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Our Loan Products

Structured hire purchase and asset finance solutions designed for individuals and businesses across Jammu & Kashmir.

What We Offer

Financing Tailored to Your Needs

Whether you're buying your first motorcycle, expanding a commercial fleet, or leveraging property for business growth — we have a structured finance solution for you.

Hire Purchase Finance

Under a hire purchase agreement, you use the asset while paying for it in instalments. Ownership transfers to you upon payment of the final instalment. This is a common structure for machinery, equipment, and high-value commercial assets.

  • Structured monthly instalments over a fixed tenure
  • Asset serves as collateral — no additional security often required
  • Tax benefits may apply for business assets ([PLACEHOLDER: CONSULT YOUR CA])
  • Flexible tenure: [PLACEHOLDER: MIN TENURE] to [PLACEHOLDER: MAX TENURE] months
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Two-Wheeler & Car Loans

Finance your personal vehicle — motorcycle, scooter, or car — with quick approvals and minimal documentation. Available through our dealer network across Jammu & Kashmir.

  • Financing for new and pre-owned vehicles
  • Competitive interest rates based on your credit profile
  • Quick processing — often within 24–48 hours
  • Loan amount: up to [PLACEHOLDER: MAX %]% of vehicle value
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Commercial Vehicle Loans

Finance trucks, tempos, auto-rickshaws, and goods carriers for your transport or logistics business. Repayment terms are designed to align with your business cash flow.

  • New and pre-owned commercial vehicles
  • Flexible EMI structures — including step-up and seasonal options
  • Doorstep documentation available
  • Coverage across Jammu, Samba, Kathua, Udhampur, and Rajouri districts
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Loan Against Property

Leverage your residential or commercial property to access funds for business expansion, education, medical expenses, or other legitimate needs. The property remains in your possession throughout the loan tenure.

  • Loan amount based on property valuation
  • Longer tenure options compared to unsecured loans
  • Lower interest rates due to secured nature
  • Property title verification conducted by our team
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Business / MSME Loans

Working capital, equipment purchase, and business expansion finance for micro, small, and medium enterprises in the Jammu region. We understand the local business landscape and structure loans accordingly.

  • Finance for equipment, inventory, and business expansion
  • Working capital solutions for seasonal businesses
  • Minimal paperwork for existing customers
  • Dedicated relationship manager for MSME clients
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Not Sure Which Product?

Use our EMI calculator to estimate monthly payments for different loan amounts and tenures. It's a quick way to see what fits your budget.

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Eligibility

General Eligibility Criteria

Specific criteria vary by product. Contact our team for a detailed assessment based on your profile and the asset you wish to finance.

Criteria Salaried Individuals Self-Employed / Business
Age [PLACEHOLDER: MIN AGE] – [PLACEHOLDER: MAX AGE] years [PLACEHOLDER: MIN AGE] – [PLACEHOLDER: MAX AGE] years
Income Minimum [PLACEHOLDER: MIN SALARY] per month Minimum [PLACEHOLDER: MIN INCOME] per annum
Employment / Business Vintage Minimum [PLACEHOLDER] years in current job Minimum [PLACEHOLDER] years in current business
Credit Score [PLACEHOLDER: MIN CIBIL SCORE] or above preferred [PLACEHOLDER: MIN CIBIL SCORE] or above preferred
KYC Documents Aadhaar, PAN, address proof, income proof (salary slips / ITR), bank statements
Eligibility criteria are indicative. Final approval depends on credit assessment, asset valuation, and regulatory requirements. Contact our branch or apply online for a personalized assessment.
Rates & Fees

Interest Rates & Charges

Interest rates are subject to change based on RBI guidelines, market conditions, and your individual credit profile. The rates displayed on this website or communicated by our team are indicative. Final rates will be specified in your loan agreement. Processing fees and other charges apply — please refer to our Rate Card or visit a branch for current details.

For the most current interest rates, processing fees, and other charges, please download our Rate Card & Fee Schedule or speak with our loan officer at any branch. All charges are disclosed transparently in the loan agreement before you sign.

Ready to Get Started?

Apply online in minutes or visit your nearest branch. Our team will guide you through every step — from documentation to disbursal.

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