Home Loan & OD
Lowest Interest Rates Starting @ 7.00%* p.a. up to 30 Yrs!
Your Dream Home,
Made Affordable
Compare 50+ partner banks with lowest rates from 7.00% p.a. & flexible tenures up to 30 years.
Loan Against Property
High-Ticket Liquidity up to ₹10 Crore with Flexible Tenures!
Unlock Capital with
Property Mortgage
High-ticket liquidity up to ₹10 Crore with competitive rates from 8.40% p.a. & 15-year tenures.
Unsecured Business Loan
Fast Disbursal up to ₹5 Crore with Minimal Paperwork!
Fuel Your Enterprise
Business Growth
Unsecured business loans up to ₹5 Crore with fast 48-hour sanctions across top institutional lenders.
Doctor & CA Professional Loan
Collateral-Free Disbursals up to ₹75 Lakhs @ 9.00% p.a.!
Specialized Financing for
Doctors & CAs
Pre-approved loans & overdraft lines tailored for certified doctors and chartered accountants with zero collateral.
Instant Personal Loan
Quick Paperless Approval up to ₹50 Lakhs in 24 Hours!
Instant Liquidity for
Personal Needs
Fast-track paperless loans up to ₹50 Lakhs for salaried & prime professionals with flexible tenures up to 7 years.
Working Capital & CC Limits
Flexible Cash Credit & OD Lines Tailored for Cash Flow!
Keep Operations Smooth with
Working Capital
Seamless cash credit (CC), export finance, and overdraft limits designed to protect your operational cash cycle.
CGT/MSME Loan Scheme
Collateral-Free Sovereign Backed Credit Starting @ 9.5% p.a.!
Collateral-Free Capital with
CGT/MSME Loan
Get sovereign-backed collateral-free funding up to ₹5 Crores under the CGTMSE scheme with competitive ROI from 9.5% p.a.
New & Used Car Loan
Up to 100% On-Road Funding with 8-Year Tenures!
Drive Home Your Dream Car
With Lowest EMI
Up to 100% on-road funding for new and pre-owned vehicles with lowest rates from 7.45% p.a. & quick approvals.
Higher Education Loan
Study in India & Abroad with Moratorium Benefits!
Fund Global Education with
100% Student Loans
Comprehensive funding for tuition & living expenses across top Indian and international universities with course-period moratorium.
Machinery & Equipment Loan
Finance Industrial Tools & Plant Assets up to ₹25 Crores!
Scale Production with
Machinery Loans
Modernize plant and machinery with fast equipment loans up to ₹25 Crores with subsidized rates and flexible tenures.
Explore our suite of customized solutions for every financial need.
Compare 50+ leading Banks & NBFCs across Delhi NCR with lowest interest rates, zero hidden charges, and doorstep advisory.
A Perfect Guide For All Your Financial Needs
Compare 50+ leading partner banks & NBFCs, get doorstep paperwork assistance, and secure institutional interest rates — with zero advance consultancy charges.
Instant Loan Eligibility Check — One Form, All Banks!
Gone are the days of visiting multiple bank branches, filling out repetitive lengthy forms, and waiting weeks for responses! With our single-window eligibility assessment, we compare and negotiate custom loan terms across India's top institutional lenders simultaneously.
Doorstep Document Liaison — Zero Branch Queues, Pure Comfort!
We bring the entire banking sanction experience right to your living room or office desk. Skip bureaucratic token queues and frustrating counter visits. Our certified field officers handle the entire physical paperwork and technical liaison on your behalf.
CIBIL Call Assistance — Expert Advocacy for Low CIBIL & Complex Cases
Low credit score, settled credit card accounts, or property documentation complications? Don't let automated bank software reject your application. Our seasoned loan underwriters specialize in manual file underwriting advocacy directly with senior credit heads.
Interactive Financial EMI Calculator
Calculate accurate monthly EMIs, principal vs interest distribution, and lifetime payout breakdowns across all 10 loan categories.
Compare Real-Time Interest Rates Across Top Lenders
| Lending Institution | Loan Category | Starting Interest Rate | Max Loan Amount | Processing Fee | Action |
|---|---|---|---|---|---|
|
|
Home Loan & LAP | 7.00% – 8.85% p.a. | Up to ₹20 Crore | 0.35% (Special Waiver via Proloan) | |
|
|
Doctor OD & Business BL | 9.00% – 10.45% p.a. | Up to ₹75 Lakhs (Unsecured) | Zero Documentation Fee | |
|
|
Medical & CA Professional OD | 9.00% – 11.00% p.a. | Up to ₹50 Lakhs | Flat ₹4,999/- | |
|
|
Property Loan (LAP) | 8.40% – 9.75% p.a. | Up to ₹25 Crore | 0.50% of Loan Amount |
How Proloan India Works in 4 Easy Steps
Zero bureaucratic delay, zero branch queues. We bring the entire banking sanction process right to your doorstep.
1. Instant Eligibility Check
Fill out our 2-minute form. We assess your credit profile across leading lenders without affecting your CIBIL score.
2. Multi-Bank Comparison
Your dedicated relationship manager provides a personalized rate matrix comparing ROI, processing fees, and tenure.
3. Doorstep Document Pickup
Our field executive collects all KYC and financial paperwork from your home or office across Delhi NCR.
4. Rapid Fund Disbursal
In-principle sanction within 24 hours, followed by direct institutional disbursement to your bank account.
Trusted by 1,000+ Borrowers
Across Delhi NCR
Read authentic Google & Justdial reviews from doctors, entrepreneurs, and homeowners who received quick loan approvals and lowest interest rates through Proloan India.
Doctor Loan & OD
Doctor Loan & Overdraft Facility (OD) up to ₹75 Lakhs!
Doctor Loan &
Overdraft Facility
Tailored financing for medical professionals with overdraft facilities, equipment funding, and minimal paperwork.
Professional Loan Overview
Tailor-made collateral-free financing designed specifically for self-employed medical practitioners, clinic owners, surgeons, and practicing Chartered Accountants (CAs). Access revolving credit or term loans to upgrade medical equipment, expand clinic premises, or manage daily hospital cash flow with instant online approval.
| Interest Rates | 9.00% p.a.* |
| Maximum Funding | Up to ₹75 Lakhs |
| Repayment Horizon | 12 - 60 Months |
| Disbursal Turnaround | 24 - 48 Hours |
| Upfront Charges | Zero Advance Cash Fees (100% Free Consultation) |
Apply for Professional Loan
Compare instant quotes across 50+ banks with zero upfront charges.
Professional Loan — Features & Benefits
Key product features, flexibility, and loan sanction advantages tailored for you.
Customized for Medical & CA Practice
Specially structured credit policies recognizing medical degrees (MBBS, MD, MS, BDS, MDS) and ICAI Certificate of Practice (COP).
100% Collateral-Free & Unsecured
Zero requirement to mortgage clinic/office premises, pledge medical equipment, or provide gold collateral.
High Sanction up to ₹75 Lakhs
Access substantial liquidity from ₹1 Lakh up to ₹75 Lakhs to fund clinic expansion, diagnostic gear, or new branch offices.
Express 24-48 Hour Disbursal SLA
Instant digital e-KYC and automated bank statement verification ensure same-day sanctions and rapid direct account credit.
Flexible Repayment Horizon (1 to 5 Yrs)
Choose comfortable repayment terms from 12 to 60 months tailored to maintain optimal practice cash flows.
Revolving Overdraft (OD) Facility
Opt for flexible Dropline OD where interest is charged strictly on the utilized amount and days used.
Eligibility Criteria & Required Documents
Minimal paperwork with 100% digital verification across premier lenders.
Eligibility Criteria
Basic qualifications to apply- check_circle Medical Practitioners: MBBS, MD, MS, BDS, MDS, BHMS, BAMS with minimum 2 years post-qualification practice.
- check_circle Chartered Accountants: Fellow / Associate member of ICAI holding an active Certificate of Practice (COP) for 2+ years.
- check_circle Practice Vintage: Minimum 2 years running own clinic, nursing home, hospital, or CA auditing firm.
- check_circle Credit Score: Clean bureau profile with CIBIL score of 680 and above.
