.png)
OUR BUSINESSES
CREDIT
- Home Loans
- Business Loans
- Personal Loans
- Education Loans
- Vehicle Loans
- Agri And Rural Financing
Home Loans
.jpg)
We offer Home Loan solutions to our customers for construction, purchase, repair and renovation of residential units and our strength is in our ability to closely understand our customer’s repayment ability and tailor our offerings to that.
We offer loans to all segments where formal income documents are not available and each loan offer is made after assessing the applicant through field investigation and cash flow assessment. Under this Assessed Income program we offer loans upto 2 Crores subject to eligibility.
Business Loans
At Esaar, we understand how every little step makes a huge difference in reaching business goals. To help our customers to meet newer milestones of success every day, we offer a range of customized business loan solutions best suited for our customer’s business requirements.
Along with secured business loan we also provide loan for business without any collateral i.e. unsecured business loan with an effective rate of interest.
Personal Loans
We offer one of the most convenient and easy to get personal loan. We offer a comprehensive range of personal loans, so whether you want a loan for your dream vacation, wedding , home renovation, medical emergency or any other urgent financial requirements, we have got you covered.
Our instant approval on personal loans comes with key features like minimum documentation, maximum flexibility, easy-to-meet eligibility parameters and less than 48 hours disbursal.
Education Loans
Esaar brings you Education Loans for studies both in India and abroad at attractive interest rates. With an Esaar’s Education Loan you can enjoy a host of benefits such as simple documentation, quick loan disbursal, tax benefit u/s 80(E), long repayment tenure, etc. Our education loans aim at providing financial support to aspiring students for pursuing full time & part time course and higher professional education in India and overseas.
Vehicle Loans
At Esaar (India) Limited, we understand your requirements and provide customized Vehicle Loans which will help you pursue the path to success. We cater to your growing needs with an array of attractive finance schemes to suit your varying requirements. Our loan process is simple and hassle free, and best of all, there is no hidden charges.
Agriculture and Rural Finance
Esaar is committed to supporting farmers and agricultural businesses across the nation in facing the unforeseen challenges of the future. We provide financial solutions to the farming community to help them enter a better life.Esaar is offering a range of agriculture loans at attractive rate of interest along withflexible repayment and tenure options which suits our customer’s requirement.
- Demand Loans
- Loan against securities
- Project Loan
- Lease Rental Discounting
- Loan against property
- Commercial Property Loan
Demand Loans
Esaar offers Demand loan, often termed as Working Capital Demand Loan (WCDL) which is basically the ready to repay loan on demand of the lenders. The borrowers have the liberty to repay the amount anytime without facing any pre-payment charges.
We offer demand loan in a form of short-term finance with no fixed tenure. Demand loans are sanctioned by Esaar against some kind of security as goods or stocks, shares, land building or any other assets as well as personal guarantees.
LOAN AGAINST SECURITIES
We understand how much you value your investments and want them to remain with you for a long-term. With our Loan against Securities (LAS) offer, you can meet immediate cash requirements without having to liquidate the securities
Loan amount will be assessed on the basis of investment value, future viability of income and purpose of the loan.The loan amount cannot be used for speculative activities, any purpose linked to capital market activities, or for any anti-social purposes. All credit provided is at the absolute discretion of Esaar (India) ltd.
PROJECT LOANS
(Loan for Real Estate Developers) Large-scale infrastructure and other projects need high levels of debt financing involving long gestation periods. Esaar helps corporations create projections on revenue through its project financing team, helps build loan documentation, and provides advisory services on loan facilities that can be availed depending upon analysis of inherent risks in the project.
LEASE RENTAL DISCOUNTING
Esaar offers loan against rental from leased residential building &commercial property so that borrowers can leverage their property rental receipts to meet business and personal goals. With Lease Rental Discounting, you can utilise rent received from your property to avail of loan for your business, working capital or personal needs. Moreover, there is no additional outflow of money as Equated Monthly Instalment (EMI) is recovered directly from the rent.
LOAN AGAINST PROPERTY
Esaar offers Loan against Property (LAP) for your business or personal needs. You can mortgage both residential and commercial property and enjoy comfortable EMIs with long tenure. The loan amount will be assessed based on your income financials as well as the value of the property. Esaar’s Loan against Property is an excellent debt consolidation tool.
Our high loan amounts also come with longer repayment tenures, all at attractive interest rates. What you see is what you get. With easy to understand terms and conditions, our Loan against property is transparent and comes with zero hidden charges.
COMMERCIAL PROPERTY LOAN
We have developed the product Loan for Commercial Property with an objective of facilitating the purchase, extension, improvement or reconstruction of a commercial property. Esaar India’s commercial loan will help you own the workplace of your choice so that you can take a step closer to your business goals. We offer attractively priced product with an attractive rate of interest.
We also offer the Loan for transferring your outstanding loan availed from another Bank or Financial Institution on attractive terms. We also provide the facility to apply individually or jointly for the loan. The joint owners of the property as well as any close family member an apply for the loan together.
CREDIT
- Startup Loans
- Mentorship
- Seed Funding
STARTUP LOANS
With ample opportunities for new businesses, the Start-up ecosystem is rapidly booming in India. To support the growth of your Start up, Esaar brings to you Start up Loan, a business loan for new businesses that offers up to Rs. 2 Crores. With this customised Start up financing, you can meet various business expenses like overhead, inventory, infrastructure costs, etc.
Start-ups having a business vintage of minimum 3 years are eligible to apply for this Start up business loan in India. All you have to do is fill up an application form, submit a few documents and receive the money in your account.
MENTORSHIP
Mentorship is nothing but a self- sustainable, result-oriented Mentorship Program for startups.
A majority of start-ups lack experiential knowledge and extensive network; it is essential for them to be guided by an team of expert. At Esaar India we provides an opportunity for startups to avail offline mentorship; one-to-one and one-to-many.
Through mentorship, start-ups will be able to realize and develop their potential and also expand their existing skills and knowledge. At the end of the program, startups will be able to reward themselves with positive changes and make informed choices..
SEED FUNDING
In the initial (seed) stage, we look for a great idea that would have a significant chance of success. We want good teams. We don’t require a complete team or even end-to-end plans. But the key technology risks of your approach and the economic benefits need to be identified. Planning for risk elimination at the lowest possible cost is the key variable, from a seed perspective. Your plan should validate your hunches about the market and help you decide what market segment you want to enter.
