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Small Business Loans

If you own a residential or commercial property and require a loan for your business needs, this is the loan for you!

Features & Benefits

Amount upto INR 20 Lakhs

Eligibility typically depends on business turnover, vintage, assessment of cash flows, age on maturity and other key factors.

Tenure up to 48 months

Tenure typically depends on your profile, property age on maturity, type of repayment scheme and other key factors.

Maximum Funding

We fund up to 40% of market value for self-occupied residential properties & 50% of market value for self occupied commercial properties

Minimal Documentation

We keep our documentation simple. In fact, we do not collect any physical documents until we’re sure we can meet your requirements.

Features

Loan Amount: Up to INR 20 Lakhs

Maximum Loan to Value Ratio: 60% for residential properties & 50% for commercial properties

Maximum Tenor: 180 Months

Rates & Charges

  • Processing Fees

    Up to 2% of loan amount plus applicable taxes and levies

  • Interest Rate

    13.5% - 21.5%

  • PLR:

    20.77%

  • PLR less spread

    Less 5.17% - Plus 2.83%

Documentation

Our documentation requirements are structured to ensure that we collect the least number of documents for your loan.

  • Identity Proof
  • Address Proof
  • Income Proof
  • Bank Statement
  • Collateral Document

Please note that depending on the individual case, Vastu Finserve reserves the right to ask for any additional documents as well.