Loan against Property

As it is rightly said, the best investment on earth is earth.

Dhanvarsha’s Loan Against Property helps you leverage your property’s value for all your financial needs .

Loans that assist you in raising finance against your residential, commercial or industrial properties providing quick access to funds at attractive Interest rates.We offer customised Property Loan to salaried and self-employed individuals.

Type of property mortgage:

Self Occupied/Rented Residential and Commercial Properties.

Scheme Offerings:

Income method, Banking surrogate, Liquid Income Program, Low Loan to Valuation, Program & Lease rent discounting

Loan Range:

1 - 50 Lakhs

Loan Tenure:

36 to 120 months

Indicative EMI:

Around 1,613 per Lakh
Self Employed
Non Professional (SENP)

If you are an individual engaged in manufacturing, service sector or trading (whether wholesale or retail, business or profession) other than listed below in Self Employed Professionals (SEP) section.

Non Individual (Entities)

Under the non-individual category, if you are company registered under The Companies Act, 1956 subsequently amended in 2013 or if you are a partnership firm or a limited liability partnership firm in the business of manufacturing, trading (wholesale or retail) or in the service industry. In such cases, the business entity should be the main applicant. In case of proprietorships, the firm should be the main applicant and the proprietor should be a co-applicant.

Self Employed Professionals (SEP)

If you are a practicing doctor, chartered accountant, company secretary, architect or any other professional with an independent practice.

Salaried (Resident Indians Only)

If you are a practicing doctor, chartered accountant, company secretary, architect or any other professional with an independent practice.

This includes applicants working with any of the following institutions / firms: -

Govt. institutions / Semi-Govt. institutions

Public sector undertakings

Private sector companies such as Limited Companies / MNCs & Private Limited Companies

The documents required for availing a loan
with us are simple and include:

  • Application form with passport-sized photographs

  • Photo-Identity proof (Any one)

  • Passport | Pan Card | Voters ID Card | Driving License

  • Address proof: Passport / Aadhar

Property documents

  • Latest Sale deed

  • Property Chain link documents ( Previous Sale deeds of the property )

  • Approved Sanction Plan

  • OC Copy ( if available )

  • Society registration certificate copy( if available )

  • Society Share Certificate Copy( if available )

  • Latest Property Tax receipt

  • Bank statements for the last 12 months

  • Latest utility bill of shop and residence

For Self Employed Non Professional,
Entities and Self Employed Professionals

  • IT Returns for the last 2 years

  • Balance sheet and P/L statement for last 2 years , Audit reports and all schedules

  • Business Vintage proof (3 years vintage in the form of Shop Establishment. Act, Current Ac opening date, Old ITR , etc.

For Salaried Employee

  • Form 16 of latest 1 year

  • Salary slips for last 6months.

Loan against property is a loan given to the borrower against his property mortgaged. LAP is the best asset to leverage for business expansion or personal needs. Unlike unsecured loans, LAP involves a security as a property which the borrower can mortgage, if he is not able to repay the loan.
The loan against property is a secured loan where you pledge tangible assets like a residential home or a commercial shop owned by you to avail funds.
Loan against property can be applied for if you are in need of funds for your business or any personal use by mortgaging any commercial, residential, or industrial property which you can offer as security.
The following documents are required for applying for personal loan
Application form with passport size photograph
Passport, Pan Card, voter id, driving license
Property documents
IT returns for last 3 years
Bank statements
Maintenance bill
All documents require self-attestation
The average tenure for loan against property is from 60 to 180 months.

As an entrepreneur one comes across multiple opportunities every day and consciously chooses to let them pass due to lack of funds

Dhanvarsha offers you a solution for all your business funding requirements to make you truly independent, or “Atmanirbhar”. We provide quick and easy collateral-free business loans, at affordable rates to our customers, with minimal documentation.

We offer a variety
of Business Loans including:

Business Loan for Women ‘Mahila Udyog’

Working Capital Loan

Business Expansion/Modernization Loan

Shop Renovation Loan

Loan for Stocking & Inventory Management

Loan Range:

1 - 10 Lakhs

Loan Tenure:

12 to 36 months

Indicative EMI:

Around 3,615 per Lakh for Business Loans & 6,573 per Lakh for ECEP.
Essential commodities product - Express Loan
Funding for Essential Commodities,
which cater to the daily essentials Sectors, viz.

Medical,

Kirana & General Stores,

FMCG (including Food),

Education and

Information Technology

Description

Range:

Less than 3 Lakhs

Loan Tenure:

12 months to 24 months

Faster turnaround time

Quicker TAT to disburse the Loans

Simpler and easy Loans to the Customers

Self Employed Non Professional (SENP)

If you are an individual engaged in manufacturing, service sector or trading (whether wholesale or retail, business or profession) other than listed below in Self Employed Professionals (SEP) section.