Documentation Checklist
Soft copies accepted via digital upload- description Identity & Address Proof: PAN Card, Aadhaar Card, Passport.
- description Professional Proof: Medical Degree Certificates, Medical Council Registration, or ICAI Membership & COP.
- description Income & Financial Documents: Last 12 months current account bank statements and 2 years ITR with computation.
- description Establishment Proof: Clinic registration, hospital empanelment certificate, or CA firm registration letter.
Professional Loan — Partner Bank Interest Rates (2026)
Live rates compared across 50+ Scheduled Commercial Banks & NBFCs
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| HDFC Bank | 9.00% - 11.50% | Up to 1.00% | Up to 5 Years | |
| ICICI Bank | 9.25% - 11.75% | 0.75% - 1.00% | Up to 5 Years | |
| State Bank of India (SBI) | 9.00% - 11.00% | 0.50% | Up to 5 Years | |
| Axis Bank | 9.50% - 12.00% | Up to 1.25% | Up to 5 Years | |
| Kotak Mahindra Bank | 9.20% - 11.90% | 0.99% | Up to 5 Years | |
| Bajaj Finserv | 9.50% - 12.50% | 1.00% | Up to 5 Years |
Professional Loan EMI Calculator
Calculate your reducing-balance monthly installments, total interest costs, and view the visual loan breakdown with real-time charts.
Frequently Asked Questions (Professional Loan)
Clear answers to common questions about Professional Loan eligibility, process, and interest rates.
What is the difference between a Professional Term Loan and Overdraft?
A term loan gives you the lump sum amount with a fixed EMI, whereas an Overdraft (OD) limit gives you a pre-approved revolving credit limit where interest is charged only on the exact funds utilized and days used.
Is any collateral or clinic hypothecation needed?
No. Professional loans for Doctors and Chartered Accountants are 100% unsecured with zero collateral or asset mortgage required.
Can newly established doctors or CA firms apply?
Yes, doctors and CAs with minimum 2 years of practice registration or audited clinical vintage are eligible for fast-track credit sanctions.
Ready to Secure the Best Professional Loan?
Our senior underwriting specialists compare 50+ lenders to lock in the lowest interest rate and maximum loan sanction with zero upfront brokerage.
Business Loan (BL)
Collateral-Free MSME Capital up to ₹5 Crore in 48 Hours!
Hassle-Free
Business Loan
Unsecured business loans up to ₹5 Crore with fast 48-hour sanctions across top institutional lenders.
Business Loan Overview
Scale your enterprise, finance working capital, purchase inventory, or expand operations with collateral-free Business Loans (BL) from ₹2 Lakhs up to ₹5 Crores across 50+ Scheduled Commercial Banks & NBFCs with zero upfront brokerage.
| Interest Rates | 10.45% p.a.* |
| Maximum Funding | Up to ₹5 Crores |
| Repayment Horizon | 12 - 60 Months |
| Disbursal Turnaround | 48 Hours |
| Upfront Charges | Zero Advance Cash Fees (100% Free Consultation) |
Apply for Business Loan
Compare instant quotes across 50+ banks with zero upfront charges.
Business Loan — Features & Benefits
Key product features, flexibility, and loan sanction advantages tailored for you.
Collateral-Free MSME Limits up to ₹5 Cr
Unsecured business loans up to ₹1 Crore and CGTMSE/secured credit lines up to ₹5 Crores across premier institutional lenders.
Fast 48-Hour Disbursal SLA
Expedited credit appraisal with fast-track in-principle sanctioning and direct NEFT/RTGS disbursal.
Working Capital & Overdraft Limits
Flexible Term Loans, Dropline Overdraft (OD), and Cash Credit (CC) limits matching business operating cycles.
GST & Banking Surrogate Underwriting
Credit appraisal based on rolling 12-month banking transactions, GST returns, and POS merchant volumes.
Zero Pre-Closure Penalties
Prepay or foreclose your business loan flexibly when cash flow peaks with zero prepayment charges.
Dedicated Senior Financial Advisor
End-to-end guidance from senior ex-banker corporate finance consultants to structure the ideal capital package.
Eligibility Criteria & Required Documents
Minimal paperwork with 100% digital verification across premier lenders.
Eligibility Criteria
Basic qualifications to apply- check_circle Business Vintage: Minimum 2 years of continuous operational vintage with registered business proof.
- check_circle Annual Turnover: Minimum ₹40 Lakhs+ annual business turnover supported by active GST filings.
- check_circle Eligible Entities: Sole Proprietorships, Partnerships, Private Limited Companies, and LLPs.
- check_circle Credit Profile: Minimum 680+ CIBIL score with positive banking cash flow and no defaults.
Documentation Checklist
Soft copies accepted via digital upload- description Promoter KYC: PAN Card, Aadhaar Card, Passport / Voter ID.
- description Business Registration: GST Certificate, Udyam MSME Certificate, Shop & Establishment license.
- description Financial Proofs: Last 2 years ITR with Balance Sheet & P&L audited by CA.
- description Banking Proofs: Last 12 months current account bank statements in original PDF format.
Business Loan — Partner Bank Interest Rates (2026)
Live rates compared across 50+ Scheduled Commercial Banks & NBFCs
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| HDFC Bank | 10.45% - 15.00% | Up to 1.50% | Up to 5 Years | |
| ICICI Bank | 10.75% - 15.50% | 1.00% - 1.50% | Up to 5 Years | |
| Axis Bank | 11.00% - 15.50% | Up to 1.50% | Up to 5 Years | |
| Tata Capital | 10.45% - 14.50% | 1.25% | Up to 4 Years | |
| Bajaj Finserv | 11.00% - 15.50% | 1.50% | Up to 5 Years | |
| IDFC FIRST Bank | 10.65% - 14.75% | 1.00% | Up to 5 Years |
Business Loan EMI Calculator
Calculate your reducing-balance monthly installments, total interest costs, and view the visual loan breakdown with real-time charts.
Frequently Asked Questions (Business Loan)
Clear answers to common questions about Business Loan eligibility, process, and interest rates.
How much unsecured business loan can I get?
Unsecured business loans range from ₹2 Lakhs up to ₹1 Crore for MSMEs, while backed or banking-surrogate limits can go up to ₹5 Crores based on turnover and cash flows.
Do I need to pledge collateral or property?
No. Standard MSME Business Loans are 100% collateral-free and require zero asset hypothecation.
How fast is the loan disbursed?
In-principle sanction is provided in 24 hours, and final account disbursement occurs within 48 hours upon digital verification.
Ready to Secure the Best Business Loan?
Our senior underwriting specialists compare 50+ lenders to lock in the lowest interest rate and maximum loan sanction with zero upfront brokerage.
Home Loan & Top-Up
Lowest Rates Starting @ 7.00%* p.a. with Tenures up to 30 Yrs!
Affordable &
Fast Home Loan
Compare 50+ partner banks with lowest rates from 7.00% p.a. & flexible tenures up to 30 years.
Home Loan Overview
Affordable home purchase, plot construction, and balance transfer loans at the lowest market rates starting from 7.00% p.a., extended tenures up to 30 years, and maximum tax benefits across Canara Bank, Indian Bank, PNB, SBI, HDFC, and 50+ lenders.
| Interest Rates | 7.00% p.a.* |
| Maximum Funding | Up to ₹5 Crores (90% LTV) |
| Repayment Horizon | Up to 30 Years |
| Disbursal Turnaround | 24 - 48 Hours |
| Upfront Charges | Zero Advance Cash Fees (100% Free Consultation) |
Apply for Home Loan
Compare instant quotes across 50+ banks with zero upfront charges.
Home Loan — Features & Benefits
Key product features, flexibility, and loan sanction advantages tailored for you.
Lowest Market Interest Rates (From 7.00% p.a.)
Access preferential home loan interest rates starting from 7.00% p.a. through India's premier public and private banks.
Flexible 30-Year Repayment Horizon
Extended tenures up to 30 years (360 months) ensuring budget-friendly, manageable monthly EMIs for your household.
Up to 90% Property Financing (High LTV)
High Loan-to-Value (LTV) funding based on the registered agreement value of the residential property.
