{"$schema":"https://loansgoteasy.com/ai/service.json","verifiedOn":"2026-08-08","provider":{"name":"Loans Got Easy","url":"https://loansgoteasy.com","role":"Authorized Direct Selling Agent (DSA)","isLender":false,"note":"Facilitates applications to 25+ partner banks and NBFCs. Does not sanction, approve, or disburse loans."},"ratesPolicy":{"basis":"Partner lender published rate schedules","lastVerified":"2026-08-08","indicative":true,"subjectToEligibility":true,"note":"Every rate below is an indicative starting rate. The rate an individual applicant receives is set by the lender and depends on credit profile, income, and the product applied for."},"services":[{"name":"Personal Loan","slug":"personal-loan","url":"https://loansgoteasy.com/loans/personal-loan","summary":"Fund anything, no questions asked","description":"A personal loan is an unsecured loan you can use for any purpose - medical emergencies, travel, wedding, home renovation, or debt consolidation. No collateral is required. In Hyderabad, salaried employees at Category-A companies (TCS, Infosys, Wipro, Google, Amazon, Microsoft, Accenture) qualify for rates starting at 10.49% p.a. Most applications are approved within 24-48 hours. Pre-approved loans for existing bank customers are credited within 10 minutes.","indicativeRate":{"fromPercent":9.99,"toPercent":22,"unit":"percent per annum"},"amount":{"minINR":50000,"maxINR":5000000,"minDisplay":"₹50,000","maxDisplay":"₹50 lakh"},"tenure":{"minMonths":12,"maxMonths":60},"typicalApprovalTime":"10 minutes (pre-approved) to 48 hours","eligibility":["Age 21-58 years (up to 60 for some lenders)","Salaried: minimum monthly income ₹20,000-₹25,000 (varies by lender)","Category-A employer (MNC/listed company) reaches the top pricing tier from 10.49%","Self-employed: net annual income ≥ ₹3L from ITR, 2 years business vintage","CIBIL score ≥ 700 preferred; some NBFCs accept 650","FOIR (total EMIs including proposed) below 50% of gross income","Minimum 6 months with current employer (1 year preferred)"],"documentsRequired":[{"category":"Identity and Address","items":["Aadhaar card (mandatory)","PAN card (mandatory)","Passport or Voter ID (alternate address proof)","2 passport-size photographs"]},{"category":"Income (Salaried)","items":["Last 3 months salary slips (original)","Bank statement - salary account, last 6 months","Form 16 - last 2 years (issued by employer)","Offer letter / appointment letter (if employed less than 1 year)"]},{"category":"Income (Self-employed)","items":["Income Tax Return - last 2 years with computation","P&L Account and Balance Sheet - last 2 years (CA-certified)","Bank statement - all accounts, last 12 months","Business registration proof (GST / Shop Act / Partnership deed)"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 3% of loan amount (often negotiable or waived)"},{"label":"Prepayment Charges","value":"Zero for floating rate loans; 2-5% for fixed rate (varies by lender)"},{"label":"Foreclosure Charges","value":"Zero after 12 months at most NBFCs; some banks waive completely"},{"label":"Late Payment Fee","value":"2-3% per month on overdue amount"},{"label":"Cheque / NACH Bounce Charge","value":"₹300-₹1,000 per bounce"},{"label":"Loan Cancellation Charge","value":"Processing fee is non-refundable if cancelled post-disbursement"}],"relatedProducts":["https://loansgoteasy.com/loans/home-loan","https://loansgoteasy.com/loans/balance-transfer","https://loansgoteasy.com/loans/vehicle-loan","https://loansgoteasy.com/loans/gold-loan"]},{"name":"Home Loan","slug":"home-loan","url":"https://loansgoteasy.com/loans/home-loan","summary":"Own your dream home in Hyderabad","description":"Home loan rates in Hyderabad start from 8.5% p.a. for salaried borrowers with a CIBIL score above 750. All loans above ₹30L are at floating rates linked to the policy repo rate - when the repo rate falls, your EMI can reduce. With the central bank cutting rates to 6.25% in 2025, home loan borrowers are seeing multi-year lows. Hyderabad properties must be approved by GHMC, HMDA, or DTCP. Under-construction projects must be RERA registered with Telangana RERA (rera.telangana.gov.in).","indicativeRate":{"fromPercent":7.15,"toPercent":10.5,"unit":"percent per annum"},"amount":{"minINR":500000,"maxINR":150000000,"minDisplay":"₹5 lakh","maxDisplay":"₹15 Cr"},"tenure":{"minMonths":60,"maxMonths":360},"typicalApprovalTime":"15-25 working days","eligibility":["Age 21-65 years (loan must close before age 70 for some lenders)","Salaried: minimum monthly income ₹35,000; self-employed: ITR income ≥ ₹5L p.a.","CIBIL score ≥ 700 (750+ reaches a lender's top pricing tier); some HFCs accept 680","Property must be GHMC / HMDA / DTCP approved; under-construction must be RERA registered","LTV: up to 90% for loans below ₹30L; 80% for ₹30L-₹75L; 75% for above ₹75L (regulatory LTV norms)","FOIR including proposed home loan EMI below 55%"],"documentsRequired":[{"category":"Identity and Address","items":["Aadhaar card","PAN card","Passport (preferred, especially for NRI or high-value loans)","3 passport-size photographs"]},{"category":"Income (Salaried)","items":["Last 3 months salary slips (original)","Bank statement - salary account, last 6 months","Form 16 - last 2 years","Appointment letter (if employed less than 2 years at current employer)","Employment certificate from employer"]},{"category":"Income (Self-employed)","items":["Income Tax Return - last 2-3 years with CA-certified computation","P&L Account and Balance Sheet - last 2-3 years (CA-certified and signed)","Bank statement - all business accounts, last 12 months","Bank statement - personal savings account, last 6 months","Business registration (GST certificate, Shop Act, Partnership deed, COI)","CA certificate confirming business continuity"]},{"category":"Property Documents","items":["Sale agreement / Allotment letter / Builder-buyer agreement","Title deed chain (minimum 13 years of ownership history, ideally 30 years)","Encumbrance certificate (EC) from sub-registrar office","GHMC / HMDA / DTCP approved building plan","RERA registration certificate (mandatory for under-construction projects)","NOC from builder / housing society / DTCP","Property tax receipts (last 3 years)","Completion certificate (for ready-to-move properties)","Occupancy certificate (OC - for apartments from GHMC)"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.25% - 0.5% of loan amount (LIC HFL lowest at 0.25%)"},{"label":"Technical Valuation Fee","value":"₹5,000 - ₹15,000 (non-refundable, even if loan not approved)"},{"label":"Legal Verification Fee","value":"₹5,000 - ₹15,000 (non-refundable)"},{"label":"MODT Stamp Duty (Telangana)","value":"0.5% of loan amount (paid to state government)"},{"label":"Prepayment / Foreclosure","value":"Zero for floating-rate loans (regulatory mandate). Fixed rate: 2-4%"},{"label":"Home Loan Insurance","value":"Optional but strongly recommended; premium varies by amount and tenure"}],"relatedProducts":["https://loansgoteasy.com/loans/construction-loan","https://loansgoteasy.com/loans/loan-against-property","https://loansgoteasy.com/loans/balance-transfer"]},{"name":"Business Loan","slug":"business-loan","url":"https://loansgoteasy.com/loans/business-loan","summary":"Capital to grow your business","description":"Business loans in Hyderabad range from ₹2L to ₹5Cr depending on turnover, business vintage, and banking history. Rates start from 10.75% for established businesses. There are two broad categories: unsecured business loans (up to ₹80L at higher rates) and secured loans backed by property or machinery (lower rates, higher amounts). GST-based loans from fintech lenders (Lendingkart, Flexiloans) require no ITR for loans up to ₹50L. Our advisors analyse your financials and match you with the right lender and product.","indicativeRate":{"fromPercent":9.99,"toPercent":22,"unit":"percent per annum"},"amount":{"minINR":200000,"maxINR":50000000,"minDisplay":"₹2 lakh","maxDisplay":"₹5 Cr"},"tenure":{"minMonths":12,"maxMonths":84},"typicalApprovalTime":"3-7 working days","eligibility":["Business vintage: minimum 2 years (1 year for GST-based fintech loans)","Annual turnover: ₹50L+ (₹24L+ turnover in GST returns for fintech lenders)","GST registration mandatory for turnover above ₹40L","ITR filed for last 2 years (preferred; some lenders waive for GST-based products)","CIBIL score of promoter: ≥ 680 (banks); ≥ 600 (fintech NBFCs)","Business bureau score (CIBIL Commercial, CRIF, Experian) positive","No cheque bounces or EMI defaults in last 12 months"],"documentsRequired":[{"category":"Business Identity Documents","items":["GST registration certificate (GSTIN)","Certificate of Incorporation (for Pvt Ltd / LLP)","Partnership deed (for partnership firms)","Shop and Establishment Act licence / Gumasta licence (for proprietorship)","Udyam / MSME registration certificate (if registered)","Trade licence from municipal corporation (if applicable)"]},{"category":"Financial Documents","items":["Income Tax Return - last 2 years with computation of income","P&L Account and Balance Sheet - last 2 years (CA-certified and signed)","GST returns - GSTR-1 and GSTR-3B, last 12 months","Bank statements - all current and savings accounts, last 12 months","Existing loan sanction letters and repayment statements (if any running loans)"]},{"category":"Promoter Documents","items":["PAN card of all directors / partners / proprietor","Aadhaar card of all directors / partners / proprietor","Passport-size photographs (2 each per promoter)","Personal bank statement - last 6 months","Personal ITR - last 2 years (for secured or high-value loans)"]},{"category":"Collateral Documents (Secured Loans Only)","items":["Title deed of collateral property + encumbrance certificate","Approved building plan (GHMC/HMDA/DTCP)","Property tax receipts (last 3 years)","Machinery invoice / purchase bill (for machinery loans)","Purchase orders or work contracts (for working capital loans)","Quotation for new equipment / machinery to be purchased"]}],"feesAndCharges":[{"label":"Processing Fee","value":"1% - 3% of loan amount (negotiable for large