Twelve lending books.
Gold is one book of twelve, not the whole house. Four secured retail books, four project and enterprise books, and four structured books we take on selectively. Every one of them is assessed by a person who has seen the security.
If it can be secured, assessed and written down in plain terms, it is worth bringing to us. Where a proposal does not fit one of the twelve books as printed, we will say so, and say what we can do instead.
The five we lend most.
Gold loan
Against ornaments. Weighed, documented and disbursed across the counter the same day.
Vehicle loan
New and used, personal and commercial, across all three states we lend in.
Loan against property
Residential and commercial security. We visit the property before we price it.
Business finance
Working capital for trading houses, structured to follow the season rather than the calendar.
Real estate finance
Project and inventory finance for builders whose last three projects we can name.
Retail and enterprise lending
-
From 12% per annum
Gold loan
Against ornaments. Weighed, documented and disbursed across the counter the same day.
-
From 13.5% per annum
Vehicle loan
New and used, personal and commercial, across all three states we lend in.
-
From 11.5% per annum
Loan against property
Residential and commercial security. We visit the property before we price it.
-
From 14% per annum
Business finance
Working capital for trading houses, structured to follow the season rather than the calendar.
Project and enterprise
-
On assessment
Real estate finance
Project and inventory finance for builders whose last three projects we can name.
-
On assessment
Construction finance
Milestone-linked finance for contractors and small developers.
-
From 16% per annum
Micro-finance
Small-ticket lending to traders and self-employed borrowers, individually and in groups.
-
On assessment
Film finance
Production and post-production finance for the Tamil and Malayalam industries.
Structured and selective
-
On assessment
Startup funding
Structured debt and venture-style facilities for early-revenue companies.
-
On assessment
Angel investing
Direct equity participation in businesses we understand and can help.
-
On assessment
Acquisition finance
Structured facilities for owners buying out a business, a partner or an asset.
-
On assessment
Debt restructuring
Rescheduling and consolidation for borrowers whose circumstances have changed.
All twelve, side by side.
One row for each book. Rate, ticket, tenure, decision. Compare before you enquire.
| Book | Indicative rate | Ticket size | Tenure | Typical decision |
|---|---|---|---|---|
| Gold loan | From 12% per annum | ₹25,000 to ₹25,00,000 | Up to 36 months | Same day |
| Vehicle loan | From 13.5% per annum | ₹1,00,000 to ₹50,00,000 | Up to 84 months | 2-3 days |
| Loan against property | From 11.5% per annum | ₹5,00,000 to ₹5,00,00,000 | Up to 180 months | 7-10 days |
| Business finance | From 14% per annum | ₹2,00,000 to ₹2,00,00,000 | Up to 60 months | 5-7 days |
| Real estate finance | On assessment | On assessment | Up to 120 months | On assessment |
| Construction finance | On assessment | On assessment | Up to 96 months | On assessment |
| Micro-finance | From 16% per annum | ₹25,000 to ₹5,00,000 | Up to 24 months | 3-5 days |
| Film finance | On assessment | On assessment | Up to 36 months | On assessment |
| Startup funding | On assessment | On assessment | Up to 60 months | On assessment |
| Angel investing | On assessment | On assessment | On assessment | On assessment |
| Acquisition finance | On assessment | On assessment | Up to 84 months | On assessment |
| Debt restructuring | On assessment | On assessment | On assessment | On assessment |
Rates shown are indicative. Final terms are set on assessment. Nothing here is an offer of credit.
- 31
- Years lending
- 3
- States served
- 12
- Lending verticals
- ₹5,00,00,000
- Paid-up capital
Bring us the security and we will tell you where you stand.
An enquiry costs nothing and commits you to nothing. Write to us, message us on WhatsApp, or walk into Heeraa Mansion and speak to someone who can actually decide.
