. Loans for New Car purchase
2. Loans for Used Car Purchase
3. Loans for Used Car Re-finance
Home Loan
With real estate prices touching a new high every year, buying a house still remains one of the most coveted dreams ever. However, with the right choice of home loan and proper financial guidance, your dream home can soon be a reason for your pride and happiness.
-
Buying a new or resale home
-
Home improvement
-
Home extension
Our affordable and flexible home loans are designed to take you closer to your dream home. Our Home Loan affordability calculator is based on your requirements, such as tenure, loan amount, and interest rates to give you an estimate of your EMI. Explore our wide range of products for the most competitive Home Loan interest rates, extended loan tenures, and other benefits like EMIs waivers. Loans for Resident Indian and NRI Salaried and Self Employed customers. Attractive fixed and floating interest rates
Business loan
Looking to get ahead in your career with your own business? Every entrepreneur desires to get success in their business. However, there are certain financial needs for your business that has to be fulfilled to reach the milestone. An unsecured Business Loan can assist in meeting these financial requirements for your business which can include revamping the current business, setting up new machinery, purchasing inventory, increasing working capital, or even keeping above the competitors. By partnering with you, we ensure that you get the perfect financial solution required to give your business the boost it needs. We offer unsecured small Business Loans at attractive interest rates, with a flexible repayment tenure. Experience a hassle-free documentation process and the convenience of doorstep service. Whether your business has needs for short-term loans, intermediate-term loans, or long-term loans, Asha Purti offers instant Business Loans up to Rs. 1Cr.
Loan against Property
If you’re looking for funding and have a commercial or residential property that you can offer as collateral, then Axis Bank’s Loan against Property is just what you need. Asha Purtioffers an easy and hassle-free Loan against Property for a loan amount starting from Rs. 5 Lakhs. You can avail of loans against residential or commercial properties at attractive rates of interest and earn eDGE Loyalty Reward points.
Loan Against Property
Lease Rental Discounting
Overdraft Facility Against Property
Reverse Mortgage Loan
Asha Purti Bank offers easy and hassle-free Loan Against Property for loan amounts starting from Rs. 2.5 Lakhs. Avail loan against residential or commercial property, that you can offer as collateral, at attractive rates of interest.
Loan against Arts & Antiques
Fine art is a powerful capital financial asset that may be considered as part of your overall wealth management strategy such as using your collection as collateral to gain liquidity for other financial opportunities.
As a fine art collector, you no doubt have a very clear sense of what drew you to each piece in your collection. You may even be able to talk in-depth about the personal history and creative influences of the artists whose works you own. Yet if you are like many collectors, you may only vaguely be aware that you can use art as collateral for a loan. By borrowing against your artwork, you may create liquidity to take advantage of a broad range of financial opportunities. You might think about:
-
Acquiring additional artwork
-
Financing business goals
-
Taking advantage of other opportunities
you have access to a qualified team of Asha Purti Loan fine art credit executives who can help you borrow against your art collection while you maintain possession of every piece.
Loan against Shares & Bonds
Do you have an urgent need for cash? Enjoy the flexibility of liquidity along with access to cash without selling off your securities, with Asha Purti Loan Against Securities. Get high-value loans up to 85% of the value of your securities at attractive interest rates and avail of overdraft facilities against your shares and mutual funds, bonds, and life insurance policies. Before you apply for Loan Against Securities with Axis Bank, make sure to read the features and benefits listed below. Our Loan Against Securities offers you double benefit – easy access to funds up to 20 crores while you continue to earn return against your financial assets. What makes this more attractive is that we offer LAS with zero foreclosure and prepayment charges.
High-Value Loans
Interest on Utilisation
No Prepayment Charges
Overdraft Facility
Agriculture loan
Loan Against Agricultural Land is specially designed for people who cultivate crops like farmers, planters, or Horticulturists. It cannot be availed by a businessman or a professional.
Usually, the farmer does not have to furnish Income Tax Returns to apply for this type of loan. It requires minimum documentation. The loan tenure goes up to 20 years with many banks. There are no hidden charges on Agriculture Loans. The lender usually works out a flexible repayment plan considering the farmer’s situation. The turnaround time is fast and the banks are sensitive to the harvest season. The borrower can use the funds for agricultural purposes like food processing, buy a piece of agricultural equipment, set up dairy units/fisheries/ rice mills, or micro-irrigation. They can also use the funds to set up a greenhouse, cold storage, or a horticulture center. To buy agriculture insurance to protect from crop losses. You can use the funds to buy livestock or cover your marketing and operating expenses.
SME loan
SME finance is the funding of small and medium-sized enterprises and represents a major function of the general business finance market – in which capital for different types of firms are supplied, acquired, and cost or priced. Capital is supplied through the business finance market in the form of bank loans and overdrafts; leasing and hire-purchase arrangements; equity/corporate bond issues; venture capital or private equity; asset-based finance such as factoring and invoice discounting, and government funding in the form of grants or loans.
However, not all business finance is external/commercially supplied through the market. Much finance is internally generated by businesses out of their own earnings and/or supplied informally as trade credit, that is, delays in paying for purchases of goods and services.
Although there have been numerous schemes and programs in different economic environments, there are a number of distinctive recurring approaches to SME finance.
Infrastructure Loan
Our hassle-free finance eases your operational concerns and assists in developing urban infrastructure and other projects targeted towards the well-being of our nation. We provide loans covering an entire range of infrastructure space. We customize the solutions based on requirements and provide working capital and project finance for contractors. Attractive lease options are also available with us. So that you can dream big not just for yourself but for the whole country.
-
Working capital and project finance for Developers/Contractors
-
Customized products to suit your requirements
-
Covers the entire range of infrastructure space
-
One-Stop solution for Renewable Energy funding