amounts)"},{"label":"Prepayment Penalty","value":"2-5% of outstanding principal within first 2 years; zero after 2 years (most lenders)"},{"label":"Foreclosure Charges","value":"2-4% (NBFCs); banks typically 0-2% for floating rate"},{"label":"Late Payment Penalty","value":"2-3% per month on overdue installment"},{"label":"CIBIL / Bureau Report Charge","value":"₹50-₹500 (some lenders absorb this)"},{"label":"Valuation Fee (Secured)","value":"₹5,000-₹20,000 for property valuation (non-refundable)"}],"relatedProducts":["https://loansgoteasy.com/loans/msme-loan","https://loansgoteasy.com/loans/startup-loan","https://loansgoteasy.com/loans/loan-against-property"]},{"name":"MSME Loan","slug":"msme-loan","url":"https://loansgoteasy.com/loans/msme-loan","summary":"Government-backed credit for small businesses","description":"MSME loans in Hyderabad cover a broad range: Mudra loans from ₹50,000 to ₹10L with zero collateral, CGTMSE-guaranteed loans up to ₹2Cr without collateral, PMEGP for new enterprises with government subsidy, and SIDBI direct lending for growth-stage MSMEs. Udyam-registered businesses (msme.gov.in) get priority processing, lower rates, and access to government guarantee schemes. As of 2026, Telangana has strong MSME support through T-IDEA and TS-iPASS for manufacturing units.","indicativeRate":{"fromPercent":8,"toPercent":16,"unit":"percent per annum"},"amount":{"minINR":50000,"maxINR":20000000,"minDisplay":"₹50,000","maxDisplay":"₹2 Cr"},"tenure":{"minMonths":12,"maxMonths":84},"typicalApprovalTime":"3-7 working days","eligibility":["Udyam / MSME registration certificate (mandatory for CGTMSE and PMEGP)","Micro enterprise: investment below ₹1Cr, turnover below ₹5Cr","Small enterprise: investment below ₹10Cr, turnover below ₹50Cr","Minimum 1 year business vintage (0 years for PMEGP - new enterprise scheme)","GST registration preferred for loans above ₹10L","Proprietor / partner CIBIL ≥ 650 (banks); ≥ 600 (NBFC and fintech)"],"documentsRequired":[{"category":"Business and MSME Documents","items":["Udyam Registration Certificate (Udyam number - register free at udyamregistration.gov.in)","GST registration certificate (if registered)","Business registration proof (Shop Act / Partnership deed / COI as applicable)","GST returns - last 6-12 months (GSTR-1 and GSTR-3B)","Bank statement - all accounts, last 12 months","ITR with P&L - last 1-2 years (waived for Mudra up to ₹10L)"]},{"category":"Identity Documents","items":["Aadhaar card of proprietor / all partners / all directors","PAN card of business and all promoters","Passport-size photographs"]},{"category":"Scheme-Specific Documents","items":["PMEGP: Aadhaar-linked application on kviconline.gov.in; EDP training certificate (if required)","CGTMSE: Applied through bank (borrower does not apply directly to CGTMSE)","Mudra: Loan application to nearest bank branch; basic business plan for Kishore/Tarun tier","SIDBI SMILE: Project report with detailed cost estimates and cash flow projections"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 2% (PSU banks often lower; NBFCs up to 3%)"},{"label":"CGTMSE Guarantee Fee (Annual)","value":"0.37% - 1.35% of loan amount (included in your loan cost; government-backed)"},{"label":"Mudra Card / Overdraft Fee","value":"No fee for basic Mudra loan; overdraft facility may carry annual charge"},{"label":"Prepayment Penalty","value":"Nil for most PSU bank MSME loans (policy-encouraged for small borrowers)"}],"relatedProducts":["https://loansgoteasy.com/loans/business-loan","https://loansgoteasy.com/loans/startup-loan","https://loansgoteasy.com/loans/gold-loan"]},{"name":"Startup Loan","slug":"startup-loan","url":"https://loansgoteasy.com/loans/startup-loan","summary":"Fund your idea before the revenue comes","description":"Startup loans in Hyderabad are the most complex to structure. DPIIT-registered startups (startupindia.gov.in) access SIDBI's STAR scheme (₹10L-₹1Cr) and CGTMSE backing. Hyderabad's T-Hub and WE Hub incubatees get preferential terms with partner lenders. Revenue-based loans are available for SaaS and D2C businesses with 6+ months of consistent MRR. For pre-revenue startups, strong promoter CIBIL and personal collateral remain the primary underwriting criteria.","indicativeRate":{"fromPercent":9.99,"toPercent":22,"unit":"percent per annum"},"amount":{"minINR":500000,"maxINR":20000000,"minDisplay":"₹5 lakh","maxDisplay":"₹2 Cr"},"tenure":{"minMonths":12,"maxMonths":60},"typicalApprovalTime":"5-14 working days","eligibility":["DPIIT startup recognition (startupindia.gov.in) - strongly recommended","Promoter CIBIL score ≥ 700 (personal guarantee required in most cases)","Business plan with 2-year financial projections (detailed, CA-reviewed)","T-Hub / WE Hub / NASSCOM / TASK or other incubator affiliation improves approval odds","At least 6 months of consistent revenue or confirmed customer contracts preferred","Pvt Ltd / LLP preferred (proprietorship limits loan options significantly)"],"documentsRequired":[{"category":"Startup and Company Documents","items":["DPIIT recognition certificate (from startupindia.gov.in)","Certificate of Incorporation (Pvt Ltd / LLP) from MCA","Memorandum and Articles of Association (MOA / AOA)","GST registration certificate (if applicable)","T-Hub / incubator membership certificate (if applicable)","Business plan with projected P&L, cash flows, and market sizing","Pitch deck (for SIDBI and venture debt providers)"]},{"category":"Promoter Documents","items":["Aadhaar and PAN of all founders / directors","Personal bank statement - last 12 months","Personal ITR - last 2 years","Educational qualification certificates (IIT/IIM background noted positively)"]},{"category":"Financial Documents","items":["Company bank statement - all accounts, last 6-12 months","MIS / management accounts (if not yet ITR-filing vintage)","Customer invoices / contracts / purchase orders (proof of revenue)","Existing loan documents or investor term sheets (if applicable)"]}],"feesAndCharges":[{"label":"Processing Fee","value":"1% - 2.5% (higher risk = higher processing cost)"},{"label":"CGTMSE Fee (if applicable)","value":"0.37% - 1.35% per annum of loan amount"},{"label":"Prepayment Charges","value":"2-4% within first 2 years; negotiable for DPIIT startups"},{"label":"Venture Debt Warrants","value":"Some venture debt providers take equity warrants (0.5-2% of company) instead of or in addition to rate"}],"relatedProducts":["https://loansgoteasy.com/loans/business-loan","https://loansgoteasy.com/loans/msme-loan","https://loansgoteasy.com/loans/loan-against-property"]},{"name":"Vehicle Loan","slug":"vehicle-loan","url":"https://loansgoteasy.com/loans/vehicle-loan","summary":"Drive home your new car or two-wheeler","description":"Vehicle loans in Hyderabad cover new cars, used cars, two-wheelers, and electric vehicles. New car loans start from 7.9% p.a., with SBI and Kotak Mahindra among the more keenly priced lenders in this segment. EV buyers get an additional 0.25-0.5% rate concession from most banks (SBI Green Car Loan from 7.9%). Used car rates start from 11% p.a. Most lenders finance 85-90% of the vehicle's on-road price. Two-wheeler loans start from 9.7% for Honda, Bajaj, and TVS vehicles.","indicativeRate":{"fromPercent":7.6,"toPercent":16,"unit":"percent per annum"},"amount":{"minINR":100000,"maxINR":10000000,"minDisplay":"₹1 lakh","maxDisplay":"₹1 Cr"},"tenure":{"minMonths":12,"maxMonths":84},"typicalApprovalTime":"Same day to 48 hours","eligibility":["Age 21-65 years (vehicle loan to close before 70 for some lenders)","Salaried: minimum monthly income ₹15,000-₹20,000","Self-employed: net annual income ≥ ₹2L from ITR (2 years)","CIBIL score ≥ 650 for new vehicles; ≥ 650 for used (700 preferred)","FOIR below 55% after adding proposed vehicle EMI","Valid driving licence (compulsory at time of disbursement)"],"documentsRequired":[{"category":"Identity and Address","items":["Aadhaar card","PAN card","Driving licence (mandatory)","Passport-size photographs (2)"]},{"category":"Income Documents","items":["Last 3 months salary slips (salaried)","Bank statement - last 6 months","Form 16 - last year (for larger loan amounts)","ITR with computation - last 2 years (self-employed)"]},{"category":"Vehicle Documents (New Car)","items":["Proforma invoice from authorised dealer (final on-road price)","Insurance quote (usually arranged by dealer)","Vehicle booking form / receipt from dealer"]},{"category":"Vehicle Documents (Used Car)","items":["RC Book (Registration Certificate) of the vehicle","Insurance policy (valid and active)","Form 35 - NOC from existing financier (if vehicle has running loan)","Vehicle valuation report from bank-approved valuator","Vehicle inspection report (some lenders require)"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 1% of loan amount (often waived in dealer-bank tie-ups)"},{"label":"Prepayment Charges","value":"0% after 6 months (most banks); 2-3% within 6 months"},{"label":"Foreclosure Charges","value":"Usually nil after 12 months for new car loans"},{"label":"Stamp Duty (Hypothecation)","value":"₹1,000-₹2,000 (state-specific; vehicle is hypothecated to lender)"},{"label":"Re-possession Charges","value":"Applicable on default; vehicle is the collateral"}],"relatedProducts":["https://loansgoteasy.com/loans/personal-loan","https://loansgoteasy.com/loans/gold-loan","https://loansgoteasy.com/loans/balance-transfer"]},{"name":"Gold Loan","slug":"gold-loan","url":"https://loansgoteasy.com/loans/gold-loan","summary":"Instant cash against your gold - no credit score needed","description":"Gold loans in Hyderabad are the fastest, simplest way to access cash. No credit score check, no income proof, no business vintage - just bring your gold jewellery or coins and walk out with cash in 30-60 minutes. Muthoot Finance and Manappuram have 100+ branches in Hyderabad combined. LTV is capped at 75% of gold value by regulations. Gold rate used for calculation is the 30-day average IBJA price. Interest-only repayment options make gold loans popular for short-term business working capital.","indicativeRate":{"fromPercent":8.55,"toPercent":24,"unit":"percent