Substantial Annual Tax Benefits
Claim dual tax deductions annually on principal repayment (Sec 80C up to ₹1.5L) and interest paid (Sec 24b up to ₹2L).
Balance Transfer & Top-Up Facility
Switch your high-interest home loan from existing lenders to reduce your rate and unlock surplus top-up funds.
New, Resale & Plot Construction
Complete funding for newly built developer apartments, freehold builder floors, resale properties, and plot construction.
Eligibility Criteria & Required Documents
Minimal paperwork with 100% digital verification across premier lenders.
Eligibility Criteria
Basic qualifications to apply- check_circle Salaried Borrowers: Minimum net take-home salary of ₹25,000/month with 1+ year total job stability.
- check_circle Self-Employed: Minimum 2 years continuous business operations with audited financials and ITR filing.
- check_circle Age Horizon: 21 to 65 years at the time of loan maturity.
- check_circle Credit Score: Minimum 700+ CIBIL score for lowest slab interest rate discounts.
Documentation Checklist
Soft copies accepted via digital upload- description KYC Documents: PAN Card, Aadhaar Card, Passport / Voter ID, Passport photograph.
- description Salaried Income: Latest 3 months salary slips, 6 months salary account bank statements, Form 16.
- description Self-Employed Income: Last 2 years ITR with computation, Balance Sheet, P&L, 12 months bank statements.
- description Property Documents: Agreement to sale, title deed chain, sanctioned floor map, OC/CC, possession letter.
Home Loan — Partner Bank Interest Rates (2026)
Live rates compared across 50+ Scheduled Commercial Banks & NBFCs
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| State Bank of India (SBI) | 7.00% - 8.50% | 0.35% (Max ₹10,000) | Up to 30 Years | |
| Canara Bank | 7.00% - 8.50% | Zero to 0.50% | Up to 30 Years | |
| Punjab National Bank (PNB) | 7.00% - 8.60% | Zero to 0.35% | Up to 30 Years | |
| HDFC Bank | 7.40% - 8.95% | Up to 0.50% | Up to 30 Years | |
| ICICI Bank | 7.45% - 9.00% | Up to 0.50% | Up to 30 Years | |
| Bank of Baroda | 7.00% - 8.50% | Zero to 0.25% | Up to 30 Years |
Home Loan EMI Calculator
Calculate your reducing-balance monthly installments, total interest costs, and view the visual loan breakdown with real-time charts.
Frequently Asked Questions (Home Loan)
Clear answers to common questions about Home Loan eligibility, process, and interest rates.
What is the maximum financing available on a home purchase?
Banks fund up to 90% of agreement value for properties up to ₹30 Lakhs, up to 80% for properties between ₹30L to ₹75L, and up to 75% for properties above ₹75 Lakhs.
Can I transfer my existing home loan to a lower interest rate?
Yes. Our home loan balance transfer desk seamlessly moves your existing loan to premier lenders, saving up to 0.50% - 0.75% ROI with zero upfront brokerage.
What are the tax deductions available on a home loan?
You can claim up to ₹1.5 Lakhs under Section 80C on principal repayment and up to ₹2 Lakhs under Section 24(b) on interest paid annually.
Ready to Secure the Best Home Loan?
Our senior underwriting specialists compare 50+ lenders to lock in the lowest interest rate and maximum loan sanction with zero upfront brokerage.
Loan Against Property
High-Ticket Liquidity up to ₹10 Crore with Flexible Overdraft!
High-Ticket
Loan Against Property
Unlock the highest value of your residential, commercial, or industrial property with low interest rates.
Loan Against Property Overview
Unlock up to 75% of your property's certified market valuation with low mortgage Property Loan interest rates starting from 8.40% p.a., extended 15-20 year repayment, and complete retention of property ownership.
| Interest Rates | 8.40% p.a.* |
| Maximum Funding | Up to ₹10 Crores (75% LTV) |
| Repayment Horizon | 15 - 20 Years |
| Disbursal Turnaround | 3 - 5 Days |
| Upfront Charges | Zero Advance Cash Fees (100% Free Consultation) |
Apply for Loan Against Property
Compare instant quotes across 50+ banks with zero upfront charges.
Loan Against Property — Features & Benefits
Key product features, flexibility, and loan sanction advantages tailored for you.
High Loan Amount up to ₹10 Crores (75% LTV)
Unlock maximum liquidity from ₹25 Lakhs up to ₹10 Crores based on certified technical valuation of your property.
Low Mortgage Rates from 8.40% p.a.
Significantly lower interest rates compared to unsecured business loans or personal loans.
Extended 15 to 20 Year Repayment
Long repayment horizon keeping monthly EMIs low and cash flows optimal for personal or business needs.
Residential, Commercial & Industrial Plots
Pledge residential flats, freehold builder floors, commercial office spaces, retail shops, or industrial units.
Flexible Multipurpose Utilization
Deploy funds freely for business working capital, capacity expansion, debt restructuring, or personal milestones.
Balance Transfer & High-Value Top-Up
Transfer existing high-cost LAP from other financiers to slash interest rates and unlock high-ticket top-up funds.
Eligibility Criteria & Required Documents
Minimal paperwork with 100% digital verification across premier lenders.
Eligibility Criteria
Basic qualifications to apply- check_circle Property Ownership: Clear title ownership of residential, commercial, or industrial property in Delhi NCR.
- check_circle Borrower Category: Salaried professionals, Self-Employed business owners, Doctors, CAs, and MSMEs.
- check_circle Age Profile: 25 to 65 years at loan completion.
- check_circle Credit Profile: Minimum 680+ CIBIL score with clear repayment track record.
Documentation Checklist
Soft copies accepted via digital upload- description KYC Documents: PAN Card, Aadhaar Card, Passport / Driving License.
- description Property Deeds: Registered sale deed, conveyance deed, chain deeds, sanctioned building plan, latest house tax receipt.
- description Financial Proofs: Last 3 years ITR with computation, audited balance sheets, last 12 months bank statements.
- description Business Proofs: GST registration, MSME Udyam, partnership deed / MOA & AOA for corporate borrowers.
Loan Against Property — Partner Bank Interest Rates (2026)
Live rates compared across 50+ Scheduled Commercial Banks & NBFCs
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| HDFC Bank | 8.40% - 10.50% | Up to 1.00% | Up to 15 Years | |
| State Bank of India (SBI) | 8.40% - 9.85% | 0.50% - 1.00% | Up to 15 Years | |
| ICICI Bank | 8.65% - 10.25% | 0.75% - 1.00% | Up to 15 Years | |
| Axis Bank | 8.75% - 10.50% | Up to 1.00% | Up to 15 Years | |
| Tata Capital | 8.95% - 10.75% | 1.00% | Up to 15 Years | |
| Bajaj Finserv | 9.25% - 11.00% | 1.00% | Up to 15 Years |
Loan Against Property EMI Calculator
Calculate your reducing-balance monthly installments, total interest costs, and view the visual loan breakdown with real-time charts.
Frequently Asked Questions (Loan Against Property)
Clear answers to common questions about Loan Against Property eligibility, process, and interest rates.
Can I use LAP funds for any purpose?
Yes. Loan Against Property funds have no end-use restrictions. You can utilize the capital for business expansion, debt consolidation, education, weddings, or emergency liquidity.
Do I retain ownership of the property?
Yes. You retain full ownership, possession, and rental rights of the property throughout the mortgage tenure.
Can rented or commercial properties be pledged?
Yes, residential apartments, independent bungalows, commercial offices, retail shops, and industrial units are all eligible for high-LTV mortgage loans.
Ready to Secure the Best Loan Against Property?
Our senior underwriting specialists compare 50+ lenders to lock in the lowest interest rate and maximum loan sanction with zero upfront brokerage.
Personal Loan
Instant Disbursals up to ₹40 Lakhs with Minimal Documentation!
Instant Disbursal
Personal Loan
Quick multi-bank personal loans up to ₹40 Lakhs with flexible repayment tenures up to 7 years.
