Balaji Financial Services

The Best Part Of Home Loan Is Plot Purchase Loan Found the plot of land where you want to construct your home, or you simply want to own a plot? You can purchase non-agricultural land situated within Municipal / Local Development Authority limits, whether you are salaried or self-employed . If you want to build your dream home on the purchased plot, we will help you.

Key Features :

Eligibility: Loan available for both salaried and self-employed borrowers within the age group of 21 and 60 years.
Security: Mortgage of home you are planning to purchase, renovate, or construct.
Loan Amount: In the range of Rs. 10 Lakh to Rs. 1000 Cr.
Loan to Property Value Ratio: Varies from 65% to 85%.
Loan Tenure: Can range from 5 to 30 years.
Interest rates: Home loan Interest Rates starting from 9.75%. Special rates for women borrowers.
Loan For Plot Purchase Outside Nagar Palika / Nigam Allowed.
Processing Fees: Up to 1% of the loan amount or Maximum Rs. 10,000.
Minimum Document Requirment
Other Charges: Legal charges, technical charges, etc.
Documents Required: Address Proof, Identity Proof, Income.

Unsecured business loans are a great funding option for businesses that don’t own many assets, or for any company that’s growing fast and needs finance quickly. Our proprietary platform matches your loan requirement with the right lender for your business in no time, speeding up the process when you apply for a business loan.Also we offered OD/CC limit.

1. Secured Business Loans:
These Loans are those which are taken against some type of personal guarantee or any valuable asset as collateral.
Inventory loans equipment loans term loan and loan
A secured business loan is when the individual provides collateral in the form of land, machinery, a house, etc, as security for the loan amount.
This has the added benefit of a lower rate of interest.

2. Unsecured Business Loans:
An unsecured business loan is when the loan amount is given without any collateral.
The interest rates for unsecured loans are generally higher as there is a risk factor involved for the lender.

3. Overdraft (OD)
An overdraft means overdrawing money from one’s current/savings account even if the account balance is zero or even below.An agreed rate of interest will be charged if the overdrawn amount is within the limits of a preceding agreement.
The interest rate is charged only on the utilized amount of the total withdrawal or sanctioned limit.

Benefits of Business Loan:

Flexible Tenures
Minimal Documentation
Multiple Bank & NBFC Options
Without Any Property Mortgage
Loan Disbursal In 72 Hours
Limit Facility Available

A Personal Loan is a great boon when you need money without too much of a hassle or borrowing from friends or family. Whether it’s for medical expenses or a wedding, foreign travel or study abroad fees, home renovation or short-term cash, you can get a Personal Loan quickly and easily. A Personal Loan is convenient because you can repay it over a period of time in pocket-friendly instalments and you can get quick disbursal with little paperwork.

Features :

Minimum documents required
Quick loan disbursement
Attractive rate of interest
Completly digital online process
From anywhere pan india
No collateral requirement.
Premature loan repayment facility [ after 6 months ]

We made Car Loans come with exclusive features such as up to maximum financing, flexible repayment tenure and affordable EMI. Customised vehicle Loans are available on all the features like new & old vehicle finance & refinance. Our well- trained officials will help you take informed decisions and assist you with the documentation process.

With a car loan, you can easily purchase a four-wheeler
Your loan offers an option of repayment that can be stretched to 7 years. You can choose the car loan tenure that best fits you.
If you cannot purchase a new car, you can apply for a used car loan product
No extra collateral is required for availing of the loan, as the vehicle itself acts as collateral.
Loan repayment helps you form a better idea of your spending capacity. Once the repayment on the car loan is over, you can start planning something different.
Some car loans offer additional perks like free servicing, free road tax etc.
Maximum funding upto 90% of IDV
Funding Upto 175% of IDV in loan trasfer cases
Multiple Bank & NBFC option

We made Commercial Vehicle Loans come with exclusive features such as up to maximum financing, flexible repayment tenure and affordable EMI. Customised vehicle Loans are available on all the features like new & old vehicle finance & refinance. Our well- trained officials will help you take informed decisions and assist you with the documentation process.

