Loan guides
Loan interest rates today – read from lenders’ websites →
Plain-language guides written with our panel of former bankers, credit analysts and Chartered Accountants – who lends, at what rate, who is eligible and how to apply. Each guide shows today’s starting rates from our lender list.
In Delhi NCR and Pune
Surety bonds for contractors in Greater Noida, Noida and Delhi NCRGet an insurance surety bond in Greater Noida instead of a bank guarantee – bid, performance, advance payment and retention bonds for contractors in Noida, Ghaziabad and Delhi NCR. No margin money. Call +91 87968 91299.Business loan and MSME funding help in Greater NoidaMSME loans, CGTMSE, PMEGP, Mudra, working capital, project reports and surety bonds – funding help from former bankers and Chartered Accountants in Greater Noida, Noida and Delhi NCR. Call +91 87968 91299.Business loans in NoidaMSME loans, CGTMSE, PMEGP and working capital for businesses in Noida.Surety bonds in NoidaInsurance surety bonds instead of bank guarantees for contractors in Noida.Business loans in GhaziabadMSME loans, CGTMSE, PMEGP and working capital for businesses in Ghaziabad.Surety bonds in GhaziabadInsurance surety bonds instead of bank guarantees for contractors in Ghaziabad.Business loans in DelhiMSME loans, CGTMSE, PMEGP and working capital for businesses in Delhi.Surety bonds in DelhiInsurance surety bonds instead of bank guarantees for contractors in Delhi.Business loans in GurugramMSME loans, CGTMSE, PMEGP and working capital for businesses in Gurugram.Surety bonds in GurugramInsurance surety bonds instead of bank guarantees for contractors in Gurugram.Business loans in PuneOffice at Kamala Arcade, JM Road, Shivajinagar. MSME loans, CGTMSE and working capital for Pune businesses.Surety bonds in PuneInsurance surety bonds instead of bank guarantees for contractors in Pune and Pimpri-Chinchwad.
Latest from our credit panel
Home loan balance transfer: is it worth it?When moving your home loan saves money after the repo hike, the real costs and a worked example.Stood guarantor for a loan?What you owe if the borrower stops paying, the CIBIL impact and when you can be released.Mudra loan rejected? What to do next7 common reasons, how to escalate and which other lenders give Mudra loans.PMEGP loan stuck at the bankWhy PMEGP files get stuck after DIC/KVIC sends them, and how to get yours sanctioned.Business loan for a new businessNo ITR yet? PMEGP, Mudra, CGTMSE, Stand-Up India and CGSS for first-time founders.Bank guarantee vs surety bondMargin, cost and bank limits compared for contractors bidding on tenders.Loan with a low CIBIL scoreWhat still works – gold, FD, co-applicant, HFCs – and how to raise your score.RBI raises repo rate to 5.50% – what it means for your EMIHow much home, LAP and MSME EMIs go up after the October 2026 hike, and what to do now.CGTMSE guarantee fee 2026Slab-wise fee from 0.37% to 1.35%, concessions, who pays and what it adds to your loan cost.
For businesses and MSMEs
MSME loan without collateralGet a business loan up to ₹10 crore without property as security under CGTMSE. Check which banks lend, current rates, eligibility and documents – and your own eligibility in 2 minutes.Business loan eligibility – how banks actually decideFind out how much business loan you can get from banks and NBFCs. Free eligibility check against 90 loan products, with DSCR, rates and lender-wise amounts.Working capital loan and cash credit limitHow banks assess cash credit and overdraft limits for MSMEs: turnover method, CMA, margins, rates and documents. Check your working capital eligibility free.Machinery and equipment loanFinance plant and machinery up to ₹100 crore. Rates from banks and NBFCs, the Mutual Credit Guarantee Scheme (MCGS-MSME), margin, moratorium and documents.PMEGP loan with capital subsidyPMEGP gives 15% to 35% subsidy on new units – up to ₹50 lakh for manufacturing and ₹20 lakh for services. Eligibility, own contribution, banks and how to apply.Mudra loan for micro businessesPM Mudra Yojana loans up to ₹20 lakh without collateral for proprietors and partnerships. Categories, rates, banks and documents.Startup loans without collateralDPIIT-recognised startups can borrow up to ₹20 crore without collateral under the Credit Guarantee Scheme for Startups (CGSS). Lenders, cover, fees.Invoice discounting on TReDSGet paid early on invoices raised on large companies and PSUs through TReDS, without collateral and at rates linked to the buyer’s credit.Surety bonds for contractorsInsurance surety bonds replace bank guarantees for bid, performance, advance payment and retention money – without margin money or using bank limits. Insurers, cost, eligibility.
For individuals
Loan against propertyBorrow 60–70% of property value against residential or commercial property. Compare rates from banks, NBFCs and housing finance companies.Home loan eligibility and today’s ratesHow much home loan can you get on your salary? Compare current home loan rates from SBI, Bank of Baroda, HDFC, ICICI and housing finance companies.Personal loanCompare personal loan rates from banks and NBFCs and check how much you are eligible for on your salary.Education loanEducation loans for India and abroad: collateral-free limits, PM Vidyalaxmi, rates from banks and NBFCs, margin and repayment holiday.Gold loanCompare gold loan rates from banks and NBFCs and how much you can get per gram under RBI loan-to-value limits.Car loanCompare new car loan rates and how much of the on-road price banks and NBFCs will fund.
Free downloads from our credit desk
CMA data checklist (PDF)Every paper and figure the credit officer asks for, what each must tie to, and the ten gaps that stop files. Sent on WhatsApp.
CGTMSE loan – documents and steps (PDF)Who qualifies, the document list, timelines, guarantee-fee slabs and why CGTMSE files get stuck. Sent on WhatsApp.
DSCR calculator (Excel)Work out your DSCR the way a bank does – cash accruals, old and new debt service, year by year, with the reading banks give it. Sent on WhatsApp.
For CAs, bankers and associations
हिंदी में पढ़ें
Funding Desk हिंदी मेंमुफ्त लोन पात्रता जांच – कौन सा बैंक, कितना लोन, किस दर पर।बिना गारंटी MSME लोनCGTMSE से ₹10 करोड़ तक, ₹20 लाख तक collateral नहीं।मुद्रा लोनशिशु, किशोर, तरुण, तरुण प्लस – ₹20 लाख तक।PMEGP लोननई इकाई पर 15% से 35% तक सब्सिडी।होम लोनसैलरी पर कितना लोन और आज की दरें।श्योरिटी बॉन्डबैंक गारंटी की जगह, बिना मार्जिन मनी।
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