Everything people
actually ask.
Every question from every loan page, in one place, grouped by what you came for. If yours is not here it is because nobody has asked it yet, which is a good reason to ask it.
Gold & Silver Loan
Do I need income proof?
No. A gold loan is secured entirely by the pledged ornaments, so we do not ask for salary slips, tax returns or bank statements.
What if I cannot repay on time?
Speak to us before the due date, not after. Our Fair Practices Code sets out how we handle difficulty, and we will always prefer a restructured schedule to an auction. Auction is a last resort and you receive notice before it happens.
Is my gold safe?
It is held in insured custody on our premises and released only to you against the original receipt. We have done this from this building since 1995.
Automobile Finance
Can I foreclose early?
Yes. Charges, if any, are stated in your sanction letter and in our Interest Rate Policy. No foreclosure charge applies to floating-rate loans to individuals for non-business purposes.
When do I get the NOC?
On full repayment, within the timeframe prescribed by RBI. We issue it without you having to chase us for it.
Real Estate Finance
How long does a property loan take?
Longer than a gold loan and shorter than a bank. Title examination is the step that governs, and it takes as long as the documents require. We will give you a realistic date at the outset rather than an optimistic one.
Can the property be tenanted?
Usually yes, and rental income may support the assessment. The lease terms matter, so bring the agreement.
Corporate & Business Finance
How quickly can you decide?
On a straightforward file with security we can usually give an indicative view within days. That speed is the reason most of our corporate borrowers come to us.
Will you take a second charge?
Considered case by case, depending on the first chargeholder and the headroom available.
Micro-Financing
How small a loan will you make?
Small. This is a business built on small loans and we are not embarrassed by them.
What if I miss an instalment?
Tell us. A missed instalment discussed is a scheduling problem. A missed instalment avoided becomes a recovery problem, which is worse for both of us.
Angel Investing
Do you take a board seat?
Case by case. We would rather be useful than formal.
Startup Funding
How long does a decision take?
Longer than a loan and shorter than a fund. We will tell you early if it is not for us.
Company Acquisition
Will you fund a management buyout?
Yes, where the team has run the business and the security position works.
Do you take equity in the target?
In select cases, where we intend to hold. That is a different conversation from a loan and we will be clear which one we are having.
Movie Financing
Will you fund a first-time producer?
Rarely on rights alone, but yes where collateral supports it.
Ask us the one that is not here.
Explaining this properly is part of the job, not a favour.