per annum"},"amount":{"minINR":10000,"maxINR":10000000,"minDisplay":"₹10,000","maxDisplay":"₹1 Cr"},"tenure":{"minMonths":3,"maxMonths":36},"typicalApprovalTime":"30-60 minutes","eligibility":["Gold purity: 18 karat to 24 karat (22K most common for jewellery)","Minimum gold weight: 10 grams (some lenders: 5 grams)","Age: 18 to 70 years","No minimum income or CIBIL score required","Gold must be in physical form (jewellery, coins, bars)","Gold coins and bars: most banks cap at ₹50,000 under central bank guidelines; NBFCs accept more"],"documentsRequired":[{"category":"Identity Documents","items":["Aadhaar card (mandatory for all gold loans)","PAN card (mandatory for loans above ₹50,000 - Income Tax rule)","Passport-size photograph (1-2)","Any additional KYC if lender requires (Voter ID, Driving Licence)"]},{"category":"Gold Ownership Proof (if requested)","items":["Original purchase bill or receipt (for large quantities above 500g - some lenders ask)","Inheritance affidavit (if inherited gold - simple self-declaration usually sufficient)","No minimum ownership proof required for jewellery below 500g at most lenders"]}],"feesAndCharges":[{"label":"Processing / Documentation Fee","value":"₹200 - ₹1,000 (flat fee at most NBFCs; banks may charge 0.25%)"},{"label":"Interest Rate","value":"7.5% - 26% depending on LTV and repayment scheme"},{"label":"Auction Charges (on default)","value":"Applicable if you fail to repay - lender auctions gold after notice period"},{"label":"Foreclosure Charges","value":"Usually nil - gold loans are short-term; full repayment anytime"},{"label":"Gold Appraisal / Assay Fee","value":"Nil at Muthoot and Manappuram; ₹100-₹500 at some banks"},{"label":"Safe Custody / Vault Charges","value":"Included in interest rate; gold stored in secure vaults"}],"relatedProducts":["https://loansgoteasy.com/loans/personal-loan","https://loansgoteasy.com/loans/msme-loan","https://loansgoteasy.com/loans/vehicle-loan"]},{"name":"Education Loan","slug":"education-loan","url":"https://loansgoteasy.com/loans/education-loan","summary":"Invest in your future, repay after placement","description":"Education loans in Hyderabad cover domestic courses (engineering, medicine, MBA, CA) and international studies (USA, UK, Canada, Australia, Germany). Loans up to ₹7.5L need no collateral. Above ₹7.5L, property collateral or a guarantor is required. IIT/NIT/IIM/ISB admissions attract preferential rates from SBI and Bank of Baroda. The Central Government's CGFSEL scheme covers moratorium-period interest for students from EWS families (income below ₹4.5L p.a.).","indicativeRate":{"fromPercent":8.25,"toPercent":14,"unit":"percent per annum"},"amount":{"minINR":50000,"maxINR":15000000,"minDisplay":"₹50,000","maxDisplay":"₹1.50 Cr"},"tenure":{"minMonths":12,"maxMonths":180},"typicalApprovalTime":"3-7 working days","eligibility":["Confirmed admission letter / offer letter from recognised institution (most critical document)","Student age 16-35 years (co-applicant - parent/guardian - is primary borrower below age 18)","Co-applicant (parent/guardian) mandatory; must have regular income","Co-applicant CIBIL ≥ 650 (700 preferred for larger loans)","Above ₹7.5L: tangible collateral (property, FD, NSC, LIC policy) or third-party guarantee","Private lenders (Credila, Avanse) may waive collateral up to ₹30-40L for IIT/IIM/ISB admittees"],"documentsRequired":[{"category":"Student Documents","items":["Admission letter / conditional offer letter from institution (mandatory)","10th standard marksheet and certificate","12th standard marksheet and certificate","Graduation marksheet (if applying for post-graduation loan)","Entrance exam scores: JEE / NEET (domestic) or GRE / GMAT / IELTS / TOEFL (abroad)","Passport - valid for entire study duration (mandatory for abroad studies)","Visa approval copy (submitted before disbursement; not needed at application stage)","I-20 (USA) / CAS (UK) / offer letter from foreign university (for abroad)","Cost of attendance breakdown from institution (tuition + living + books + insurance)"]},{"category":"Co-applicant (Parent or Guardian) Documents","items":["Aadhaar card and PAN card","Salary slips - last 3 months (salaried co-applicant)","ITR with computation - last 2 years (self-employed co-applicant)","Bank statement - last 6 months","Form 16 - last 2 years (for salaried)"]},{"category":"Collateral Documents (Loans Above ₹7.5L)","items":["Property: title deed, encumbrance certificate, approved plan, property tax receipts","Fixed Deposit: FD receipt in name of co-applicant (lien marked in favour of bank)","LIC Policy: original policy document + assignment form","NSC / KVP: original certificates (assigned to bank)"]}],"feesAndCharges":[{"label":"Processing Fee","value":"Nil at most PSU banks (SBI, Bank of Baroda); 0.5-1.5% at private lenders"},{"label":"Prepayment Charges","value":"Nil at most banks for floating rate education loans"},{"label":"Penal Interest on Default","value":"2-3% above normal rate on overdue amount"},{"label":"Insurance (Optional)","value":"Some banks offer loan-linked life insurance for the student; highly recommended"}],"relatedProducts":["https://loansgoteasy.com/loans/personal-loan","https://loansgoteasy.com/loans/home-loan","https://loansgoteasy.com/loans/msme-loan"]},{"name":"Loan Against Property","slug":"loan-against-property","url":"https://loansgoteasy.com/loans/loan-against-property","summary":"Unlock the value in your property at lower rates","description":"Loan Against Property (LAP) lets you borrow 50-65% of your property's market value at rates much lower than personal or business loans (9-15% vs 14-24%). Both residential and commercial properties in Hyderabad are accepted. Approved GHMC/HMDA/DTCP structures get the best valuation. The loan process involves two key steps: legal verification (7-10 days) and technical valuation (2-3 days). Banks use their empanelled lawyers and valuers for both. For complex or high-value properties, the full process may take 15-21 working days.","indicativeRate":{"fromPercent":8.99,"toPercent":16,"unit":"percent per annum"},"amount":{"minINR":1000000,"maxINR":100000000,"minDisplay":"₹10 lakh","maxDisplay":"₹10 Cr"},"tenure":{"minMonths":24,"maxMonths":240},"typicalApprovalTime":"7-15 working days","eligibility":["Property must be in your name or jointly owned (co-applicant must be co-borrower)","Property must be free from any existing mortgage or encumbrance","GHMC / HMDA / DTCP approved structure mandatory for Hyderabad properties","LTV: residential property up to 65%; commercial property up to 55%; industrial up to 50%","CIBIL score ≥ 680 for banks; some NBFCs accept 650","Income sufficient to service EMI: FOIR below 60% (more relaxed than personal loans)","Minimum property value: ₹15-20L (varies by lender; NBFCs lower)"],"documentsRequired":[{"category":"Property Documents","items":["Title deed chain covering at least 13 years of ownership history (ideally 30 years)","Encumbrance certificate (EC) from sub-registrar office confirming no existing mortgage","GHMC / HMDA / DTCP approved building plan","Property tax receipts - last 3 years (confirms possession and ownership)","Latest electricity bill (confirms current occupancy)","NOC from housing society / apartment association (if applicable)","Original sale deed in your name (registered at sub-registrar)","Prior title documents (chain of ownership - parent deed, grandparent deed)"]},{"category":"Income Documents","items":["Salaried: last 3 months salary slips + 6-month bank statement + Form 16","Self-employed: 2-year ITR with CA computation + 12-month bank statement + P&L","Business registration proof (for self-employed / business owners)"]},{"category":"Identity Documents","items":["Aadhaar card and PAN card (all applicants and co-applicants)","Passport-size photographs"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 1.5% of loan amount"},{"label":"Property Valuation Fee","value":"₹5,000 - ₹20,000 (non-refundable; payable before inspection)"},{"label":"Legal Verification Fee","value":"₹5,000 - ₹20,000 (non-refundable even if loan is declined)"},{"label":"Stamp Duty on MODT (Telangana)","value":"0.5% of loan amount paid to state government"},{"label":"Prepayment / Foreclosure","value":"Zero for floating-rate LAP (regulatory mandate for individual borrowers)"},{"label":"Part-payment Allowed","value":"Most lenders allow 1-2 free part-payments per year; some charge 2-3%"}],"relatedProducts":["https://loansgoteasy.com/loans/home-loan","https://loansgoteasy.com/loans/business-loan","https://loansgoteasy.com/loans/balance-transfer"]},{"name":"Construction Loan","slug":"construction-loan","url":"https://loansgoteasy.com/loans/construction-loan","summary":"Build your home, pay only for what is disbursed","description":"Construction loans in Hyderabad are for building on land you already own. The loan is disbursed in tranches as construction progresses - you pay interest only on the amount disbursed, not the full sanctioned amount. This is a significant cost advantage over taking a personal loan for construction. Requires a GHMC/HMDA-approved building plan (not just a layout). Self-construction by a licensed contractor is preferred - turnkey builders can execute directly. The total cost including land, construction, and interior should not exceed ₹5Cr for most bank products.","indicativeRate":{"fromPercent":7.5,"toPercent":12,"unit":"percent per annum"},"amount":{"minINR":500000,"maxINR":50000000,"minDisplay":"₹5 lakh","maxDisplay":"₹5 Cr"},"tenure":{"minMonths":24,"maxMonths":240},"typicalApprovalTime":"7-12 working days","eligibility":["Land must be in your name (or co-applicant's name); registered sale deed required","GHMC / HMDA / DTCP approved building plan and layout approval mandatory","Land must not have any existing mortgage or encumbrance","CIBIL score ≥ 700","Salaried: monthly income ≥ ₹40,000; self-employed: ITR income ≥ ₹5L p.a.","Total project cost estimate by architect / licensed contractor required"],"documentsRequired":[{"category":"Land and Plan Documents","items":["Land title deed - registered sale deed in