Personal Loan Overview
Access collateral-free personal financing from ₹50,000 to ₹50 Lakhs with instant digital verification, low interest rates starting from 9.99% p.a., and flexible repayment tenures up to 84 months across 50+ banking partners.
| Interest Rates | 9.99% p.a.* |
| Maximum Funding | Up to ₹50 Lakhs |
| Repayment Horizon | 12 - 84 Months |
| Disbursal Turnaround | Same-Day Direct |
| Upfront Charges | Zero Advance Cash Fees (100% Free Consultation) |
Apply for Personal Loan
Compare instant quotes across 50+ banks with zero upfront charges.
Personal Loan — Features & Benefits
Key product features, flexibility, and loan sanction advantages tailored for you.
100% Collateral-Free & Unsecured
Completely unsecured personal financing with zero collateral, hypothecation, or third-party guarantor needed.
Same-Day Direct Bank Disbursal
Fast-track digital underwriting with immediate fund transfer directly to your bank account upon verification.
Flexible Tenures from 12 to 84 Months
Choose customized repayment tenures from 1 to 7 years with predictable, fixed monthly EMI schedules.
Multi-Bank Comparison Across 50+ Lenders
Compare live offers from HDFC, ICICI, SBI, Axis, Kotak, Tata Capital to lock in lowest rate and lowest processing fee.
Zero End-Use Restrictions
Deploy funds freely for medical emergencies, home renovation, dream weddings, international travel, or debt consolidation.
Paperless 100% Digital Journey
Upload soft copies via WhatsApp or portal with rapid automated credit appraisal and e-mandate signing.
Eligibility Criteria & Required Documents
Minimal paperwork with 100% digital verification across premier lenders.
Eligibility Criteria
Basic qualifications to apply- check_circle Employment: Salaried employee with leading corporate, MNC, public sector, or established private limited firm.
- check_circle Minimum Salary: Net take-home salary of ₹20,000/month in Delhi NCR.
- check_circle Age Bracket: 21 to 58 years of age.
- check_circle Credit Profile: Minimum 700+ CIBIL score with clean credit card and EMI history.
Documentation Checklist
Soft copies accepted via digital upload- description Identity & Address: PAN Card, Aadhaar Card, Passport / Voter ID.
- description Income Proofs: Latest 3 months salary slips, Form 16 / latest ITR.
- description Banking: Last 6 months salary account bank statements in original PDF format.
- description Job Proof: Company ID card, official corporate email verification.
Personal Loan — Partner Bank Interest Rates (2026)
Live rates compared across 50+ Scheduled Commercial Banks & NBFCs
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| HDFC Bank | 9.99% - 15.00% | Up to 1.50% | Up to 6 Years | |
| ICICI Bank | 10.25% - 15.00% | Up to 1.50% | Up to 6 Years | |
| State Bank of India (SBI) | 9.99% - 13.50% | Zero to 1.00% | Up to 6 Years | |
| Axis Bank | 10.45% - 15.50% | Up to 1.50% | Up to 5 Years | |
| Kotak Mahindra Bank | 10.40% - 15.00% | Up to 1.50% | Up to 5 Years | |
| Tata Capital | 10.75% - 15.50% | 1.49% | Up to 7 Years |
Personal Loan EMI Calculator
Calculate your reducing-balance monthly installments, total interest costs, and view the visual loan breakdown with real-time charts.
Frequently Asked Questions (Personal Loan)
Clear answers to common questions about Personal Loan eligibility, process, and interest rates.
How quickly can a personal loan be approved and disbursed?
Once basic KYC and salary slips are submitted digitally, in-principle sanction happens in 2 hours and funds are disbursed same day.
Can I prepay my personal loan before the tenure ends?
Yes, leading banks allow part-prepayment or full foreclosure after 6 to 12 monthly EMIs with minimal or zero charges.
Does applying through Proloan India hurt my CIBIL score?
No. We perform soft multi-bank eligibility matching that safeguards your bureau score while securing the best terms.
Ready to Secure the Best Personal Loan?
Our senior underwriting specialists compare 50+ lenders to lock in the lowest interest rate and maximum loan sanction with zero upfront brokerage.
Working Capital & CC/OD
Cash Credit & Overdraft Limits to Accelerate Daily Cash Flow!
Flexible
Working Capital Limits
CC/OD limits, letter of credit, and invoice discounting to maintain healthy corporate liquidity.
Working Capital Overview
Keep your day-to-day operations smooth and cash flow healthy with flexible Working Capital loans, Overdraft (OD) limits, and Cash Credit (CC) facilities tailored for manufacturers, traders, and growing businesses.
| Interest Rates | 9.00% p.a.* |
| Maximum Funding | Up to ₹5 Crores |
| Repayment Horizon | 1 Year (Renewable) |
| Disbursal Turnaround | 48 Hours |
| Upfront Charges | Zero Advance Cash Fees (100% Free Consultation) |
Apply for Working Capital
Compare instant quotes across 50+ banks with zero upfront charges.
Working Capital — Features & Benefits
Key product features, flexibility, and loan sanction advantages tailored for you.
Pay Interest Only on Utilized Amount
With revolving Overdraft (OD) and Cash Credit (CC) limits, interest is billed strictly on the utilized balance and active days.
Collateral-Free Options up to ₹2 Crores
Unsecured working capital lines sanctioned based on rolling 12-month GST filings and banking surrogate cash flows.
Quick 48-Hour Sanction SLA
Streamlined credit appraisal to meet immediate raw material procurement, payroll, and seasonal inventory needs.
Seamless Annual Limit Renewal
Automatic annual limit review and enhancement as your business turnover and merchant receivables grow.
Multiple Structured Credit Formats
Choose from Cash Credit (CC), Dropline Overdraft, Trade Credit, and Letter of Credit (LC) / Bank Guarantee (BG).
Direct Supplier & Vendor Financing
Fund procurement directly to domestic and international vendors to secure upfront trade cash discounts.
Eligibility Criteria & Required Documents
Minimal paperwork with 100% digital verification across premier lenders.
Eligibility Criteria
Basic qualifications to apply- check_circle Business Vintage: Minimum 2 years of continuous operational vintage with registered business credentials.
- check_circle Annual Turnover: Minimum ₹40 Lakhs+ annual business turnover supported by active GST returns.
- check_circle Entity Categories: Proprietorships, Partnerships, Private Limited Companies, and LLPs.
- check_circle Credit Health: Minimum 680+ CIBIL score with healthy current account throughput.
Documentation Checklist
Soft copies accepted via digital upload- description Entity KYC: PAN Card of Promoters & Firm, Aadhaar, MOA & AOA / Partnership Deed.
- description Business Registrations: GST Registration, Udyam MSME Certificate, Shop Act license.
- description Financial Statements: Last 2 years audited ITR, Balance Sheets, Profit & Loss with CA audit report.
- description Banking & GST: Last 12 months current account bank statements and 12 months GSTR-3B & GSTR-1 returns.
Working Capital — Partner Bank Interest Rates (2026)
Live rates compared across 50+ Scheduled Commercial Banks & NBFCs
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| HDFC Bank | 9.50% - 13.50% | Up to 1.00% | 1 Year (Renewable) | |
| State Bank of India (SBI) | 9.00% - 12.50% | 0.35% - 0.50% | 1 Year (Renewable) | |
| ICICI Bank | 9.75% - 13.50% | 0.75% - 1.00% | 1 Year (Renewable) | |
| Axis Bank | 9.80% - 14.00% | Up to 1.00% | 1 Year (Renewable) | |
| Punjab National Bank (PNB) | 9.00% - 12.75% | 0.40% | 1 Year (Renewable) | |
| Kotak Mahindra Bank | 9.90% - 13.50% | 1.00% | 1 Year (Renewable) |
Working Capital EMI Calculator
Calculate your reducing-balance monthly installments, total interest costs, and view the visual loan breakdown with real-time charts.
Frequently Asked Questions (Working Capital)
Clear answers to common questions about Working Capital eligibility, process, and interest rates.
How does a Working Capital Overdraft work?
A credit limit (e.g. ₹50 Lakhs) is assigned to your business current account. You can withdraw and deposit funds freely, and interest is charged strictly on the net negative balance on a daily reducing basis.
Is collateral required for working capital?
Unsecured working capital lines up to ₹2 Crores are available based on GST turnover. For limits above ₹2 Crores, collateral options (property/machinery/FD) provide the lowest interest rates.
How often is the working capital limit renewed?
