All Loan Products,
Side by Side
A quick reference before you dive into the details below.
| Loan Product | Collateral | Indicative Tenure | Best Suited For | Processing |
|---|---|---|---|---|
| Personal Loan | Unsecured | 1 – 5 Years | Personal expenses, medical, travel | Fast |
| Business Loan | Usually Unsecured | 1 – 5 Years | Working capital, expansion | Moderate |
| Home Loan | Secured (Property) | 5 – 30 Years | Buying or building a home | Detailed |
| Loan Against Property | Secured (Property) | 5 – 20 Years | Large personal or business needs | Detailed |
| Vehicle Loan | Secured (Vehicle) | 1 – 7 Years | New or pre-owned vehicles | Fast |
| Gold Loan | Secured (Gold) | 3 Months – 3 Years | Quick funds against gold value | Very Fast |
Figures shown are indicative and for general guidance only — actual tenure, terms and processing timelines are decided by the respective lending partner.
Personal Loan
Unsecured funding for personal needs
Personal Loan
A personal loan is designed for situations where you need funds quickly, without pledging any asset as security. It's commonly used for weddings, medical emergencies, travel, home renovation, education, or simply to consolidate other expenses into one manageable repayment.
Because it's unsecured, the loan is largely assessed on your income stability and repayment capacity rather than any collateral. This makes the documentation lighter, but lenders will typically look closely at your income proof and existing financial obligations before approving your application.
| Loan Type | Personal / Unsecured |
| Typical Use | Medical, travel, wedding, education, personal expenses |
| Indicative Tenure | 1 to 5 years |
| Collateral | Not required |
| Basic Eligibility | Stable monthly income, valid ID & address proof |
Business Loan
Working capital & expansion funding
Business Loan
A business loan gives your enterprise the working capital or expansion funding it needs — whether that's managing day-to-day cash flow, purchasing inventory, upgrading equipment, or opening a new location.
Lenders evaluate business loans based on the health and vintage of your business, its cash flow, and your repayment track record. Depending on the lender and loan amount, some business loans may be unsecured while larger amounts may require collateral.
| Loan Type | Business / Working Capital |
| Typical Use | Cash flow, inventory, expansion, equipment |
| Indicative Tenure | 1 to 5 years |
| Collateral | Depends on loan amount & lender |
| Basic Eligibility | Running business with income proof |
Home Loan
Buy or build your dream home
Home Loan
A home loan helps you purchase, construct, or extend a residential property, secured against the property itself. Given the size and duration of this loan, lenders conduct a thorough review of your income, credit history, and the property documents.
Because tenures can run into decades, choosing the right lender and repayment structure matters. We help you understand what to prepare and connect you with lenders whose offerings match your situation.
| Loan Type | Home / Secured |
| Typical Use | Purchase, construction, or extension of a home |
| Indicative Tenure | 5 to 30 years |
| Collateral | The property being financed |
| Basic Eligibility | Stable income, credit history, clear property title |
Loan Against Property
Unlock the value of your property
Loan Against Property
If you already own a residential or commercial property, a loan against property lets you unlock its value for large expenses — business expansion, a child's education, medical needs, or debt consolidation — without selling the asset.
Because the property serves as security, these loans typically offer higher amounts and longer tenures than unsecured options. A clear property title and proper documentation are essential for a smooth process.
| Loan Type | Loan Against Property / Secured |
| Typical Use | Large personal or business expenses |
| Indicative Tenure | 5 to 20 years |
| Collateral | Residential or commercial property |
| Basic Eligibility | Clear property title, stable income |
Vehicle Loan
New & pre-owned vehicle financing
Vehicle Loan
Whether you're buying a new car, bike, or a pre-owned vehicle, a vehicle loan makes it easier to drive home your choice without paying the full amount upfront. The vehicle itself typically serves as security for the loan.
Documentation is generally simpler than property-backed loans, and processing tends to be quick — especially when your income proof and the vehicle quotation are ready in advance.
| Loan Type | Vehicle / Secured |
| Typical Use | New or pre-owned car, bike, commercial vehicle |
| Indicative Tenure | 1 to 7 years |
| Collateral | The vehicle being financed |
| Basic Eligibility | Valid income & ID proof |
Gold Loan
Quick funds against your gold
Gold Loan
A gold loan is one of the fastest ways to access funds — your gold jewellery or coins are evaluated for weight and purity, and a loan is offered against that value. It's a practical option when you need money quickly without a lengthy approval process.
Since the loan is secured by gold, income documentation requirements are typically minimal, making this one of the most accessible loan types for short-term needs.
| Loan Type | Gold / Secured |
| Typical Use | Short-term, urgent fund requirements |
| Indicative Tenure | 3 months to 3 years |
| Collateral | Gold jewellery / coins |
| Basic Eligibility | Proof of gold ownership, ID proof |
Important Disclaimer: All figures on this page (tenure ranges, processing speed, documentation effort) are indicative and for general guidance only. Loan approval, interest rate, loan amount and final terms depend entirely on the eligibility, verification and approval of the concerned lender or financial institution. Shree Capital Finance does not guarantee loan approval.