Credit options
Borrowing Limit₹ 40,000
Tenure108 Months
Credit · Understand the commitment
Borrow with the full picture in view.
Explore borrowing options for your needs. Compare eligibility, total cost, repayment and the risks of using an asset as security.
PurposeChoose the right route
Total costLook beyond the rate
RepaymentPlan the commitment
Borrowing options
Different needs. Different lending terms.
Compare lenders and products on the same basis. Approval, loan amount and pricing depend on the lender's assessment.
Loan against mutual funds
Borrow against eligible fund holdings
Some lenders accept eligible mutual fund units as security. Check the approved funds, margin requirements, interest and what happens if their value falls.
Lender-approved holdings · Margin conditions apply
ReviewEligibility & total borrowing cost
Loan against securities
Understand the pledge
Eligible shares or securities may support a loan. Compare approved assets, margin calls and the lender's right to sell pledged holdings.
Security is at riskCheck lender terms
Property-backed borrowing
Loan against property
Review property eligibility, valuation, charges, tenure and repayment ability before using a home or commercial property as security.
Valuation requiredProperty is at risk
Other credit needs
Find a relevant borrowing path
Discuss home, personal, business, vehicle, gold or other borrowing needs. Availability and terms vary by lender and product.
Start with your purposeCompare total cost
The application process
From enquiry to a considered decision.
Each lender sets its own steps and timescales. An enquiry or indicative eligibility result is not a loan sanction.
01
Explain your requirement
Tell the lender your purpose, amount and repayment plan. Share information only through its approved channels.
02
Review eligibility & documents
The lender checks identity, income, credit history and any security. Read the fees and key terms before proceeding.
03
Read the sanction terms
Check the rate, charges, repayment schedule and any pledge or mortgage terms. Ask about conditions you do not understand.
04
Complete the lender's process
Disbursal follows the lender's approval and documentation requirements. Keep records and plan repayments.
Consider both sides
Borrowing and selling have different costs.
Keeping an investment does not guarantee future growth. Compare loan costs and risks with the consequences of selling.
Use realistic assumptions. Returns, tax and lending terms depend on your circumstances.
What to compare
Selling an investment
Borrowing against an investment
Tax & charges
Tax and exit costs depend on the asset and holding period.
Interest, fees and security conditions apply. Seek tax guidance where needed.
Market exposure
The sold portion no longer participates in market changes.
Pledged holdings remain exposed to market falls and margin requirements.
Ongoing commitment
No new loan repayment obligation.
Repayments and interest must remain affordable.
Access & flexibility
Consider how a sale affects your financial goal.
Check prepayment charges, release of security and lender exit terms.
Explore the catalogue
Credit products to compare
Review the lender, eligibility and available product details. Confirm current terms before applying.
Credit options
Borrowing Limit₹ 10 Lakhs
Tenure360 Months
Credit options
Borrowing Limit₹ 10 Lakhs
Tenure180 Months
Credit options
Borrowing Limit₹ 10 Lakhs
Tenure360 Months
Credit options
Borrowing Limit₹ 10 Lakhs
Tenure360 Months
Useful next steps
Make the numbers easier to understand.
Use illustrations to explore repayments and costs, then compare them with the lender's actual quote.
Repayment planningEstimate affordability
Explore borrowing calculators
Test how the amount, assumed interest rate and tenure change your repayment illustration.
Compare optionsConsider the costs
Review borrowing and investment decisions
Compare assumptions carefully. Future returns and tax savings are not guaranteed.
Application supportUnderstand the next step
Ask about the lender's process
Find the relevant application route and documents. The lender decides eligibility, sanction and timing.
Common questions
Frequently Asked Questions
Understand the obligation before you apply.
Is an indicative loan limit an approval?
No. The lender's identity, income, credit and security checks determine approval and final terms. Read the sanction letter and repayment obligations before accepting a loan.
Credit facilities are subject to lender underwriting criteria and credit verification. Pledged securities are subject to margin terms.