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Loans

Personal Loan

Unsecured funds for weddings, medical needs, travel or debt consolidation, disbursed without collateral.

Eligibility
600+ (700+ preferred)
Documents Required
PAN, Aadhaar, 3 months' salary slips or ITR, 6 months' bank statement
Interest Highlights
Indicative range: 10.5%–22% p.a., tenure up to 5 years (placeholder — confirm with lender)
  • No collateral required
  • Fast disbursal, typically 2–5 days post-approval
  • Flexible end-use
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Business Loan

Working capital or expansion funding for proprietorships, partnerships and companies with an operating track record.

Eligibility
650+, 2+ years business vintage preferred
Documents Required
Business PAN, GST returns, ITR (2–3 years), bank statements, KYC of promoters
Interest Highlights
Indicative range: 11%–24% p.a., tenure up to 5 years (placeholder)
  • Collateral-free options available
  • Structured for seasonal cash flow
  • Top-up available on repayment track record
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Home Loan

Financing for purchase, construction, or balance transfer of your existing home loan at better terms.

Eligibility
650+, stable income proof
Documents Required
KYC, income proof, property documents, bank statements
Interest Highlights
Indicative range: 8.5%–11% p.a., tenure up to 30 years (placeholder)
  • Up to 80–90% of property value financed
  • Balance transfer to reduce EMI
  • Joint applicant income clubbing supported
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Mortgage Loan / Loan Against Property

Unlock funds against residential or commercial property you already own, at lower rates than unsecured credit.

Eligibility
650+, clear property title
Documents Required
Property documents, KYC, income/ITR, bank statements
Interest Highlights
Indicative range: 9%–13% p.a., tenure up to 15 years (placeholder)
  • Higher loan amounts than personal loans
  • Lower interest than unsecured borrowing
  • Property continues to be usable during tenure
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Education Loan

Funding for tuition, hostel and living expenses for domestic or overseas higher education.

Eligibility
Co-applicant (parent/guardian) with stable income
Documents Required
Admission letter, fee structure, KYC of student and co-applicant, academic records
Interest Highlights
Indicative range: 9%–13% p.a., moratorium during course + 6–12 months (placeholder)
  • Covers tuition, travel and living costs
  • Tax benefit under Section 80E
  • Moratorium period during study
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MSME Loan

Collateral-light funding for Udyam-registered micro, small and medium enterprises.

Eligibility
650+, clear property titleValid Udyam registration, 1+ year vintage preferred
Documents Required
Udyam certificate, GST returns, ITR, bank statements
Interest Highlights
Indicative range: 10%–20% p.a., tenure up to 7 years (placeholder)
  • Government scheme-linked options explored
  • Minimal collateral requirement
  • Faster processing for registered MSMEs
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Working Capital Loan

Short-term funding to bridge operating cycles, vendor payments and receivables gaps.

Eligibility
Existing business with visible cash flow
Documents Required
GST returns, bank statements, stock/debtor statements
Interest Highlights
Indicative range: 11%–20% p.a., renewed annually (placeholder)
  • Overdraft and cash credit structures available
  • Renewed based on business performance
  • Matched to your billing cycle
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Loan Against Property (LAP)

Larger-ticket funding secured against residential or commercial property for business or personal use.

Eligibility
650+, clear title on property
Documents Required
Property documents, KYC, income/ITR, bank statements
Interest Highlights
Indicative range: 9%–13% p.a., tenure up to 15 years (placeholder)
  • High loan-to-value on approved properties
  • Usable for business or personal needs
  • Lower rates than unsecured loans
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Vehicle Loan

Financing for new or used two-wheelers, cars and commercial vehicles.

Eligibility
600+, stable income
Documents Required
KYC, income proof, vehicle quotation/invoice
Interest Highlights
Indicative range: 8.5%–14% p.a., tenure up to 7 years (placeholder)
  • Up to 85–90% on-road funding
  • Quick approval for salaried applicants
  • New and used vehicle options
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Gold Loan

Quick-turnaround secured loan against your gold jewellery, with same-day disbursal in most cases.

Eligibility
No fixed score requirement; based on gold value
Documents Required
KYC and gold ornaments for appraisal
Interest Highlights
Indicative range: 9%–16% p.a., tenure up to 3 years (placeholder)
  • Same-day disbursal possible
  • No income proof required in most cases
  • Gold stored under secure custody
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How a loan application moves through CredVeda

Eligibility Check

We review your income, credit score and existing obligations against lender criteria.

Lender Matching

Your file is matched to lenders most likely to approve at competitive terms.

Documentation

We verify your paperwork is complete before submission, to avoid processing delays.

Sanction & Disbursal

We track your application through sanction and coordinate disbursal timelines.