With a commercial vehicle loan, you can easily purchase new or old vehicle
Your loan offers an option of repayment that can be stretched to 7 years. You can choose the loan tenure that best fits you.
If you cannot purchase a new vehicle, you can apply for a used vehicle product
No extra collateral is required for availing of the loan, as the vehicle itself acts as collateral.
Maximum funding upto 80% of IDV
Funding Upto 120% IDV in loan trasfer cases

Fulfil your needs on your own with Gold Loan which allows you to get funds in 45 minutes!

The Gold Loan is your definitive solution to meet your imperative financial needs. Whatever your reason may be, education, business expansion, personal requirement, medical crisis or any other specified end-use, our Loan against Gold is all you need.

In volatile times and during a contingency you can take a Loan on Gold, for any use other than to purchase jewellery.

Gold is a valuable asset, and with it comes surety and stability, so why not let it work for you? With minimal documentation and quick disbursal, a Gold Loan is a seamless solution. You can avail a Loan against Gold at any time. Our flexible tenure and repayment options ensure that your monthly outgoings are within your budget.

Features :

45 min disbursements Enjoy super quick disbursals
Overdraft facility just pay interest for the amount utilized
Secure gold loan Triple layer security for your gold
Term Loan, OD and Bullet repayment available
Gold Loans is available for tenures starting from 3 months up to 24 months.
Simple documentation and speedy disbursals
Completely transparent process
Maximum funding of gold value

The Kisan Credit Card was launched in 1998-99 by the government of India in association with the Reserve Bank of India and the National Bank for Agriculture and Rural Development (NABARD) to provide a much-needed relief to debt-ridden farmers.

Farmers in India are forced to take loans from lenders at high interest rates burdened by failed crop seasons and poor harvests because of drought or unseasonal rains. Failure to repay means more woes. As a result, the Kisan Credit Card was launched to give loans to farmers at reasonable rates.

Card features:

Usually valid for five years.
Must be renewed annually.
Loans to be repaid after the harvest and sale of crops.
Credit period of 12 months.
Failure of crop season means possible loan extension of loan amount up to four years or more.
Credit limit depends on the lender’s rules and credit score of farmer.

Benefits:

Passbook issued for withdrawal of cash from bank.
Cheque book issued with credit limit of Rs 25,000.
Farmer can purchase seeds, fertilizers, farm equipment with loan amount.
Low bank interest rates, at an average of around 9%.
Maximum credit limit of Rs 3 lakh.
Higher credit limit for farmers with good credit scores.
Subsidies on interest rates to farmers with good credit scores.

Insurance:

Card holders can get insurance coverage under National Crop Insurance scheme for certain crop loan types.
Card holders can also get coverage for failed crop season following natural calamities or pest attacks.
Personal accident cover give to card holders under 70 years.

Considering the mostly dense Indian roads, a two-wheeler provides you with high flexibility and utility. Whether you want a convenient way to move around the city or go on a road trip with friends,there’s a two-wheeler for every purpose and terrain.With balaji financial services, you can enjoy up to 100%* financing for two-wheelers and competitive Two Wheeler Loan interest rates.

Key Features :

Apply for Two-Wheeler loan online with paperless and hassle-free process
Loan with easy and flexible EMI repayment
Loan Processing in minutes with a down payment of Rs.1999* only
Get up to 100% finance if you are an HDFC Bank account holder for specific models, and avail attractive interest rates.
Loan tenure to be just 12 months or 48 months, with our pocket-friendly EMI repayment options
apply online or at any of our branches across India within minimum documents for a quick offer and approval.

Tractor Loan designed to meet your specific needs. We keep in mind how purchasing a vehicle of this sort can be an expensive investment for many. Thus, we offer high-value tractor finance, going up to almost 90% of the vehicle’s value, enabling you to make the purchase without shouldering the entire financial burden.

With our Tractor Loan, you can avail of funds to purchase new and used tractors, as per your needs. You can avail of our Tractor Loan at highly competitive interest rates, without providing any land as mortgage. Plus, you can also make the most of insurance cover, flexible tenures, and easy repayment terms. You can apply for our Tractor Loan online by meeting our eligibility criteria and minimal documentation requirements.

Features :

Enjoy hassle-free documentation and speedy disbursal
Flexible Repayment Options
Loans for purchase of New / Old Tractors & Farm Equipments
Loans available Without Land Mortgage and with Land Mortgage
Loans available basis Registration Certificate / Repayment Track Record / Income Proof
Get up to 90% of the tractor cost
Get a loan with repayment in 12 to 60 months