Working capital limits are sanctioned for 1 year and renewed annually based on ongoing audited financials and healthy banking turnover.
Ready to Secure the Best Working Capital?
Our senior underwriting specialists compare 50+ lenders to lock in the lowest interest rate and maximum loan sanction with zero upfront brokerage.
CGT/MSME Loan
Collateral-Free Govt Guarantee Scheme — ROI Starting @ 9.5% p.a.!
CGT/MSME
Business Loan
Collateral-free credit facility up to ₹5 Crores under Credit Guarantee Scheme (CGTMSE) for micro, small & medium enterprises with competitive ROI starting at 9.5% p.a.
CGT/MSME Loan Overview
CGT/MSME (Credit Guarantee Fund Trust for Micro and Small Enterprises) Loan is a flagship credit enhancement scheme launched jointly by the Ministry of MSME, Govt. of India, and SIDBI. It enables micro and small manufacturing and service enterprises to secure collateral-free debt financing up to ₹5 Crores with sovereign guarantee coverage ranging from 75% to 85%.
| Interest Rate Range | 9.50% - 13.50% p.a.* (Starting @ 9.5%) |
| Maximum Sanction Limit | Up to ₹5 Crores (100% Collateral-Free) |
| Repayment Mechanism | Term Loan (Up to 7 Years) / CC & OD Limits |
| Sanction Turnaround | 48 to 72 Hours |
| Prepayment / Foreclosure Charges | 0% (Nil on floating rate facility) |
Request CGT/MSME Assessment
Get pre-approved multi-bank CGT/MSME loan offers with zero upfront brokerage.
CGT/MSME Loan — Key Features & Benefits
Discover how CGTMSE-backed credit empowers micro, small & medium enterprises with 100% collateral-free capital.
100% Collateral-Free Funding
Secure up to ₹5 Crores in business finance without mortgaging residential, commercial, or industrial properties.
Sovereign Guarantee Cover
Backed by CGTMSE (Govt of India & SIDBI) providing 75% to 85% credit risk guarantee directly to lending institutions.
Attractive ROI Starting @ 9.5%
Benefit from subsidized, highly competitive interest rates starting at 9.50% p.a. tailored for compliant MSMEs.
Term Loan & Working Capital
Flexible structure available as Term Loans for machinery & capacity expansion or CC/OD limits for operational cash flow.
Fast-Track 48-72h Sanctions
Automated digital underwriting through multi-bank API integrations ensures swift sanctions with minimal documentation.
Special Priority MSME Subsidies
Concessional guarantee fees and higher guarantee coverage percentages for women-led units, manufacturing units, and startups.
Eligibility Criteria & Required Documents
Transparent underwriting requirements with quick multi-bank digital verification for CGTMSE coverage.
Eligibility Criteria
Who qualifies for a CGT/MSME loan- check_circle Operational Vintage: Minimum 1+ to 2+ years in continuous operations (New MSME units eligible under select bank schemes).
- check_circle MSME Registration: Valid Udyam Registration Certificate is mandatory.
- check_circle Eligible Sectors: Micro & Small Enterprises engaged in Manufacturing, Services, and Wholesale/Retail Trade.
- check_circle Credit Profile: CIBIL score of 680+ for primary promoters with clean repayment history and zero persistent defaults.
Required Documents
Simple digital documentation- description KYC Documents: PAN Card, Aadhaar Card, and Passport Photos of Proprietor, Partners, or Directors.
- description Business Proof: Udyam Registration Certificate, GST Registration Certificate, Partnership Deed / MOA & AOA.
- description Financial Statements: Last 2 to 3 years audited ITR, Balance Sheets, Profit & Loss Statements with CA audit report.
- description Banking & GST Returns: Last 12 months primary current account bank statements and 12 months GSTR-3B filings.
CGT/MSME Loan — Partner Bank Comparison Matrix (2026)
Live rates starting @ 9.5% p.a. and processing fee terms compared across top partner banks.
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Sanction Limit | Action |
|---|---|---|---|---|
| State Bank of India (SBI CGTMSE) | 9.50% - 11.25% | 0.35% - 0.50% | Up to ₹5 Crores | |
| HDFC Bank (MSME CGTMSE Line) | 9.50% - 12.00% | 0.50% | Up to ₹5 Crores | |
| ICICI Bank (Smart MSME CGTMSE) | 9.65% - 12.50% | 0.50% | Up to ₹5 Crores | |
| Axis Bank (MSME Pragati CGTMSE) | 9.75% - 12.75% | 0.50% | Up to ₹5 Crores | |
| Kotak Mahindra Bank (MSME CGTMSE) | 9.70% - 12.50% | 0.45% | Up to ₹5 Crores | |
| Bank of Baroda & PNB (CGTMSE Scheme) | 9.50% - 11.00% | 0.35% | Up to ₹5 Crores |
CGT/MSME Loan EMI & Interest Calculator
Estimate your monthly installment and total repayment with interest starting from 9.5% p.a.
Frequently Asked Questions (CGT/MSME Loan)
Clear answers to common questions about CGTMSE collateral-free eligibility, 9.5% interest rate, and required documentation.
What is a CGT/MSME Loan?
A CGT/MSME loan is a specialized credit facility backed by the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), set up jointly by the Ministry of MSME, Government of India, and SIDBI. It enables registered micro and small enterprises to obtain credit facilities up to ₹5 Crores without pledging third-party property or collateral.
What is the interest rate (ROI) for CGT/MSME loans?
Interest rates for CGT/MSME loans through Proloan India partner banks start from 9.50% p.a. The final rate depends on business vintage, annual turnover, internal credit rating, and the chosen partner bank.
Do I need property collateral for a CGT/MSME loan?
No! The defining feature of the CGTMSE scheme is that loans up to ₹5 Crores are 100% collateral-free. The government trust provides guarantee cover of up to 75% to 85% to the lending institution against default risk.
Is Udyam Registration mandatory for applying?
Yes, having an active Udyam MSME Registration Certificate is a mandatory prerequisite to qualify under CGTMSE guidelines. If your unit is not registered yet, our credit advisors can guide you through the instant online Udyam process.
Can both manufacturing and service businesses apply?
Yes. Both manufacturing enterprises and service sector firms, as well as retail/wholesale traders registered under MSME, are fully eligible to avail CGT/MSME facilities for working capital, plant machinery, or business expansion.
Ready to Secure Your CGT/MSME Loan?
Our senior credit specialists compare 50+ lenders to lock in the lowest 9.5% interest margin and maximum collateral-free sanction under CGTMSE with zero upfront fees.
New & Used Car Loan
Up to 100% On-Road Funding with Flexible EMI Repayment Plans!
Drive Your Dream
Car Loan
Fast processing, competitive interest rates, and up to 100% on-road funding for new and pre-owned vehicles.
Car Loan Overview
Finance up to 80% on-road price for brand new cars and up to 200% valuation for certified pre-owned vehicles. Quick digital approvals, flexible tenures up to 8 years, and competitive rates across top auto lenders.
| Interest Rates | 7.45% p.a.* |
| Maximum Funding | Up to 80% On-Road / 200% Used |
| Repayment Horizon | Up to 8 Years |
| Disbursal Turnaround | 2 - 4 Hours |
| Upfront Charges | Zero Advance Cash Fees (100% Free Consultation) |
Apply for Car Loan
Compare instant quotes across 50+ banks with zero upfront charges.
Car Loan — Features & Benefits
Key product features, flexibility, and loan sanction advantages tailored for you.
Up to 80% On-Road Funding (New Cars)
Funding covering on-road price including vehicle registration, state road tax, and comprehensive insurance.
Up to 200% Valuation on Used Cars
Competitive financing for certified pre-owned cars with funding up to 200% of the evaluated market valuation.
Flexible Tenures up to 8 Years
Customized monthly EMI horizons from 1 to 8 years (96 months) designed to fit your monthly budget.
Preferential Rates from 7.45% p.a.
Lowest auto loan rates starting from 7.45% p.a. for new cars from India's premier public and private banks.
Fast In-Principle Sanction in 2-4 Hours
Digital documentation and automated income checks provide instant in-principle sanction letters.
Zero Hidden Charges & Prepayment Freedom
Transparent loan terms with nominal processing fees and flexible part-prepayment options.
