Vashnavi Fintech
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Loan Portfolio

Comprehensive Financing & Loan Solutions

Explore customized credit schemes designed to fuel your personal dreams and business ambitions with minimal paperwork and competitive interest rates.

Transparent Lending

Select the Ideal Loan Scheme for Your Needs

From instant collateral-free personal credit to large-scale MSME and housing mortgages, we have you covered.

From 10.49% p.a.
Instant Personal Loan
UNSECURED LOAN

Instant Personal Loan

Quick multi-purpose funds for medical needs, travel, home renovation, or debt consolidation without pledging any asset.

  • Loan Amount: As per eligibility
  • Tenure: 12 to 60 Months
  • Approval Time: 30 Minutes
  • 100% Digital e-KYC Verification
From 11.99% p.a.
Business and MSME Loans
COMMERCIAL CREDIT

Business & MSME Loan

Collateral-free working capital and growth capital for traders, manufacturers, service providers, and startups.

  • Loan Amount: As per eligibility
  • Tenure: 12 to 84 Months
  • Sanction: 48 Hours Express
  • Tax Deductible Interest Expense
From 8.40% p.a.
Home Loans and Housing Finance
HOUSING FINANCE

Home Loan & Transfer

Purchase a flat, construct your own house, buy a residential plot, or transfer your existing high-cost home loan with top-up.

  • Loan Amount: As per eligibility
  • Tenure: Up to 30 Years
  • Up to 90% Property Cost Funded
  • PMAY Subsidy Assistance
From 9.25% p.a.
Loan Against Property
SECURED MORTGAGE

Loan Against Property (LAP)

Unlock high-value liquidity by mortgaging your residential, commercial, or industrial real estate while retaining full property usage.

  • Loan Amount: As per eligibility
  • Tenure: Up to 15 Years
  • Up to 70% Loan-to-Value (LTV)
  • Lower EMIs than Personal Loans
From 0.79% p.m.
Instant Gold Loan
INSTANT CASH

Instant Gold Loan

Fastest way to get funds against your gold ornaments in 20 minutes with minimal KYC documents and zero income proof.

  • Loan Amount: As per eligibility
  • Disbursal: 20 Minutes OTC
  • 100% Insured Bank Vault Storage
  • Bullet & Monthly Interest Options
From 8.75% p.a.
Vehicle and Auto Loans
AUTO FINANCE

Vehicle & Auto Loan

Drive home your new or pre-owned car, commercial truck, or two-wheeler with up to 100% on-road financing.

  • Loan Amount: As per eligibility
  • Tenure: Up to 84 Months
  • Up to 100% On-Road Funding
  • Quick Sanction with Dealership Tie-ups
Rate Matrix

Transparent Loan Rate & Fee Comparison

Check interest rates, tenure limits, and processing charges across all our financing categories.

Loan Product Interest Rate (p.a.) Loan Limit Max Tenure Processing Fee Action
Instant Personal Loan 10.49% - 18.00% As per eligibility 5 Years 1.0% to 2.0% + GST Enquire
Business & MSME Loan 11.99% - 21.00% As per eligibility 7 Years 1.25% to 2.5% + GST Enquire
Home Loan & Transfer 8.40% - 10.50% As per eligibility 30 Years 0.5% (Max ₹10,000) Enquire
Loan Against Property (LAP) 9.25% - 12.50% As per eligibility 15 Years 0.75% to 1.5% Enquire
Instant Gold Loan 9.50% (0.79%/mo) As per eligibility 24 Months Nil to ₹500 Enquire
Vehicle & Auto Loan 8.75% - 13.50% As per eligibility 7 Years 0.5% to 1.0% Enquire
Hassle-Free Requirements

General Eligibility & Document Checklist

Minimal paperwork ensures smooth and rapid credit sanction.

Eligibility Guidelines

  • Citizenship: Resident Indian citizen aged between 21 and 65 years.
  • Salaried Profile: Minimum net monthly salary of ₹18,000 with 6+ months in current job.
  • Self-Employed / MSME: Minimum 2 years of business continuity with positive ITR.
  • Credit Score: CIBIL / Experian score of 650 or above for fastest approvals.

Required Documents

  • Identity & Address Proof: PAN Card, Aadhaar Card, Passport, or Voter ID.
  • Income Verification: Last 3 months salary slips or last 2 years ITR returns.
  • Banking Record: Last 6 months bank account statements (e-Statement PDF).
  • Property / Asset Docs: Property title deeds for Home Loans & LAP.

Need Guidance Choosing the Right Loan?

Our experienced loan counselors will assess your profile and suggest the most economical scheme with lowest interest rates.