your name","Encumbrance certificate (EC) for land confirming clear title","GHMC / HMDA approved building plan (approved by competent authority, not just layout)","Plot approved layout from HMDA/DTCP (if layout-based plot)","Building permit / commencement certificate from GHMC","Architect / structural engineer certificate (some lenders require)","Cost estimate from licensed contractor (detailed room-by-room estimate)"]},{"category":"Income Documents","items":["Salaried: last 3 months salary slips + 6-month bank statement + Form 16","Self-employed: 2-year ITR with CA computation + 12-month bank statement + P&L"]},{"category":"Identity Documents","items":["Aadhaar card and PAN card (all applicants)","Passport-size photographs"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.25% - 0.5% of sanctioned amount"},{"label":"Technical Inspection Fee (Per Tranche)","value":"₹1,000 - ₹3,000 per visit (lender sends inspector before each disbursement)"},{"label":"MODT Stamp Duty (Telangana)","value":"0.5% of sanctioned loan amount"},{"label":"Prepayment / Foreclosure","value":"Zero for floating-rate construction loans (regulatory mandate)"}],"relatedProducts":["https://loansgoteasy.com/loans/home-loan","https://loansgoteasy.com/loans/loan-against-property","https://loansgoteasy.com/loans/msme-loan"]},{"name":"Corporate Loan","slug":"corporate-loan","url":"https://loansgoteasy.com/loans/corporate-loan","summary":"Working capital and expansion for established companies","description":"Corporate loans in Hyderabad for private limited companies, LLPs, and public companies cover working capital lines (cash credit, overdraft), term loans for machinery and expansion, project finance, and supply chain financing. Loan amounts start from ₹1Cr. Credit assessment is driven by audited financials, banker's credit rating (CIBIL Commercial or CRISIL), and DSCR (Debt Service Coverage Ratio). Companies with turnover above ₹10Cr and 3+ years of audited financials get the most competitive rates.","indicativeRate":{"fromPercent":9,"toPercent":14,"unit":"percent per annum"},"amount":{"minINR":10000000,"maxINR":500000000,"minDisplay":"₹1 Cr","maxDisplay":"₹50 Cr"},"tenure":{"minMonths":12,"maxMonths":120},"typicalApprovalTime":"10-21 working days","eligibility":["Private Ltd / Public Ltd / LLP with minimum 3 years of operation","Annual turnover ≥ ₹5Cr (most banks); some NBFCs accept ₹2Cr+","Audited financials for at least 2-3 years (CA-audited, mandatory)","Positive net worth (not technically insolvent)","DSCR (Debt Service Coverage Ratio) ≥ 1.25 (income covers 1.25x debt obligations)","Company CIBIL commercial report clean; directors CIBIL ≥ 700"],"documentsRequired":[{"category":"Company Legal and Registration Documents","items":["Certificate of Incorporation (COI) from MCA","Memorandum and Articles of Association (MOA and AOA)","Board Resolution authorising the loan application and signatory","List of directors with DIN numbers","GST registration certificate","Shop and Establishment licence (if applicable)","MCA21 annual filings - last 3 years (Form 20B, 21A, 23AC etc.)"]},{"category":"Financial Documents","items":["Audited Balance Sheet + P&L Account - last 3 years (CA-audited with signed audit report)","GST returns - GSTR-1 and GSTR-3B - last 12 months","Bank statements - all company accounts - last 12 months","DSCR computation worksheet (debt service coverage ratio)","Existing loan sanction letters and repayment schedules","CA certificate of net worth"]},{"category":"Director and Promoter Documents","items":["Aadhaar and PAN of all directors / partners","Personal bank statements - last 6 months","Personal ITR - last 2 years (for personal guarantee)","Personal CIBIL report (directors providing personal guarantee)"]},{"category":"Collateral and Security Documents","items":["Property title deeds for collateral (if secured loan - title, EC, approved plan)","Plant and machinery list with book value and market value","Stock audit report (for working capital / cash credit against inventory)","Debtors/receivables statement (for invoice discounting or receivables-based WC)"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 1.5% of sanctioned limit (negotiable for large amounts)"},{"label":"Commitment Charges","value":"0.5% per annum on undrawn portion of working capital limit"},{"label":"Stamping and MOD Charges","value":"State-specific; 0.1-0.5% of loan amount for mortgage deed"},{"label":"Stock / Receivables Audit Fee","value":"₹20,000 - ₹1,00,000 per audit (charged to borrower for WC limits)"},{"label":"Annual Review Fee","value":"Working capital limits are reviewed annually; renewal processing fee may apply"}],"relatedProducts":["https://loansgoteasy.com/loans/business-loan","https://loansgoteasy.com/loans/loan-against-property","https://loansgoteasy.com/loans/msme-loan"]},{"name":"Home Loan Balance Transfer","slug":"balance-transfer","url":"https://loansgoteasy.com/loans/balance-transfer","summary":"Save lakhs by switching your home loan to a lower rate","description":"A home loan balance transfer moves your existing loan to a new lender at a lower interest rate. With policy repo rate cuts since 2024, many borrowers are stuck with old rates above 9.5-10%. Switching to 8.5-8.75% can save ₹3-8L on a ₹50L outstanding over the remaining tenure. The transfer involves prepaying your old lender (zero foreclosure charge on floating-rate home loans - regulatory mandate) and the new lender takes over the mortgage. The entire process takes 5-10 working days with complete documents.","indicativeRate":{"fromPercent":7.15,"toPercent":10.5,"unit":"percent per annum"},"amount":{"minINR":500000,"maxINR":150000000,"minDisplay":"₹5 lakh","maxDisplay":"₹15 Cr"},"tenure":{"minMonths":12,"maxMonths":360},"typicalApprovalTime":"5-10 working days","eligibility":["Existing home loan with at least 12 EMIs paid without default","No delayed payments (NPA or bounce) in last 12 months","CIBIL score ≥ 700 (750 preferred for the most competitive transfer rates)","Remaining loan tenure of at least 5 years (shorter remaining tenure reduces savings)","Outstanding loan amount ≥ ₹10L (smaller amounts have high transfer cost relative to savings)","Property title must be clear - same legal standards as a fresh home loan"],"documentsRequired":[{"category":"Existing Loan Documents","items":["Loan account statement - last 12 months (showing outstanding balance)","Original sanction letter from current lender","Repayment track record / schedule from current lender","NOC / foreclosure letter from current lender (obtained after new lender sanctions)","List of original documents held by current lender"]},{"category":"Property Documents","items":["Original title documents held by current lender (transferred to new lender at closure)","Latest property tax receipt","Encumbrance certificate (fresh - from sub-registrar; confirms mortgage with old bank)","GHMC / HMDA approved building plan (if not already verified by new lender)"]},{"category":"Income Documents","items":["Latest 3 months salary slips or current-year ITR","6-month bank statement (salary/business account)","Form 16 - latest year"]}],"feesAndCharges":[{"label":"Processing Fee (New Lender)","value":"0.25% - 0.5% of outstanding loan amount"},{"label":"Legal Verification Fee (New Lender)","value":"₹5,000 - ₹15,000 (non-refundable)"},{"label":"Technical Valuation Fee (New Lender)","value":"₹3,000 - ₹10,000 (may be waived for balance transfers)"},{"label":"Foreclosure Charge (Old Lender)","value":"ZERO for floating rate home loans - regulatory mandate since 2014"},{"label":"MODT Cancellation (Old Lender State)","value":"₹1,000 - ₹5,000 stamp duty for releasing mortgage at sub-registrar"},{"label":"New MODT at New Lender","value":"0.5% of new loan amount (Telangana stamp duty - significant cost to factor in)"}],"relatedProducts":["https://loansgoteasy.com/loans/home-loan","https://loansgoteasy.com/loans/loan-against-property","https://loansgoteasy.com/loans/personal-loan"]},{"name":"Machinery Loan","slug":"machinery-loan","url":"https://loansgoteasy.com/loans/machinery-loan","summary":"Finance the equipment that raises your capacity","description":"A machinery loan funds plant, equipment, tooling and testing rigs against the asset itself, which is why it is usually cheaper than an unsecured business loan of the same size. The machine is hypothecated to the lender, so the funding decision turns on the quotation, the supplier and whether your cash flows service the EMI - not only on your credit score. Most lenders fund 70-85% of the invoice value and expect you to bring the balance as margin. For Udyam-registered units in Hyderabad, CGTMSE cover can remove the collateral requirement beyond the machine on loans up to ₹2 crore. Rates and the funded percentage are the lender's decision and vary widely between a public sector bank and an NBFC.","indicativeRate":{"fromPercent":8.5,"toPercent":18,"unit":"percent per annum"},"amount":{"minINR":100000,"maxINR":50000000,"minDisplay":"₹1 lakh","maxDisplay":"₹5 Cr"},"tenure":{"minMonths":12,"maxMonths":84},"typicalApprovalTime":"5-12 working days","eligibility":["Operating business with 2-3 years vintage (some NBFCs consider 1 year with strong banking)","Udyam / MSME registration - needed for CGTMSE cover and scheme pricing","Proforma invoice or quotation from the machinery supplier","GST returns and bank statements showing the cash flow to service the EMI","Proprietor / director CIBIL 700+ for bank pricing; NBFCs consider lower at a higher rate","Margin contribution of typically 15-30% of the machine cost"],"documentsRequired":[{"category":"Machine and Supplier Documents","items":["Proforma invoice or quotation from the supplier (mandatory - the loan is against this)","Supplier profile and, for imported machines, the import documentation","Technical specification and expected useful life of the machine","Installation site details - owned, leased or rented premises proof"]},{"category":"Business Documents","items":["Udyam Registration Certificate","GST registration and last 12 months GST returns","Business registration proof (Shop Act / Partnership deed / COI)","Audited financials - last 2-3 years","Current bank statements - last 12 months, all accounts"]},{"category":"Promoter Documents","items":["Aadhaar and PAN of proprietor / partners / directors","Personal ITR - last 2 years","Existing loan sanction letters and repayment track record"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 2% of the loan amount"},{"label":"CGTMSE Fee (if availed)","value":"0.37% - 1.35% per annum of the guaranteed amount"},{"label":"Margin / Own Contribution","value":"Typically 15% - 30% of the machine cost"},{"label":"Prepayment Charges","value":"Nil to 4%; often nil on floating rate for MSME borrowers"}],"relatedProducts":["https://loansgoteasy.com/loans/msme-loan","https://loansgoteasy.com/loans/business-loan","https://loansgoteasy.com/loans/equipment-finance"]},{"name":"Equipment Finance","slug":"equipment-finance","url":"https://loansgoteasy.com/loans/equipment-finance","summary":"Asset-backed funding for business equipment","description":"Equipment finance covers the assets a business needs that are not production machinery - IT hardware, kitchen and refrigeration equipment, printing and packaging lines, diagnostic devices, furniture and fit-outs, generators and material handling gear. The structure mirrors a machinery loan: the asset is hypothecated, the lender funds a percentage of the invoice, and you bring the balance as margin. Where the equipment depreciates quickly, as IT hardware does, lenders shorten the tenure to stay inside the useful life. Leasing is sometimes the better answer than borrowing, particularly for assets you will replace in three years, and that comparison is worth making before you sign a loan.","indicativeRate":{"fromPercent":8.5,"toPercent":18,"unit":"percent per annum"},"amount":{"minINR":100000,"maxINR":50000000,"minDisplay":"₹1 lakh","maxDisplay":"₹5 Cr"},"tenure":{"minMonths":12,"maxMonths":84},"typicalApprovalTime":"5-12 working days","eligibility":["Operating business with 1-3 years vintage depending on the lender","Udyam / MSME registration for CGTMSE cover and scheme pricing","Supplier quotation for the equipment being financed","GST returns and 12 months of bank statements","Proprietor / director CIBIL 700+ for bank pricing","Margin contribution typically 15-30% of the equipment cost"],"documentsRequired":[{"category":"Equipment and Supplier Documents","items":["Proforma invoice or quotation from the supplier","Equipment specification and expected useful life","Annual maintenance contract terms, where the supplier offers one","Premises proof for where the equipment will be installed"]},{"category":"Business Documents","items":["Udyam Registration Certificate","GST registration and last 12 months returns","Business registration proof (Shop Act / Partnership deed / COI)","Audited financials - last 2 years","Bank statements - last 12 months"]},{"category":"Promoter Documents","items":["Aadhaar and PAN of proprietor / partners / directors","Personal ITR - last 2 years","Existing loan sanction letters, if any"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 2% of the loan amount"},{"label":"CGTMSE Fee (if availed)","value":"0.37% - 1.35% per annum of the guaranteed amount"},{"label":"Margin / Own Contribution","value":"Typically 15% - 30% of equipment cost"},{"label":"Prepayment Charges","value":"Nil to 4% depending on lender and rate type"}],"relatedProducts":["https://loansgoteasy.com/loans/machinery-loan","https://loansgoteasy.com/loans/msme-loan","https://loansgoteasy.com/loans/business-loan"]},{"name":"Working Capital Loan","slug":"working-capital-loan","url":"https://loansgoteasy.com/loans/working-capital-loan","summary":"Fund the gap between paying suppliers and getting paid","description":"Working capital finance covers the cash trapped in your operating cycle - stock on the shelf and invoices raised but unpaid. It is normally structured as a cash credit or overdraft limit rather than a term loan: the bank sanctions a limit, you draw and repay as needed, and interest is charged only on what you actually use. The limit is not a lump sum. Your usable amount at any moment is the drawing power, recalculated from your stock and receivables statements after the bank applies its margin, which is why a sanctioned limit and an available limit are often different numbers. Limits are usually renewed annually against fresh financials. Rates depend on the lender, your rating and the security offered.","indicativeRate":{"fromPercent":8,"toPercent":18,"unit":"percent per annum"},"amount":{"minINR":100000,"maxINR":100000000,"minDisplay":"₹1 lakh","maxDisplay":"₹10 Cr"},"tenure":{"minMonths":12,"maxMonths":12},"typicalApprovalTime":"7-15 working days","eligibility":["Operating business with 2-3 years vintage and audited financials","Udyam / MSME registration for CGTMSE cover and priority sector pricing","GST returns demonstrating consistent turnover","Stock and receivables that can be verified and charged to the bank","Proprietor / director CIBIL 700+ for bank pricing","Collateral commonly required above CGTMSE-covered limits"],"documentsRequired":[{"category":"Business and Financial Documents","items":["Audited financials - last 3 years with schedules","Provisional financials for the current year","GST returns - last 12 months","Bank statements - last 12 months, all accounts","Projected turnover and working capital assessment for the coming year"]},{"category":"Stock and Receivables","items":["Current stock statement with ageing","Debtors list with ageing (needed monthly once the limit is live)","Creditors list with ageing","Major customer and supplier contracts or purchase orders"]},{"category":"Entity and Security Documents","items":["Udyam Registration Certificate and GST registration","Business registration proof and, for companies, MOA / AOA","Property documents where collateral is being offered","Existing sanction letters from other lenders"]}],"feesAndCharges":[{"label":"Processing / Renewal Fee","value":"0.25% - 1.5% of the limit, charged at sanction and again at annual renewal"},{"label":"Interest Basis","value":"Charged monthly on the amount utilised, not on the sanctioned limit"},{"label":"CGTMSE Fee (if availed)","value":"0.37% - 1.35% per annum of the guaranteed amount"},{"label":"Non-utilisation / Commitment Charge","value":"Some lenders charge on a persistently unused limit - confirm at sanction"},{"label":"Stock Audit Charges","value":"Applicable on larger limits, typically annual and borne by the borrower"}],"relatedProducts":["https://loansgoteasy.com/loans/business-loan","https://loansgoteasy.com/loans/msme-loan","https://loansgoteasy.com/loans/machinery-loan"]},{"name":"Agriculture Loan","slug":"agriculture-loan","url":"https://loansgoteasy.com/loans/agriculture-loan","summary":"Crop, equipment and allied activity finance for farmers","description":"Agricultural credit splits into short-term crop finance and longer-term investment finance. Short-term needs - seed, fertiliser, labour, fuel - are met through the Kisan Credit Card, a revolving limit you draw against through the season and repay after harvest. Investment finance funds land development, irrigation, farm structures, equipment and allied activities such as dairy or horticulture, and is repaid over years rather than one season. The KCC route carries central government interest support: as approved for FY 2025-26, a 1.5% interest subvention applies to short-term crop loans up to ₹3 lakh, and a further 3% prompt repayment incentive brings the effective rate to 4% for farmers who repay on time. Telangana and Andhra Pradesh both operate additional state-level support that changes from year to year.","indicativeRate":{"fromPercent":7,"toPercent":14,"unit":"percent per annum"},"amount":{"minINR":25000,"maxINR":20000000,"minDisplay":"₹25,000","maxDisplay":"₹2 Cr"},"tenure":{"minMonths":12,"maxMonths":180},"typicalApprovalTime":"7-21 working days","eligibility":["Farmer - owner cultivator, tenant farmer, oral lessee or sharecropper depending on the product","Land records establishing cultivation rights (pattadar passbook / Bhu Bharati, formerly Dharani, or AP land records extract)","Self Help Group and Joint Liability Group members are eligible for several products","Allied activity borrowers - dairy, poultry, fisheries, horticulture - eligible without crop land in some products","No collateral for KCC limits up to ₹2 lakh","Existing loan repayment record with cooperatives and banks is checked"],"documentsRequired":[{"category":"Land and Identity Documents","items":["Pattadar passbook / title deed / Bhu Bharati record, formerly Dharani (Telangana) or AP land records extract","Aadhaar and PAN","Recent passport-size photographs","Proof of cultivation rights for tenant farmers or oral lessees"]},{"category":"Crop and Activity Documents","items":["Cropping pattern and area under each crop","Project report for investment loans - dairy unit, irrigation, farm structure or equipment","Quotation for equipment or civil work being financed","Existing KCC or agricultural loan details, if any"]},{"category":"Banking Documents","items":["Bank account statement","Crop insurance details under PMFBY, where enrolled","No-dues certificate from the cooperative society, where applicable"]}],"feesAndCharges":[{"label":"Processing Fee","value":"Commonly nil or nominal on small KCC limits; charged on larger investment loans"},{"label":"Interest Subvention (KCC)","value":"1.5% to banks on short-term crop loans up to ₹3 lakh, as approved for FY 2025-26"},{"label":"Prompt Repayment Incentive","value":"3% to the farmer on timely repayment, taking the effective rate to 4%"},{"label":"Collateral","value":"Not required for KCC limits up to ₹2 lakh"},{"label":"Insurance","value":"Crop insurance premium under PMFBY, where the crop and area are notified"}],"relatedProducts":["https://loansgoteasy.com/loans/tractor-loan","https://loansgoteasy.com/loans/dairy-poultry-loan","https://loansgoteasy.com/loans/gold-loan"]},{"name":"Tractor Loan","slug":"tractor-loan","url":"https://loansgoteasy.com/loans/tractor-loan","summary":"Finance