Eligibility Criteria & Required Documents
Minimal paperwork with 100% digital verification across premier lenders.
Eligibility Criteria
Basic qualifications to apply- check_circle Salaried Professionals: Minimum monthly income of ₹20,000 with minimum 1 year total work experience.
- check_circle Self-Employed Borrowers: Minimum 2 years continuous business practice with ITR filing.
- check_circle Age Criteria: 21 to 65 years at loan completion.
- check_circle Bureau Score: Minimum 680+ CIBIL score for instant digital sanction.
Documentation Checklist
Soft copies accepted via digital upload- description KYC: PAN Card, Aadhaar Card, Passport / Driving License.
- description Income Proofs: 3 months salary slips, 6 months bank statements (Salaried) or 2 years ITR (Self-Employed).
- description Vehicle Proofs: Proforma invoice / quotation from authorized car dealer.
- description Used Car Specifics: Copy of vehicle RC, existing insurance copy, and technical evaluation report.
Car Loan — Partner Bank Interest Rates (2026)
Live rates compared across 50+ Scheduled Commercial Banks & NBFCs
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| State Bank of India (SBI) | 7.45% - 8.25% | Zero to ₹1,500 | Up to 8 Years | |
| HDFC Bank | 7.65% - 8.85% | Up to 0.50% | Up to 7 Years | |
| ICICI Bank | 7.75% - 8.95% | Up to 0.50% | Up to 7 Years | |
| Bank of Baroda | 7.45% - 8.35% | Zero to 0.25% | Up to 8 Years | |
| Punjab National Bank (PNB) | 7.45% - 8.40% | Zero to 0.35% | Up to 8 Years | |
| Axis Bank | 7.80% - 9.10% | 0.50% | Up to 7 Years |
Car Loan EMI Calculator
Calculate your reducing-balance monthly installments, total interest costs, and view the visual loan breakdown with real-time charts.
Frequently Asked Questions (Car Loan)
Clear answers to common questions about Car Loan eligibility, process, and interest rates.
What percentage of the car cost can be financed?
For new cars, banks finance up to 80% to 90% of the on-road price. For certified used cars, funding up to 200% of assessed market value is available.
Can I get a car loan for luxury or imported vehicles?
Yes, multi-bank tie-ups support supercars, luxury sedans, electric vehicles (EVs), and commercial utility vehicles.
Can self-employed individuals without audited balance sheets get approved?
Yes, surrogate programs based on banking cash flows, GST returns, or existing car repayment track records are available.
Ready to Secure the Best Car Loan?
Our senior underwriting specialists compare 50+ lenders to lock in the lowest interest rate and maximum loan sanction with zero upfront brokerage.
Global Education Loan
Collateral-Free Financing up to ₹1.5 Cr for Top Universities!
Empower Dreams with
Education Loans
Comprehensive funding for premier domestic and international universities with moratorium benefits.
Education Loan Overview
Pursue higher education in top Indian universities and leading overseas institutions with student-friendly education loans starting from 7.50% p.a., full tuition and living expense coverage, and flexible repayment tenures up to 15 years.
| Interest Rates | 7.50% p.a.* |
| Maximum Funding | Up to 100% Course & Living |
| Repayment Horizon | Up to 15 Years |
| Disbursal Turnaround | 48 Hours |
| Upfront Charges | Zero Advance Cash Fees (100% Free Consultation) |
Apply for Education Loan
Compare instant quotes across 50+ banks with zero upfront charges.
Education Loan — Features & Benefits
Key product features, flexibility, and loan sanction advantages tailored for you.
Up to 100% Comprehensive Financing
Covers full tuition fees, university accommodation, library, books, laptop, travel airfare, and living expenses.
Concessionary Student Rates from 7.50% p.a.
Preferential interest rates for students admitted to premier Indian (IIT, IIM, AIIMS) and Ivy League global universities.
Moratorium Repayment Holiday
Repayment holiday during the entire course duration plus 6 to 12 months grace period after graduation or job placement.
Collateral-Free Loans up to ₹50 Lakhs
Fast-track unsecured education financing based on admission offer letter, GRE/GMAT scores, and co-applicant profile.
Fast Pre-Visa In-Principle Sanction
Official sanction letters issued within 48 hours to fulfill visa financial proof criteria for USA, UK, Canada, Australia, etc.
100% Tax Deductions Under Section 80E
Claim full tax deductions on interest paid towards the education loan without any upper financial cap for 8 consecutive years.
Eligibility Criteria & Required Documents
Minimal paperwork with 100% digital verification across premier lenders.
Eligibility Criteria
Basic qualifications to apply- check_circle Nationality: Indian national holding confirmed admission in recognized college/university in India or overseas.
- check_circle Academic Merit: Consistent academic record with minimum 60% marks in 10th, 12th, and graduation.
- check_circle Approved Programs: Graduation, Post-Graduation, MBA, MS, Engineering, Medicine, and vocational professional courses.
- check_circle Co-Applicant: Employed or business parent, guardian, or spouse with stable income profile.
Documentation Checklist
Soft copies accepted via digital upload- description Student Documents: Admission offer letter with course fee structure, academic mark sheets, entrance scorecards (GRE/IELTS/GMAT).
- description Student KYC: PAN Card, Aadhaar Card, Passport copy.
- description Co-Applicant KYC & Income: PAN Card, Aadhaar, latest 3 months salary slips or 2 years ITR, 6 months bank statements.
- description Collateral Documents: (If applicable for high-value loans above ₹50L) Property title deeds, chain documents.
Education Loan — Partner Bank Interest Rates (2026)
Live rates compared across 50+ Scheduled Commercial Banks & NBFCs
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| State Bank of India (SBI) | 7.50% - 9.75% | Zero to ₹10,000 | Up to 15 Years | |
| Punjab National Bank (PNB) | 7.50% - 9.80% | Zero to 1.00% | Up to 15 Years | |
| HDFC Credila | 8.75% - 11.00% | Up to 1.00% | Up to 15 Years | |
| Avanse Financial | 9.25% - 11.50% | 1.00% - 1.50% | Up to 15 Years | |
| ICICI Bank | 8.50% - 10.50% | Up to 1.00% | Up to 15 Years | |
| Bank of Baroda | 7.50% - 9.85% | Zero | Up to 15 Years |
Education Loan EMI Calculator
Calculate your reducing-balance monthly installments, total interest costs, and view the visual loan breakdown with real-time charts.
Frequently Asked Questions (Education Loan)
Clear answers to common questions about Education Loan eligibility, process, and interest rates.
Does the education loan cover living expenses abroad?
Yes. Up to 100% funding covers tuition fees, hostel accommodation, meals, health insurance, airfare, books, and laptops.
When does repayment begin?
Repayment of principal begins only after the moratorium period ends — which is the entire course duration plus 6 to 12 months after course completion.
What are the tax benefits on an education loan?
Under Section 80E of the Income Tax Act, you can deduct the entire interest paid on an education loan from your taxable income with zero upper ceiling for 8 years.
Ready to Secure the Best Education Loan?
Our senior underwriting specialists compare 50+ lenders to lock in the lowest interest rate and maximum loan sanction with zero upfront brokerage.
Machinery & Equipment Loan
Heavy Equipment Financing up to ₹10 Crore with Quick Disbursals!
Upgrade & Scale with
Machinery Loans
Term loans for manufacturing, medical, and industrial machinery acquisition with rapid sanctions.
Machinery Loan Overview
Acquire industrial machinery, manufacturing tools, medical diagnostic equipment, and commercial equipment with up to 90% invoice financing and tenures up to 7 years without straining daily working capital.
| Interest Rates | 8.75% p.a.* |
| Maximum Funding | Up to ₹5 Crores |
| Repayment Horizon | 1 - 7 Years |
| Disbursal Turnaround | 48 - 72 Hours |
| Upfront Charges | Zero Advance Cash Fees (100% Free Consultation) |
Apply for Machinery Loan
Compare instant quotes across 50+ banks with zero upfront charges.
Machinery Loan — Features & Benefits
Key product features, flexibility, and loan sanction advantages tailored for you.
