Over time we have helped our corporate clients with fund raising for their personal requirements, such as purchasing a personal asset or raising funds to invest in their companies. With that experience we have started a division which will focus purely on retail fund raising for our own corporate clients and clients sourced externally for the purpose. The fund-raising avenues we provide are as follows:

• Lease Rental Discounting (LRD)

LRD work on the premise of rental properties being owed a fixed amount of rent. Tenants enter into a lease with the owner of the property. This agreement mandates a regular payment which is known as rent. The property owner can use rental receipts drawn up for the duration of the lease as collateral while applying for a loan. The process is streamlined as rent is transferred directly to the bank as EMI instead of going to the owner. Each bank has its own criteria as far as the amount of the loan against property is concerned. But, on an average one can get up to 70% of the property valuation in loan amount.bility of drawing power. However, in such cases, banks insist on atleast higher level of collateral.

• Loan Against Property (LAP)

LAP is a secured mortgaged loan offered by banks and financial institutions using one or more commercial property and residential properties offered as collateral. In a LAP the property is mortgaged and a fixed percentage of the prevailing market value of the property (normally between 60-70% of the value of the property) is given to the borrower as a loan. Though such a property is mortgaged to the lender, the borrower is still allowed to continue using it for residential or commercial purposes.

Unsecured Loans (Business loans)

Business Loan is a great option when it comes to expanding your existing Business or starting something new. Some of the salient features of Business Loan are as follows:

• Collateral Free - Business Loans are unsecured loans which mean that no security or collateral is required to apply for a Business Loan.
• Fixed Interest Rate - Business Loan Interest Rates are fixed, which means the Interest Rate will not change for the entire Loan Tenure. The Interest Rate of Business Loan generally starts from 13% onwards.
• Flexible Repayment tenure - The Loan Applicants can get flexible repayment tenure up to 5 years, generally restricted to 3 years
• Loan Amount - The loan amount that one can avail from each institution ranges from Rs. 5 Lakhs to Rs 75 Lakhs. It mostly depends on the financial credibility of the borrower
• Minimal Paperwork and Fast Processing - Since loans are unsecured, it requires minimal paperwork

• Home Loans

Home loan is a lump sum amount of money borrowed from any financial or banking institutions to buy a house. Home loan consists of two types of interest rates named as fixed and floating interest rates. As per the chosen interest rate, consumer repays the loan in form of EMIs for the desired tenure.