a tractor against the asset and your land","description":"A tractor loan is a secured term loan where the tractor is hypothecated to the lender, and it is one of the more accessible forms of rural credit because the asset is standardised and easy to value. Lenders commonly fund 75-90% of the on-road cost, with the balance as your margin, over tenures that usually run three to seven years and are set to align with harvest cycles rather than calendar months. Most lenders expect a minimum land holding, which varies between lenders, and a larger holding often improves both the funded percentage and the rate. Rates vary widely between public sector banks and NBFCs, and the lender prices the loan on your land record, repayment history and the model being purchased.","indicativeRate":{"fromPercent":8.8,"toPercent":20,"unit":"percent per annum"},"amount":{"minINR":100000,"maxINR":3000000,"minDisplay":"₹1 lakh","maxDisplay":"₹30 lakh"},"tenure":{"minMonths":12,"maxMonths":84},"typicalApprovalTime":"5-15 working days","eligibility":["Agricultural land holding in the applicant's name - the minimum expected varies by lender","Age 18-65 at loan maturity","Land records - pattadar passbook / Bhu Bharati, formerly Dharani (Telangana) or AP land records extract","Demonstrable income from farming or allied activity to service the instalment","Clean repayment record on existing agricultural loans","Margin contribution of typically 10-25% of the on-road price"],"documentsRequired":[{"category":"Land and Identity Documents","items":["Pattadar passbook / Bhu Bharati record, formerly Dharani, or AP land records extract","Aadhaar and PAN","Passport-size photographs","Address proof"]},{"category":"Tractor and Purchase Documents","items":["Proforma invoice from the authorised tractor dealer","Model and specification details","Quotation for any implements being financed alongside"]},{"category":"Income and Banking Documents","items":["Bank statement - last 6-12 months","Details of crops grown and area under cultivation","Existing loan details, including any KCC limit","Income proof from allied activities, where relevant"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 2% of the loan amount"},{"label":"Margin / Own Contribution","value":"Typically 10% - 25% of the on-road price"},{"label":"Hypothecation and RTO Charges","value":"At actuals, for endorsing the lender's charge on the registration"},{"label":"Insurance","value":"Comprehensive tractor insurance, usually mandatory through the tenure"},{"label":"Prepayment Charges","value":"Nil to 5% depending on lender and how early you close"}],"relatedProducts":["https://loansgoteasy.com/loans/agriculture-loan","https://loansgoteasy.com/loans/commercial-vehicle-loan","https://loansgoteasy.com/loans/dairy-poultry-loan"]},{"name":"Commercial Vehicle Loan","slug":"commercial-vehicle-loan","url":"https://loansgoteasy.com/loans/commercial-vehicle-loan","summary":"Finance trucks, buses and light commercial vehicles","description":"A commercial vehicle loan funds a vehicle that earns money - a truck, tipper, bus, tempo or light commercial vehicle - and the lender underwrites the earning capacity as much as the borrower. That distinction matters. A first-time buyer with no fleet history is a different proposition from an operator with ten vehicles and established route contracts, and the rate gap between them is wide. Lenders commonly fund 75-90% of the chassis and body cost, over tenures of three to five years, with the vehicle hypothecated and the lender's charge endorsed on the registration certificate. Rates depend heavily on the operator category, the vehicle type and whether you hold a transport contract. Used commercial vehicle finance is a large and well-developed market in its own right.","indicativeRate":{"fromPercent":9,"toPercent":22,"unit":"percent per annum"},"amount":{"minINR":200000,"maxINR":50000000,"minDisplay":"₹2 lakh","maxDisplay":"₹5 Cr"},"tenure":{"minMonths":12,"maxMonths":84},"typicalApprovalTime":"3-12 working days","eligibility":["Age 21-65, with a valid commercial driving licence where the applicant will drive","Existing operators - vehicle ownership and route or contract details","First-time buyers - typically 2 years of stable employment or business, and stricter margin","Fleet operators - existing vehicle repayment record and fleet documentation","CIBIL 650+ for bank pricing; NBFCs consider lower profiles at higher rates","Address stability at the current location is commonly checked"],"documentsRequired":[{"category":"Vehicle and Purchase Documents","items":["Proforma invoice from the authorised dealer, chassis and body separately where applicable","Vehicle specification, model and intended use","Body builder quotation, where the body is built separately","For used vehicles - RC, insurance, valuation and existing hypothecation status"]},{"category":"Operator Documents","items":["Commercial driving licence, where the applicant drives","Existing RC copies for all vehicles owned","Transport or route contracts, and load agreements where held","Permit and fitness certificates for the existing fleet"]},{"category":"Financial and KYC Documents","items":["Aadhaar and PAN","Bank statements - last 6-12 months","ITR - last 2 years where filed","Existing loan sanction letters and repayment track record"]}],"feesAndCharges":[{"label":"Processing Fee","value":"1% - 3% of the loan amount"},{"label":"Margin / Own Contribution","value":"Typically 10% - 25%; higher for first-time buyers"},{"label":"Hypothecation and RTO Charges","value":"At actuals"},{"label":"Insurance","value":"Comprehensive commercial vehicle insurance, mandatory through the tenure"},{"label":"Foreclosure Charges","value":"Typically 3% - 6% of the outstanding, varying by lender and timing"}],"relatedProducts":["https://loansgoteasy.com/loans/vehicle-loan","https://loansgoteasy.com/loans/business-loan","https://loansgoteasy.com/loans/tractor-loan"]},{"name":"Professional Loan","slug":"professional-loan","url":"https://loansgoteasy.com/loans/professional-loan","summary":"Credit priced on your qualification, not just your balance sheet","description":"A professional loan is an unsecured facility for qualified practitioners - doctors, chartered accountants, company secretaries, architects, lawyers and similar - where the lender underwrites the degree and the practice rather than collateral. The qualification itself carries weight, because a practising professional has a durable, portable income that lenders treat as lower risk than a comparable trading business. That usually shows up as a lower rate and lighter documentation than a general unsecured business loan of the same size. Funds are commonly used for clinic or office setup, equipment, practice expansion or working capital. Lenders differ substantially on which qualifications they recognise and on how much practice vintage they require.","indicativeRate":{"fromPercent":9.5,"toPercent":18,"unit":"percent per annum"},"amount":{"minINR":100000,"maxINR":7500000,"minDisplay":"₹1 lakh","maxDisplay":"₹75 lakh"},"tenure":{"minMonths":12,"maxMonths":84},"typicalApprovalTime":"2-7 working days","eligibility":["Recognised professional qualification with a valid registration or membership number","Doctors - MBBS, BDS, MD, MS or equivalent with the relevant council registration","CA, CS, CMA - membership of the respective institute in practice","Architects, lawyers and other recognised professions, depending on the lender's list","Practice vintage typically 2-3 years, though some lenders lend to fresh practitioners at lower amounts","CIBIL 700+ for competitive pricing"],"documentsRequired":[{"category":"Qualification and Registration","items":["Degree certificate for the professional qualification","Council or institute registration certificate with membership number","Certificate of practice, where the profession issues one","Clinic, chamber or office establishment proof"]},{"category":"Income Documents","items":["ITR with computation - last 2-3 years","Profit and loss account and balance sheet, where the practice is the income source","Form 16 for salaried professionals with a consulting practice alongside","Bank statements - last 6-12 months, personal and practice accounts"]},{"category":"KYC Documents","items":["Aadhaar and PAN","Address proof for residence and practice premises","Passport-size photographs","Existing loan sanction letters, if any"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 2% of the loan amount; often lower for doctors"},{"label":"Prepayment Charges","value":"Nil to 4%; many lenders allow part-payment after 6-12 EMIs"},{"label":"Collateral","value":"Typically none - the loan is unsecured against the practice income"},{"label":"Late Payment Charges","value":"2% - 3% per month on the overdue amount"}],"relatedProducts":["https://loansgoteasy.com/loans/business-loan","https://loansgoteasy.com/loans/medical-equipment-loan","https://loansgoteasy.com/loans/personal-loan"]},{"name":"Medical Equipment Loan","slug":"medical-equipment-loan","url":"https://loansgoteasy.com/loans/medical-equipment-loan","summary":"Fund diagnostic and clinical equipment against the asset","description":"Medical equipment finance funds the devices a clinic, diagnostic centre or hospital runs on - from a dental chair or ultrasound unit to a CT or MRI installation. The equipment is hypothecated to the lender, which makes the rate lower than unsecured practice credit, and lenders commonly fund 80-90% of the invoice value. Underwriting looks at three things: the practitioner's qualification and track record, the equipment's resale market, and whether projected utilisation realistically services the EMI. That last point is where files most often go wrong - a high-value scanner needs a patient volume to justify it, and lenders assess that volume sceptically. Tenures run up to about ten years on larger installations. Established practitioners with strong credit profiles access materially better pricing than new setups.","indicativeRate":{"fromPercent":8.25,"toPercent":16,"unit":"percent per