Loan services

Finance options for every important milestone.

Explore eligibility, benefits, processing time and documents required for each loan type before you apply.

Loan documents and financial planning
Detailed services

Every loan type with clear eligibility and document guidance.

Personal Loan

For salaried and self-employed customers needing funds for personal requirements.

  • Eligibility: Monthly income, age, credit profile and repayment capacity are reviewed.
  • Benefits: Fast processing, flexible tenure, multipurpose usage.
  • Processing Time: Usually 24-72 hours after complete documents.
  • Required Documents: PAN, Aadhaar, salary slips or income proof, bank statement, photograph.
Apply for Personal Loan

Business Loan

For business growth, working capital, stock purchase or expansion needs.

  • Eligibility: Business vintage, turnover, bank statements, GST/ITR and repayment capacity are reviewed.
  • Benefits: Collateral-free options may be available, structured repayment and business-focused guidance.
  • Processing Time: Typically 3-7 working days depending on profile and lender checks.
  • Required Documents: KYC, business proof, bank statements, ITR, GST details where applicable.
Apply for Business Loan

Home Loan

For purchase, resale property, construction, balance transfer or top-up requirements.

  • Eligibility: Income, property papers, legal/technical checks and credit profile are considered.
  • Benefits: Long tenure, balance transfer possibilities and top-up support.
  • Processing Time: Usually 5-15 working days after property and document verification.
  • Required Documents: KYC, income proof, bank statement, property documents, photographs.
Apply for Home Loan

Car Loan

For new and used car purchases with lender coordination support.

  • Eligibility: Income, car quotation, credit history and repayment capacity are checked.
  • Benefits: Quick documentation, new/used car options and flexible repayment.
  • Processing Time: Often 24-72 hours after complete documents.
  • Required Documents: KYC, income proof, bank statement, car quotation, photograph.
Apply for Car Loan

Education Loan

For domestic and overseas education funding with co-applicant support.

  • Eligibility: Course, institution, co-applicant income and collateral requirements may apply.
  • Benefits: Covers tuition and selected education-related costs depending on lender policy.
  • Processing Time: Usually 7-15 working days after document completion.
  • Required Documents: Admission letter, fee structure, KYC, academic documents, co-applicant income proof.
Apply for Education Loan

Mortgage Loan

Property-backed finance for high-value personal or business requirements.

  • Eligibility: Property value, ownership, income and credit profile are reviewed.
  • Benefits: Higher ticket size, longer tenure and multipurpose usage.
  • Processing Time: Usually 7-20 working days due to legal and valuation checks.
  • Required Documents: KYC, income proof, property papers, bank statements, valuation/legal documents.
Apply for Mortgage Loan

Loan Against Property

Unlock liquidity from residential, commercial or industrial property.

  • Eligibility: Property ownership, income, credit history and valuation are considered.
  • Benefits: High-value funding, flexible tenure and business/personal usage.
  • Processing Time: Usually 7-20 working days after property verification.
  • Required Documents: KYC, income proof, bank statements, property chain, photographs.
Apply for Loan Against Property

Gold Loan

Short-term funding support against gold jewellery or assets.

  • Eligibility: Gold quality, weight, KYC and lender policy are reviewed.
  • Benefits: Quick liquidity, simple documentation and flexible repayment options.
  • Processing Time: Can be processed quickly after gold evaluation.
  • Required Documents: KYC, photograph and gold asset evaluation details.
Apply for Gold Loan

Credit Card

Credit card assistance for everyday spending, travel, rewards and planned purchases.

  • Eligibility: Income, employment, credit profile and issuer policy are reviewed.
  • Benefits: Multiple card options, reward benefits and convenient digital application support.
  • Processing Time: Processing time depends on issuer verification and completed documents.
  • Required Documents: PAN, Aadhaar, income proof, bank statement and address proof where required.
Apply for Credit Card
Need help choosing?

Talk to Laksh India before selecting a loan.

Our advisor can help you compare eligibility, documentation and processing expectations.