Up to 90% Proforma Invoice Financing
Fund up to 90% of the invoice value for new, certified used, and imported industrial machinery and manufacturing equipment.
Preserve Vital Working Capital
Acquire modern plant equipment without locking up liquid business cash reserves or operational capital.
Flexible Repayment Horizon up to 7 Years
Structured monthly or seasonal EMI horizons from 1 to 7 years customized to your manufacturing cash flows.
Competitive Rates Starting from 8.75% p.a.
Access competitive asset financing rates from premier commercial banks and NBFCs across India.
Tax Depreciation Benefit Under Section 32
Capitalize machinery assets on your balance sheet and claim substantial tax depreciation benefits annually.
Direct Settlement to Certified Manufacturers (OEMs)
Seamless disbursement directly to certified domestic equipment makers and overseas machinery exporters.
Eligibility Criteria & Required Documents
Minimal paperwork with 100% digital verification across premier lenders.
Eligibility Criteria
Basic qualifications to apply- check_circle Enterprise Vintage: Minimum 2 years of active manufacturing, engineering, healthcare, or industrial operations.
- check_circle Financial Profile: Profitable track record in at least 1 of the last 2 fiscal years with audited balance sheets.
- check_circle Credit Profile: Minimum 680+ CIBIL score for promoters and enterprise.
- check_circle Eligible Sectors: Textiles, CNC/Automotive, Pharmaceuticals, Plastics, Printing/Packaging, Food Processing, Medical Diagnostics.
Documentation Checklist
Soft copies accepted via digital upload- description Equipment Quotation: Proforma invoice / quotation from authorized machinery manufacturer or overseas vendor.
- description Entity Credentials: GST Registration, Udyam MSME Certificate, Factory license, PCB clearance (if applicable).
- description Financial Statements: Last 2 to 3 years audited balance sheets, P&L statements, CA audit reports.
- description Banking Proofs: Last 12 months primary current account bank statements and 12 months GSTR-3B filings.
Machinery Loan — Partner Bank Interest Rates (2026)
Live rates compared across 50+ Scheduled Commercial Banks & NBFCs
| Lender / Institution | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| HDFC Bank | 8.75% - 13.00% | Up to 1.00% | Up to 7 Years | |
| State Bank of India (SBI) | 8.75% - 12.50% | 0.50% | Up to 7 Years | |
| ICICI Bank | 9.00% - 13.25% | 0.75% - 1.00% | Up to 7 Years | |
| Tata Capital | 9.25% - 13.50% | 1.00% | Up to 6 Years | |
| Bajaj Finserv | 9.50% - 14.00% | 1.00% | Up to 5 Years | |
| Kotak Mahindra Bank | 9.25% - 13.50% | 1.00% | Up to 7 Years |
Machinery Loan EMI Calculator
Calculate your reducing-balance monthly installments, total interest costs, and view the visual loan breakdown with real-time charts.
Frequently Asked Questions (Machinery Loan)
Clear answers to common questions about Machinery Loan eligibility, process, and interest rates.
Can I finance imported or second-hand machinery?
Yes. Both new indigenous machinery and certified imported/refurbished equipment with residual useful life are eligible for financing.
Is collateral other than the machinery required?
In most cases, the hypothecation of the machinery itself serves as the primary security. Zero additional property collateral is required for loans up to ₹2 Crores.
How is the loan disbursed?
Disbursement is made directly to the equipment manufacturer/vendor against the certified proforma invoice and delivery proof.
Ready to Secure the Best Machinery Loan?
Our senior underwriting specialists compare 50+ lenders to lock in the lowest interest rate and maximum loan sanction with zero upfront brokerage.
Free CIBIL Credit Check
Check Bureau Score & Multi-Bank Eligibility with Zero Impact!
Instant & Free
Credit Score Check
Verify your credit profile, debt-to-income ratio, and multi-bank borrowing capacity with zero cost.
Official CIBIL Verification & Multi-Bank Sanction
Submit your verified KYC details. We inspect your genuine bureau report across 50+ partner banks with zero impact on your credit score. Zero fake algorithms. 100% authentic banking advisory.
Application Logged for Multi-Bank Bureau Sanction
Hello Borrower, your PAN (XXXX) and loan requirement of ₹25,00,000 have been registered in our underwriter queue.
To sanction your file at lowest bank interest rates, lenders require your official bureau report. Use these 100% free, RBI-mandated options (no fees charged):
Once you receive your credit report PDF, forward it directly to our Indirapuram loan underwriting desk. We will match your file with HDFC, ICICI, SBI & Bajaj for the lowest interest rate.
100% Genuine Credit Assessment
Unlike automated simulator tools that guess random credit scores, Proloan India provides **100% real human underwriting**. We evaluate your actual repayment track, active credit accounts, and FOIR (Fixed Obligation to Income Ratio) across our 50+ partner banks.
Why CIBIL Inspection is Mandatory
No bank or NBFC in India sanctions a loan without reviewing your full credit report. By reviewing your report with our underwriting team first, we identify any 30/60/90 DPD delays or settlements, match you with the right lender, and **eliminate the risk of bank rejection**.
Direct DSA Tie-Ups Across Delhi NCR
We negotiate directly with credit managers at HDFC, ICICI, SBI, Axis, Bajaj Finserv, Tata Capital, and Kotak to get you preferential interest rates and maximum sanction amounts.
How Your CIBIL Score Impacts Your Interest Rate & Sanctions
Lenders use risk-based pricing. A higher credit score can save you between ₹3 Lakhs to ₹12 Lakhs in total interest over your loan tenure.
| CIBIL Bracket | Rating Tier | Housing Loan ROI | Property Loan (LAP) | Business Loan | Processing Fee | Approval Rate |
|---|---|---|---|---|---|---|
| 750 - 900 | Excellent | 7.00% - 7.50% | 8.40% - 8.90% | 10.45% - 11.50% | 100% Waiver Negotiable | 99% (Instant Sanction) |
| 700 - 749 | Good | 8.65% - 8.95% | 9.75% - 10.25% | 13.00% - 15.0% | Standard Bank Rate | 85% (Fast-Track) |
| 650 - 699 | Average | 9.25% - 9.85% | 10.50% - 11.50% | 15.00% - 18.0% | Rack Rate + Tax | 65% (Additional Income Proof) |
| Below 650 | Low CIBIL Desk | Custom NBFC Matrix | 11.00% - 13.50% | Collateral Backed | Risk Premium Applied | Manual Underwriting Call |
The 5 Crucial Factors That Determine Your Credit Score
CIBIL uses proprietary algorithmic weights. Focusing on the top two factors alone controls 65% of your final score.
Repayment Track Record
Consistency in paying credit card minimums and monthly loan EMIs on or before the due date. Even a single 30-day delay (DPD) can slash 40-70 points.
Credit Utilization Ratio (CUR)
The percentage of your total available credit card limit used every billing cycle. Using more than 30% indicates credit hunger and increases lender risk.
Credit History Age (Vintage)
The average age of all your open credit accounts. Older accounts with spotless payment histories build strong institutional credit reliability.
Credit Mix (Secured vs Unsecured)
A healthy balance of secured debt (Home Loans, Auto Loans, LAP) versus unsecured debt (Personal Loans, BNPL, Credit Cards) improves credit diversity.
Recent Hard Inquiries
Applying to multiple banks directly within a short timeframe triggers multiple "hard inquiries," which knocks off points. Proloan checks eligibility via soft inquiry.
Low CIBIL or Disputed Record?
Our ex-bank underwriter team prepares manual justification notes for Zonal Credit Committees to obtain special approval waivers.
Financial EMI Calculator
Accurately calculate monthly EMIs and interest payouts.
Smart Borrowing & Insights
Expert Tax Strategies & Underwriter Loan Masterclasses!
Smart Borrowing &
Loan Insights
Expert tax strategies, CIBIL recovery blueprints, and multi-bank loan comparison guides written by senior underwriters.
The 2026 Home Loan Masterclass: How Smart Borrowers Save ₹5 to ₹15 Lakhs on Total Interest Payouts
Most homeowners end up paying more than 100% of their principal in interest alone over a 20-30 year tenure! Discover how combining balance transfers, step-up EMIs, and strategic 10% annual part-prepayments can cut your repayment horizon by up to 9 years.