annum"},"amount":{"minINR":200000,"maxINR":100000000,"minDisplay":"₹2 lakh","maxDisplay":"₹10 Cr"},"tenure":{"minMonths":12,"maxMonths":120},"typicalApprovalTime":"7-15 working days","eligibility":["Qualified medical practitioner or a registered healthcare entity","Council registration for the practitioner - the relevant medical or dental council","Practice vintage typically 3+ years for competitive pricing on high-value equipment","Clinic, diagnostic centre or hospital registration and applicable licences","Proforma invoice from the equipment supplier","CIBIL 750+ reaches the top pricing tier; established practice history offsets a lower score"],"documentsRequired":[{"category":"Equipment and Supplier Documents","items":["Proforma invoice from the equipment supplier or authorised distributor","Equipment specification, model and expected useful life","Installation site readiness - room, power and shielding requirements where applicable","Service and annual maintenance contract terms"]},{"category":"Practice and Regulatory Documents","items":["Medical or dental council registration certificate","Degree certificates for the practitioner","Clinical establishment registration and applicable licences","AERB approval or application status for radiology equipment, where required","Biomedical waste authorisation, where applicable"]},{"category":"Financial Documents","items":["ITR with computation - last 3 years","Practice or entity financials - last 2-3 years","Bank statements - last 12 months","Projected utilisation and revenue for the equipment being financed","Existing loan sanction letters and repayment record"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 2% of the loan amount"},{"label":"Margin / Own Contribution","value":"Typically 10% - 20% of the invoice value"},{"label":"CGTMSE Fee (where the clinic is MSME-registered and cover is availed)","value":"0.37% - 1.35% per annum of the guaranteed amount"},{"label":"Insurance","value":"Equipment insurance normally mandatory, with the lender's interest noted"},{"label":"Prepayment Charges","value":"Nil to 4% depending on lender and rate type"}],"relatedProducts":["https://loansgoteasy.com/loans/professional-loan","https://loansgoteasy.com/loans/equipment-finance","https://loansgoteasy.com/loans/business-loan"]},{"name":"Dairy and Poultry Loan","slug":"dairy-poultry-loan","url":"https://loansgoteasy.com/loans/dairy-poultry-loan","summary":"Finance for milk, layer and broiler units","description":"Dairy and poultry finance funds animals, sheds, feed, equipment and the working capital that keeps a unit running between sale cycles. It is structured differently from crop finance because the income is continuous rather than seasonal - a dairy unit sells milk daily, a broiler unit turns over every few weeks - so repayment schedules are usually monthly and the assessment focuses on the unit's operating economics. Lenders look hard at shed capacity, animal or bird numbers, feed cost and the buyer arrangement, because a unit without a reliable offtake channel is a weak file regardless of its size. Working capital for allied activities can also be accessed through the Kisan Credit Card framework, on limits assessed differently from crop limits. Subsidy support may be available through NABARD-linked and state schemes, subject to the current status of those schemes and the bank's assessment.","indicativeRate":{"fromPercent":8,"toPercent":15,"unit":"percent per annum"},"amount":{"minINR":50000,"maxINR":20000000,"minDisplay":"₹50,000","maxDisplay":"₹2 Cr"},"tenure":{"minMonths":12,"maxMonths":84},"typicalApprovalTime":"10-21 working days","eligibility":["Farmer, individual entrepreneur, SHG, FPO or registered entity running or setting up the unit","Land or shed - owned or on a documented long-term lease","Project report covering animal or bird numbers, feed plan, and expected yield","Training or demonstrable experience in the activity strengthens a new unit's file","Buyer or offtake arrangement - dairy cooperative membership, integrator contract or established sale channel","Existing loan repayment record with banks and cooperatives"],"documentsRequired":[{"category":"Land, Shed and Project Documents","items":["Land records or registered lease deed for the unit site","Shed construction plan and estimate, where being financed","Detailed project report - herd or flock size, feed plan, yield and cash flow projections","Quotations for equipment, milking machines, feeders or brooding equipment"]},{"category":"Activity and Offtake Documents","items":["Dairy cooperative membership or milk supply arrangement","Integrator agreement for contract broiler farming, where applicable","Veterinary certificates and animal purchase details","Training certificate in dairy or poultry management, where held"]},{"category":"Identity and Financial Documents","items":["Aadhaar and PAN","Bank statements - last 6-12 months","Existing loan details including any KCC limit","Insurance details for animals or birds, where already covered"]}],"feesAndCharges":[{"label":"Processing Fee","value":"Nil to 1.5%; often nominal on smaller scheme-linked loans"},{"label":"Margin / Own Contribution","value":"Typically 10% - 25% of project cost"},{"label":"Insurance","value":"Cattle or poultry insurance commonly required, premium borne by the borrower"},{"label":"Moratorium","value":"Often available while the unit reaches production; interest may accrue during it"},{"label":"Collateral","value":"Depends on loan size and the lender's credit policy"}],"relatedProducts":["https://loansgoteasy.com/loans/agriculture-loan","https://loansgoteasy.com/loans/msme-loan","https://loansgoteasy.com/loans/mudra-loan"]},{"name":"Food Processing Loan","slug":"food-processing-loan","url":"https://loansgoteasy.com/loans/food-processing-loan","summary":"Fund a micro food unit, with scheme support where you qualify","description":"Food processing finance covers the equipment, premises and working capital for units making spices, snacks, bakery goods, millet products, pickles, dairy products and similar. What distinguishes it from a general MSME loan is the scheme layer. The PMFME scheme provides a 35% credit-linked capital subsidy capped at ₹10 lakh per micro unit, with the beneficiary contributing 10% of project cost and the balance financed by a bank. The subsidy is credit-linked, meaning it is released to the lending bank after sanction and adjusted against your loan - it is not cash paid to you and it does not reduce your interest rate. PMFME has been extended till September 2026, so applicants should confirm the current position before planning around it. Food units also carry a regulatory layer, principally FSSAI licensing, that lenders check as part of eligibility.","indicativeRate":{"fromPercent":8.5,"toPercent":16,"unit":"percent per annum"},"amount":{"minINR":100000,"maxINR":50000000,"minDisplay":"₹1 lakh","maxDisplay":"₹5 Cr"},"tenure":{"minMonths":12,"maxMonths":120},"typicalApprovalTime":"10-21 working days","eligibility":["Individual micro food processing unit, proprietorship, partnership, FPO, SHG, co-operative or Section 8 company","FSSAI registration or licence appropriate to the unit's turnover and scale","Udyam registration for MSME scheme access and CGTMSE cover","Project report with equipment list, capacity and cash flow projections","Beneficiary contribution of 10% of project cost for PMFME-linked proposals","Premises - owned or on documented lease, meeting hygiene and layout requirements"],"documentsRequired":[{"category":"Regulatory and Registration Documents","items":["FSSAI registration or licence, appropriate to scale","Udyam Registration Certificate","GST registration, where applicable","Business registration proof (Shop Act / Partnership deed / COI)","Pollution control consent, where the unit's category requires it"]},{"category":"Project Documents","items":["Detailed project report - product, capacity, equipment list and projections","Quotations for plant, machinery and packaging equipment","Premises documents - ownership or lease deed with layout plan","ODOP product linkage details, where applying under PMFME"]},{"category":"Financial and KYC Documents","items":["Aadhaar and PAN of proprietor / partners / directors","Bank statements - last 12 months","ITR and financials - last 2 years for existing units","Evidence of the 10% beneficiary contribution for scheme-linked proposals"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 2% of the loan amount"},{"label":"PMFME Capital Subsidy","value":"35% of eligible project cost, capped at ₹10 lakh per micro unit, credit-linked"},{"label":"Beneficiary Contribution","value":"10% of project cost under PMFME"},{"label":"CGTMSE Fee (if availed)","value":"0.37% - 1.35% per annum of the guaranteed amount"},{"label":"Prepayment Charges","value":"Nil to 4% depending on lender and rate type"}],"relatedProducts":["https://loansgoteasy.com/loans/msme-loan","https://loansgoteasy.com/loans/machinery-loan","https://loansgoteasy.com/loans/mudra-loan"]},{"name":"Solar Equipment Loan","slug":"solar-equipment-loan","url":"https://loansgoteasy.com/loans/solar-equipment-loan","summary":"Concessionally priced rooftop solar finance, subject to eligibility","description":"Rooftop solar finance under the PM Surya Ghar scheme is priced well below ordinary retail credit, which makes it unusual - a residential borrower can access a rate that a business would struggle to match. At SBI, a loan up to ₹2 lakh is priced at 5.75% per annum with no minimum income requirement, and a loan above ₹2 lakh and up to ₹6 lakh at 7.90% per annum with a minimum net annual income of ₹3 lakh. The maximum tenure is 120 months including a six-month moratorium, and security is by hypothecation of the assets rather than property collateral. These rates are benchmark-linked and move with the lender's external benchmark, and other public sector banks price similarly but not identically. Larger commercial and industrial solar installations are financed separately as project or equipment finance at commercial rates.","indicativeRate":{"fromPercent":5.75,"toPercent":12,"unit":"percent per