Loans
Protecting Your Assets, Powering Your Peace.
What Is a Loan ?
A Loan is a financial arrangement where a lender provides funds to an individual or business for a specific purpose, which the borrower agrees to repay over a defined period along with applicable interest and charges. Loans help meet personal, professional, or business needs without immediate financial strain.
Loans can be secured or unsecured and are structured based on repayment capacity, tenure, and purpose.
Why take a Loan ?
Meet short-term or long-term financial needs
Manage cash flow efficiently
Fund personal or business goals
Avoid liquidation of long-term investments
Benefit from structured repayment options
Types of Loans
Personal Loans
Unsecured loans used for personal needs such as medical expenses, travel, weddings, or emergencies.
Key Features:
No collateral required
Fixed EMI structure
Flexible usage
Quick approval (subject to eligibility)
Home Loans
Loans taken to purchase, construct, or renovate residential property.
Key Features:
Long repayment tenure
Lower interest rates compared to unsecured loans
Tax benefits as per applicable laws
Structured EMIs
Loan Against Property (LAP)
A secured loan where residential or commercial property is pledged as collateral.
Key Features:
Higher loan amount
Lower interest rate than personal loans
Suitable for business or large expenses
Longer tenure
Business Loans
Loans designed to meet business working capital or expansion requirements.
Key Features:
Short- to medium-term tenure
Secured or unsecured options
Helps improve liquidity and growth
Customized repayment structures
Vehicle Loans
Loans for purchasing two-wheelers, cars, or commercial vehicles.
Key Features:
Competitive interest rates
Quick processing
Flexible repayment options
Vehicle acts as collateral
Education Loans
Loans to fund higher education in India or abroad.
Key Features:
Lower interest rates
Moratorium period during study
Tax benefits on interest paid (as applicable)
Covers tuition and related expenses
Loans Against Investments
Loans taken by pledging financial assets such as mutual funds, shares, bonds, or insurance policies.
Allows investors to borrow without redeeming mutual fund units.
Benefits:
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Lower interest rates
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Continued investment growth
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Quick access to funds
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No disruption to long-term goals
Funds raised by pledging shares, bonds, or other securities.
Benefits:
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Higher loan eligibility
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Flexible usage
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Portfolio remains invested
Key Loan Features
Fixed or floating interest rates
EMI-based repayment
Flexible tenure options
Digital application and processing
Transparency in charges
Eligibility Factors
Loan eligibility depends on:
Income and repayment capacity
Credit score and credit history
Employment or business stability
Age and existing liabilities
Value of collateral (for secured loans)
Documents Required
Common documents include:
Identity and address proof
Income proof (salary slips, bank statements, ITR)
Employment or business proof
Asset or investment documents (for secured loans)
Benefits of Choosing the Right Loan
Financial flexibility
Better cash flow management
Lower cost of borrowing
Structured repayment discipline
Achievement of personal and professional goals
Important Points to Consider Before Taking a Loan
Interest rate and total cost
Processing fees and hidden charges
Loan tenure and EMI affordability
Prepayment or foreclosure terms
Impact on credit score
Loans are powerful financial tools when used wisely. Choosing the right loan with suitable tenure, interest rate, and repayment structure helps meet financial goals without unnecessary burden. Whether for personal needs, business growth, or liquidity management, well-planned borrowing supports financial stability and progress.
Investment Solution
Mutual Funds & SIP
A Mutual Fund is an investment vehicle that pools money from multiple investors and invests it in a diversified portfolio of assets such as equities
Fixed Deposit & Corporate FD’s
Fixed Deposits (FDs) have long been a preferred choice for conservative investors seeking assured returns and capital protection. Offered by banks and NBFCs, FDs allow you to deposit
Bonds / NCD
Bonds are fixed-income instruments issued by governments or companies to raise capital, paying periodic interest and returning principal at maturity.
Government Bonds & Debt Instruments
In today’s unpredictable market landscape, many investors look for avenues that offer stability, regular income, and capital preservation.
Insurance
Life Insurance
Life insurance is a financial protection plan that ensures your loved ones remain financially secure in case of your untimely demise.
Health Insurance
Health insurance provides financial protection against medical expenses due to illnesses, accidents, and hospitalization. Even if you are healthy today, medical emergencies can arise at any time.
General Insurance
General Insurance provides financial protection against non-life risks such as accidents, health emergencies, property damage, theft, or liability.
Loans
Loans Against Security
A Loan Against Security is a credit facility where you pledge your financial investments—such as mutual funds, shares, bonds, insurance policies, or fixed deposits
Loans Against Mutual Funds
At Wealthmart Global, our Loans Against Securities (LAS) solution empowers you to access funds without having to liquidate your long-term investments.