Latest Financial Guides & Borrowing Strategies
Claim Maximum Tax Deductions Under Sec 80C, 24(b) & 80EEA on Housing Loans
Understand how married couples and co-applicants can claim up to ₹7 Lakhs annually in combined tax exemptions under Section 24(b) and 80C, and navigate the old vs new tax regime rules.
7 Proven Steps to Elevate Your CIBIL Score Above 750 in Under 90 Days
Low credit score or lingering settled accounts? Learn how credit card utilization under 30%, error disputes on CIBIL portal, and balanced debt types unlock instant 0.40% interest rate discounts.
Loan Against Property (LAP) vs Personal Loan: Why Smart Asset Owners Always Choose LAP
Why pay 11%-16% on short 3-year personal loans when your residential or commercial real estate can unlock ₹50L+ at 9.25% with comfortable 15-year tenures and 60% lower monthly installments?
Lease Rental Discounting (LRD): Unlocking Immediate Liquid Capital From Commercial Rent
Have long-term tenants like banks, retail chains, or MNCs? Learn how LRD allows you to convert future 10-15 year rent checks into an immediate multi-crore lump sum at low mortgage interest rates.
Balance Transfer & Top-Up: When and How Switching Lenders Saves Maximum Money
Calculate your true break-even point considering MODT charges, valuation fees, and rate differentials. How a 0.50% reduction generates ₹4.2 Lakhs in net pocket savings plus high-value top-up liquidity.
Reducing Balance vs Flat Interest Rate: Don't Fall into High-Cost Traps!
A quoted "7% flat rate" is actually equal to a staggering 13% reducing balance rate! Demystify the mathematics behind bank loan amortization schedules and protect your hard-earned wealth.
Have a Specific Loan Question or Complex Case?
Get 100% free, objective advice from our senior credit managers in Delhi NCR.
Complete Loan Document Checklist Hub
Be 100% bank-ready before applying. Ensure all required documentation is assembled for 24-48 hour sanction turnaround.
- PAN Card (Self-Attested)
- Aadhaar Card with linked mobile number
- Current Residence Proof (Electricity/Passport/Rent Agreement)
- 2 Passport size color photographs
- Latest 3 months Salary Slips with company stamp
- Latest 2 years Form 16 (Part A & Part B)
- Latest 6 months Salary Account Bank Statement (PDF)
- Existing loan repayment track records (Sanction letter + SOA)
50+ Partner Banks & NBFCs
Direct Institutional Tie-Ups with India's Premier Lenders!
Our Lending
Bank Partners
Direct empanelment with 50+ leading public, private, and foreign banks alongside top-tier NBFCs.
Multi-Bank Comparison & Best ROI & NBFCs
Proloan India brings India's top public sector banks, private banking institutions, and leading housing finance companies to one single transparent marketplace.
Featured Primary Institutional Partners
Our 50+ Partner Network by Lending Category
Whether you need the lowest sovereign PSU rate, the fastest private bank digital sanction, or flexible NBFC income underwriting, our direct DSA agreements cover every tier.
State-Owned Banks
Best for borrowers seeking lowest lifetime interest rates linked to RBI Repo Linked Lending Rate (RLLR) and government stability.
- State Bank of India (SBI)
- Punjab National Bank (PNB)
- Bank of Baroda (BOB)
- Union Bank of India
- Canara Bank & Indian Bank
Top Private Banks
Fast-track digital sanction processing, high multi-multiplier loan amounts, doctor overdraft facilities, and seamless doorstep verification.
- HDFC Bank Ltd
- ICICI Bank Ltd
- Axis Bank Ltd
- Kotak Mahindra Bank
- IDFC FIRST Bank & YES Bank
Specialized HFCs
Higher flexibility for self-employed, Gram Panchayat approved layouts, Lal Dora properties, and home extensions.
- LIC Housing Finance Ltd
- PNB Housing Finance Ltd
- Tata Capital Housing
- Bajaj Housing Finance Ltd
- Aditya Birla & Godrej Housing
Premier NBFCs
Best for collateral-free business loans, cash-flow appraisals, low CIBIL manual deviations, and quick working capital credit.
- Bajaj Finance Ltd
- Shriram Finance Ltd
- Cholamandalam Investment
- L&T Finance & Poonawalla
- Piramal Capital & Hero Fincorp
Proloan India vs Walking into a Direct Bank Branch
Why thousands of smart borrowers across Delhi NCR prefer Proloan India over visiting individual branch counters.
| Evaluation Parameter | Proloan India Advisory | Walking Directly into a Bank Branch |
|---|---|---|
| Lender Product Options | 50+ Top Banks & NBFCs compared in 1 single file | Only 1 single bank's own rigid internal product |
| Interest Rate Negotiation | Direct Multi-Bank Preferential Rates (0.25% - 0.50% lower ROI) | Standard retail branch rack rate (Rarely negotiable) |
| Processing Fee Concession | Up to 100% waiver negotiated directly with Zonal heads | Full 0.50% - 1.00% + 18% GST charged upfront |
| Doorstep KYC & Paperwork | 100% Free doorstep pickup & document preparation | Borrower must stand in queues and make 4-6 visits |
| Complex Income & Low CIBIL Handling | Ex-bank underwriter advocacy & deviation notes | Immediate algorithmic rejection or file return |
| Cost to Borrower | ₹0 Upfront Fee (Paid directly by lending banks) | High branch application fees + documentation charges |
About Proloan India
Delhi NCR's Premier Multi-Bank Financial Consultancy!
About
Proloan India
Empowering individuals, medical professionals, and MSMEs across Delhi NCR with objective credit advisory.
How We Get Your Loan Approved at the Lowest Rate
From application to sanction, our dedicated advisors manage all bank coordination and doorstep paperwork.
Eligibility Check
We review your income, banking, and CIBIL profile with zero hard inquiries to identify your best borrowing options.
Rate Comparison
We compare live offers across 50+ lenders to secure wholesale DSA rates and negotiate processing fee waivers.
Doorstep Document Pickup
Our verification officer collects self-attested photocopies directly from your home or office anywhere in Delhi NCR.
Fast-Track Sanction
Sanction letter issued in 24–48 hours, followed by prompt bank disbursement and lifetime interest rate advisory.
Trusted by 1,000+ Borrowers
Across Delhi NCR
Read authentic Google & Justdial reviews from doctors, entrepreneurs, and homeowners who received quick loan approvals and lowest interest rates through Proloan India.
Contact Our Loan Desk
Speak Directly with Senior Relationship Managers Today!
Connect with Our
Advisory Team
Reach out for personalized consultation, branch visits, or instant eligibility verification.
Let's Discuss Your Financing Goals
Have a question about home loan eligibility, balance transfers, or property mortgage in Delhi NCR? We guarantee a personal callback within 30 minutes.
WhatsApp Support: +91 8368426125 (Mon-Sat, 9:30 AM - 7:00 PM)
Our executives only collect self-attested photocopies. Original title deeds always remain in your custody until final bank registration. We charge zero upfront cash fees.
Schedule Free Doorstep Consultation
Fill the details below. Our senior underwriter will evaluate your profile and contact you within 30 minutes.
Find Us on Google Maps
Visit our registered office in Indirapuram, Ghaziabad for face-to-face loan structuring, physical file submission, or direct branch consultations.
ProLoan India Head Office
Indirapuram, Ghaziabad, UPHimalaya Legend, Makanpur, Nyay Khand 2, Indirapuram, Ghaziabad, Uttar Pradesh 201014
Track Loan Application
Real-Time Multi-Bank Application Tracking & Live Sanction Status!
Real-Time
Application Tracking
Check exact verification, underwriting, sanction, and disbursal milestones for your submitted application across 50+ partner banks.
Look Up Application Status
Enter your Application Reference ID or registered 10-digit mobile number
Track Your Loan File Progression
Enter your unique Application Reference ID (e.g. PL-2026-10492 or PL-CIBIL-78921) or registered 10-digit mobile number above to view real-time underwriting milestones.
No Application Record Found
We could not find an active loan file matching your search. Please verify your Reference ID or 10-digit mobile number.
Applicant: Rajesh Sharma | Registered: +91 98123 45678