annum"},"amount":{"minINR":50000,"maxINR":10000000,"minDisplay":"₹50,000","maxDisplay":"₹1 Cr"},"tenure":{"minMonths":12,"maxMonths":120},"typicalApprovalTime":"3-10 working days","eligibility":["Residential consumer with a rooftop suitable for the system size proposed","Electricity connection in the applicant's name, with recent bills","No minimum income requirement for a loan up to ₹2 lakh at SBI","Net annual income of ₹3 lakh and above for a loan above ₹2 lakh and up to ₹6 lakh at SBI","Registration on the national portal and use of an empanelled vendor for scheme benefits","Roof ownership, or documented consent where the roof is jointly held"],"documentsRequired":[{"category":"Property and Connection Documents","items":["Recent electricity bills - typically last 6 months","Property ownership document or roof rights proof","Consent from co-owners, where the property is jointly held","Society or association NOC for an apartment installation, where applicable"]},{"category":"System and Vendor Documents","items":["Quotation from an empanelled vendor with system size in kW","Registration reference on the national rooftop solar portal","Technical feasibility approval from the distribution company, where issued","Net metering application or approval status"]},{"category":"Applicant Documents","items":["Aadhaar and PAN","Bank statements - last 6 months","Income proof, required only for loans above ₹2 lakh","Passport-size photographs"]}],"feesAndCharges":[{"label":"Interest Rate - up to ₹2 lakh (SBI)","value":"5.75% p.a., benchmark-linked, as at August 2026"},{"label":"Interest Rate - above ₹2 lakh to ₹6 lakh (SBI)","value":"7.90% p.a., benchmark-linked, as at August 2026"},{"label":"Processing Fee","value":"Nil to nominal under the scheme at most public sector banks"},{"label":"Security","value":"Hypothecation of assets - no separate property collateral"},{"label":"Moratorium","value":"Six months, included within the 120-month maximum tenure"}],"relatedProducts":["https://loansgoteasy.com/loans/home-loan","https://loansgoteasy.com/loans/personal-loan","https://loansgoteasy.com/loans/equipment-finance"]},{"name":"Infrastructure Loan","slug":"infrastructure-loan","url":"https://loansgoteasy.com/loans/infrastructure-loan","summary":"Long-tenure project finance for contractors and developers","description":"Infrastructure lending funds projects rather than businesses - warehouses, cold chain facilities, industrial sheds, commercial buildings, roads and civil contracts. The assessment is fundamentally different from a business loan: the lender underwrites the project's own cash flows, the strength of the contract or offtake behind it, and the promoter's execution record, rather than lending against historical financials alone. Tenures are long, often ten to fifteen years, with a moratorium during construction and repayment starting once the asset generates revenue. Disbursement is staged against verified construction progress, not paid as a lump sum. These are complex, document-heavy files with sanction timelines measured in weeks rather than days, and the promoter's contribution requirement is substantial - commonly 25-40% of project cost.","indicativeRate":{"fromPercent":8.5,"toPercent":16,"unit":"percent per annum"},"amount":{"minINR":5000000,"maxINR":1000000000,"minDisplay":"₹50 lakh","maxDisplay":"₹100 Cr"},"tenure":{"minMonths":36,"maxMonths":180},"typicalApprovalTime":"21-60 working days","eligibility":["Established entity - company, LLP or partnership with an execution track record","Detailed project report with independently verifiable cost estimates","Promoter contribution typically 25-40% of project cost","Contract, lease or offtake arrangement evidencing the project's revenue","Clear land title and all statutory approvals for the project site","Strong promoter financials and existing banking relationships"],"documentsRequired":[{"category":"Project Documents","items":["Detailed project report with cost estimates, timeline and financial model","Architect and engineer certified drawings and cost estimates","Contract, lease deeds or offtake agreements underpinning the revenue","Environmental and statutory clearances applicable to the project","Technical feasibility study, where the lender requires one"]},{"category":"Land and Title Documents","items":["Title deeds with a legal opinion on marketability","Encumbrance certificate","Approved building or layout plan from the competent authority","Land conversion order, where agricultural land is being used","RERA registration, where the project attracts it"]},{"category":"Entity and Financial Documents","items":["Audited financials - last 3 years for the entity and its promoters","MOA / AOA, board resolutions and shareholding pattern","Existing sanction letters and consortium details, where applicable","Evidence of promoter contribution already deployed","Track record of completed projects with completion certificates"]}],"feesAndCharges":[{"label":"Processing Fee","value":"0.5% - 2% of the sanctioned amount, often part-payable upfront"},{"label":"Promoter Contribution","value":"Typically 25% - 40% of project cost"},{"label":"Legal and Technical Due Diligence","value":"At actuals, borne by the borrower"},{"label":"Moratorium","value":"Through the construction period; interest usually accrues or is serviced during it"},{"label":"Prepayment Charges","value":"Typically 2% - 4%; often waived on floating rate refinance after a lock-in"}],"relatedProducts":["https://loansgoteasy.com/loans/construction-loan","https://loansgoteasy.com/loans/corporate-loan","https://loansgoteasy.com/loans/loan-against-property"]}],"professionSpecific":[{"profession":"Doctor","url":"https://loansgoteasy.com/for/doctors"},{"profession":"IT Professional","url":"https://loansgoteasy.com/for/it-professionals"},{"profession":"Contractor","url":"https://loansgoteasy.com/for/contractors"},{"profession":"Lawyer / CA","url":"https://loansgoteasy.com/for/lawyers-cas"},{"profession":"Business Owner","url":"https://loansgoteasy.com/for/business-owners"},{"profession":"Startup Founder","url":"https://loansgoteasy.com/for/startup-founders"},{"profession":"Government Employee","url":"https://loansgoteasy.com/for/government-employees"},{"profession":"Women Entrepreneur","url":"https://loansgoteasy.com/for/women-entrepreneurs"},{"profession":"Teacher","url":"https://loansgoteasy.com/for/teachers"},{"profession":"Nurse","url":"https://loansgoteasy.com/for/nurses"},{"profession":"Farmer","url":"https://loansgoteasy.com/for/farmers"},{"profession":"Auto Driver","url":"https://loansgoteasy.com/for/auto-drivers"},{"profession":"Kirana & Retail Owner","url":"https://loansgoteasy.com/for/kirana-retail-owners"},{"profession":"Freelancer","url":"https://loansgoteasy.com/for/freelancers"},{"profession":"Defence, Police & Railway Employee","url":"https://loansgoteasy.com/for/defence-police-railway"},{"profession":"Small Service Business Owner","url":"https://loansgoteasy.com/for/small-service-businesses"},{"profession":"NRI","url":"https://loansgoteasy.com/for/nri-borrowers"},{"profession":"Gig & Platform Worker","url":"https://loansgoteasy.com/for/gig-workers"},{"profession":"Street Vendor","url":"https://loansgoteasy.com/for/street-vendors"},{"profession":"Pensioner","url":"https://loansgoteasy.com/for/pensioners"},{"profession":"Fisherman","url":"https://loansgoteasy.com/for/fishermen"},{"profession":"Stand-Up India Entrepreneur","url":"https://loansgoteasy.com/for/sc-st-women-entrepreneurs"},{"profession":"Handloom Weaver","url":"https://loansgoteasy.com/for/handloom-weavers"},{"profession":"Dairy & Poultry Farmer","url":"https://loansgoteasy.com/for/dairy-poultry-farmers"},{"profession":"Restaurant Owner","url":"https://loansgoteasy.com/for/restaurant-owners"},{"profession":"Diagnostic Lab Owner","url":"https://loansgoteasy.com/for/diagnostic-lab-owners"},{"profession":"Jeweller","url":"https://loansgoteasy.com/for/jewellers"},{"profession":"School Owner","url":"https://loansgoteasy.com/for/school-owners"},{"profession":"Pharmacy Owner","url":"https://loansgoteasy.com/for/pharmacy-owners"},{"profession":"Transporter","url":"https://loansgoteasy.com/for/transporters"},{"profession":"Insurance Agent","url":"https://loansgoteasy.com/for/insurance-agents"},{"profession":"Real Estate Agent","url":"https://loansgoteasy.com/for/real-estate-agents"},{"profession":"Dentist","url":"https://loansgoteasy.com/for/dentists"},{"profession":"Architect","url":"https://loansgoteasy.com/for/architects"},{"profession":"Veterinarian","url":"https://loansgoteasy.com/for/veterinarians"},{"profession":"Physiotherapist","url":"https://loansgoteasy.com/for/physiotherapists"},{"profession":"Hotel and Lodging House Owner","url":"https://loansgoteasy.com/for/hotel-lodging-owners"},{"profession":"Petrol Pump Dealer","url":"https://loansgoteasy.com/for/petrol-pump-dealers"},{"profession":"Cold Storage Operator","url":"https://loansgoteasy.com/for/cold-storage-operators"},{"profession":"Security Agency Owner","url":"https://loansgoteasy.com/for/security-agency-owners"}],"howToApply":{"url":"https://loansgoteasy.com/apply","process":"https://loansgoteasy.com/process","steps":["Submit an enquiry with loan type, amount, and contact details.","A loan expert makes contact, typically within 24 hours, to understand the requirement.","Eligibility is assessed and suitable partner lenders are shortlisted.","Documentation is collected and the application is submitted to the chosen lender.","The lender conducts its own verification and credit assessment.","The lender issues its decision and, if sanctioned, a sanction letter with final terms.","The lender disburses. Timelines depend on the lender and documentation."]},"disclaimers":["Loans Got Easy is an Authorized Direct Selling Agent, not a lender, bank, or NBFC.","All rates are indicative, subject to eligibility, and change without notice.","Loan sanction, final rate, and terms are determined solely by the partner lender.","No fixed disbursement timeline is guaranteed.","No government endorsement, licence, or official standing is claimed or held."]}