Non Individual (Entities)

Under the non-individual category, if you are company registered under The Companies Act, 1956 subsequently amended in 2013 or if you are a partnership firm or a limited liability partnership firm in the business of manufacturing, trading (wholesale or retail) or in the service industry. In such cases, the business entity should be the main applicant. In case of proprietorships, the firm should be the main applicant and the proprietor should be a co-applicant

Self Employed Professionals (SEP)

If you are a practicing doctor, chartered accountant, company secretary, architect or any other professional with an independent practice.

This includes applicants working with any of the following institutions / firms: -

Govt. institutions / Semi-Govt. institutions

Public sector undertakings

Private sector companies such as Limited Companies / MNCs & Private Limited Companies

  • Completely filled application on Dhanvarsha app with correct name, address & photograph of the primary applicant

  • KYC Documents of applicant and all Co-applicants (Either Property Owner or Female co-applicant mandatory at login stage)

  • (PAN Card, Passport/Aadhaar Card) - PAN is Mandatory for the primary applicant

  • Business Vintage Proof (3 years vintage to be documented)

  • If Owned Residence/Office Address Proof - Utility Bill not older than 3 months in the name of the owner

  • If Rented Residence/Office - Valid rent agreement with utility bill in the name of the landlord required

  • Latest 6 Months Bank Statement Busiess Bank account(Current, OD/CC or Savings from where business is transacted & loans are running)

  • Repayment Track Banking of all active loans as per CIBIL/Financials/Banking of all parties on the loan structure

  • 1/2 years (1 for Micro Million & 2 for other products) ITR alongwith Profit & loss, Balance Sheet & Schedules. If Audited - Form 3 CB, 3CD, Audit Report.

  • Additional Docs for Private Limited Company - Company PAN card, Memorandum of Association (MOA), Articles of Association (AOA), CA Attested SHP

A working capital loan is ideal for you if you are running a business establishment and need working capital funding to attain your goals. We provide unsecured working capital loans and secured working capital loans depending on your requirements.
An Unsecured Working Capital Loan does not require you to provide any collateral security to us, however a Secured Working Capital Loan will require you to mortgage a Residential, Commercial or Industrial Property with us to avail funding.
Visit our website and apply the form by clicking “APPLY NOW” or contact us on “022-67708505 / 022-28264295" for more details. Also download the application from Play Store for more detailed information. -What would be the minimum and maximum amount that can be issued for business loan?
The average tenure of business loan for-
Short Term Working Capital- 12 to 36 months
Long Term Working Capital – 36 to 180 months
The following documents are required for applying for business loan
Application form with passport size photograph
Passport, Pan Card, voter id, driving license
KYC documents including Certificate and proof of business existence
Property documents
IT returns for last 3 years
Bank statements for last 12months
Maintenance bill
All documents require self-attestation
Existing loan tracks either through bank statements or statement od accounts of existing loans
The following are the requirements for applying business loan,
Applicant’s age to be within 25 to 65 years
A healthy CIBIL score and strong credit profile
1 lakh to 25crores
Customization of your businessloan Monthly repayment

Make tomorrow happen today.

Each of us have our wish list that we pursue all through our lives, Whether you want to renovate your home, get married, purchase a vehicle, or take up a skill development course, why wait?

Tomorrow brings its own set of uncertainties. Take the plunge, make it happen today!

At Dhanvarsha, we understand your wishes and strive to be your financing partner for all your needs and life goals.

We offer personal loans to both salaried and business professionals, our personal loans are quick, easy and affordable with flexible terms

We make sure you get the best value to your hard earned money.

Loan Range:

1 - 10 Lakhs

Loan Tenure:

12 to 48 months

Indicative EMI:

Around 2,886 per Lakh

Manufacturing, logistics, services or retail - whatever be your industry, if you have cash blocked in your outstanding invoices, we have you covered. Don't wait to get paid by your clients – get instant money against your invoices.

Get registered as Partners & access instant money against your outstanding invoices. Save cost on your working capital, have liquidity for better bargains, no or minimal collection hassle, speed up your cash cycles for business success

Advantages

Easy & Quick:

Set your limit in a day on submission of documents.

Flexible Repayment:

Don’t worry as we collect from your customer.

Hassle-free Paperwork:

Minimal documentation as the process is majorly digital

Collateral Free:

Get instant and collateral free money on your outstanding invoices as an advance on submission of your documents.