Loan Solutions for Personal & Business Needs
Akshaya Finvest facilitates access to loan products through relevant partner banks and RBI-registered NBFCs, where the relationship has been formally confirmed. We do not lend money ourselves.
Loan Categories & Documentation Overview
Loan Categories We Facilitate
- Personal Loan — unsecured, for individual needs
- Home Loan / Plot Finance — purchase, construction or plot purchase
- Business & MSME Loan — working capital and expansion
- Vehicle / Car Finance — new and pre-owned vehicles
- Loan Against Property (LAP)
- Working Capital / Cash Credit / Overdraft
Typical Documentation (varies by lender)
- Identity & address proof (PAN, Aadhaar or equivalent)
- Income proof (salary slips, ITRs, or business financials)
- Bank statements (typically 6–12 months)
- Property or asset documents, where applicable
- Business registration/GST documents for MSME & business loans
- Exact list is set by the lending institution, not by us
From Application to Handover
Typical Eligibility Factors (general guide only)
- Indian resident, generally 21–60 years of age at loan maturity (varies by lender & loan type)
- Stable income — salaried, self-employed professional, or business income
- Valid KYC: PAN, Aadhaar or equivalent identity/address proof
- Credit history and repayment track record, where applicable
- Property or asset valuation, for secured loans such as Home Loan / LAP
Who These Loans Typically Suit
- Home Loan / Plot Finance — buying, constructing or purchasing land
- Vehicle Finance — new or pre-owned vehicle purchase
- Business & MSME Finance — working capital or expansion
- Personal Loan — weddings, medical needs, travel, debt consolidation
- Loan Against Property / Working Capital — asset-backed credit needs
These are general factors most lending institutions consider, not a checklist we apply ourselves. Exact eligibility, income thresholds and credit-score requirements are set solely by the lending institution.
Loans Structured for Growth, Ownership & Ambition
Every loan represents an important financial decision. We connect eligible individuals and businesses with relevant credit facilities through formally confirmed partner banks and RBI-registered NBFCs.
Loan amounts, tenures, funding percentages and rates shown below are typical industry ranges for illustration only — not confirmed Akshaya Finvest offers. Exact terms are set solely by the lending institution once a partnership is confirmed.
Home Ownership
Home Loan / Plot Finance
Financing options for eligible home purchase, construction, plot purchase and home renovation requirements, subject to lending institution criteria.
- Loan amounts vary by lender, borrower eligibility and property profile
- Repayment tenures may extend up to 30 years, depending on lender criteria
- Floating and fixed-rate structures may be available depending on the lending institution
- Balance-transfer and top-up facilities may be available from eligible lending institutions
Vehicle Finance
Vehicle / Car Finance
Financing options for new and pre-owned cars, two-wheelers and eligible commercial vehicles, subject to lender criteria.
- Funding percentage varies by vehicle, borrower profile and lending institution
- Repayment tenures may extend up to 7 years, depending on lender and vehicle type
- Commercial vehicle and tractor finance may be available through eligible lending institutions
- Documentation and lender-coordination support through the application process
Enterprise Growth
Business & MSME Finance
Financing options for eligible manufacturers, traders and service enterprises seeking working capital, equipment finance or business expansion.
- Unsecured business-loan amounts vary by lender and borrower eligibility
- Machinery and equipment finance may be available through eligible lending institutions
- CGTMSE-related financing may be available through eligible lending institutions, subject to applicable eligibility and lender participation
- Documentation requirements vary by lending institution and business profile
Personal Loan
Personal financing options for eligible needs such as weddings, medical expenses, travel or debt consolidation. Documentation requirements vary by lending institution.
- Disbursement timeline depends on lender approval, documentation and fulfilment of applicable conditions
- Collateral requirements depend on the specific loan product and lending institution
- Repayment tenure varies by lender and borrower eligibility
Loan Against Property (LAP)
Secured financing against eligible residential, commercial or industrial property, subject to lender assessment and applicable criteria.
- Interest rates and funding terms vary by lender, property type and borrower profile
- Repayment tenure may extend up to 15–20 years, depending on lender criteria
- Funding amount depends on property valuation, borrower eligibility and lender criteria
Working Capital / CC / OD
Working-capital facilities and overdraft options designed to support eligible business cash-flow requirements.
- Interest calculation depends on the facility structure and lending institution's terms
- Cash credit and overdraft limits may be renewable subject to lender terms and periodic review
- Invoice discounting and trade-credit facilities may be available through eligible lending institutions
Who Does What
Akshaya Finvest's Role
We facilitate your loan enquiry: understanding your need, matching it to a confirmed partner institution once one exists, and supporting documentation.
The Partner Institution's Role
The relevant bank or NBFC evaluates your enquiry under its own eligibility, underwriting and credit criteria and makes the final decision independently.
What Happens After You Enquire
Our team contacts you to confirm details and next steps. No advance fee is charged, and you are under no obligation.
Loan Guide — Poster & Brochure
Download a copy to read later, share on WhatsApp, or bring to an advisor conversation. Produced by Akshaya Finvest as a facilitator/distributor — not an official brochure of any insurer, bank, NBFC or AMC.
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