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Your Trusted Partner in Financial Success
Our innovative products are developed with flexibility in mind, offering competitive interest rates, customizable repayment plans, and quick approval processes to ensure a seamless experience.
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Who We Are

About Us

Bharatiya Fincom Pvt. Ltd. was established on March 23, 1983, and its registered in Odisha under the Registrar of Companies (ROC) in Cuttack. The company has a corporate office and one branch office in Mumbai. As a RBI-registered Non-Banking Financial Company (NBFC) under section 45IA of the RBI Act, 1934, Bharatiya Fincom Pvt. Ltd. follows strict regulations to ensure safe and reliable financial services. Over the years, it has become a trusted name in the financial sector, offering a range of financial solutions to meet diverse needs.

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What We Offer

Our Products

EMI Funding

EMI funding is a short term loan given for one months tenure only EMI funding is a short term loan given to the Borrower to pay his upcoming loan EMI so he pays the upcoming EMI on time and save Late payment and ECS bounce charges.

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Credit Card Funding

Credit card funding can help those needy people to pay their outstanding dues of Credit card. and save their CIBIL record, extra interest and changes, and to free their high credit limit. Their is big demand for Credit card funding in the market.

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OTS Loan Funding

One time settlement funding is for those people who can not pay their other loan and interest Banks OTS policy helps them to settle their old loans at one time payment we can give them loan to close their previous loans and reduce their financial burden.

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Gold Loan

Gold loan is a secured, simple and hassle free loan we finance 50% of the total gold value so there is a big margin of 25% amount on asset value. Gold loan is given for tenure of 1 year or less the borrower of gold loan pays their EMI on time to maintain good record and relation.

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Housing Loan

Housing loans up to ₹30 Lacs are available for new or under-construction homes with up to 90% financing. Tenure extends up to 20 years, with repayment via EMIs. Tax benefits include deductions of ₹2 Lacs on interest and ₹1.5 Lacs on principal, subject to conditions.

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Home Extension Loans

Home extension loans up to ₹50 Lacs are available for expanding your home, with up to 90% financing for amounts up to ₹30 Lacs and 80% for higher amounts. The loan tenure is up to 20 years, with tax benefits of ₹2 Lacs on interest and ₹1.5 Lacs on principal.

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Vehicle Loan

Vehicle loans are available for new cars (up to 80-90% of on-road price), two-wheelers (up to 100%), and used cars (up to 75%). Repayment is through EMIs, with a tenure of up to 7 years. Online applications are available for all vehicle loans.

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Small Business Loan

Small business loans offer quick funding for retailers, traders, wholesalers, and service providers with minimal documentation and fast disbursal. These loans help meet working capital or expansion needs, with the option to apply online for convenience. Eligibility and terms can be easily checked.

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Gold Loan

Gold loan is a secured, simple and hassle free loan we finance 50% of the total gold value so there is a big margin of 25% amount on asset value. Gold loan is given for tenure of 1 year or less the borrower of gold loan pays their EMI on time to maintain good record and relation.

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Our Work Process

Workflow

01

Consultation

We begin by understanding your financial needs and goals through a detailed consultation, ensuring we tailor solutions that are right for you.

02

Application

Submit your application with the necessary documents. Our simplified process ensures that you can easily apply online or at our office.

03

Approval

After a quick review of your application, we provide approval with transparent terms and conditions, ensuring no hidden surprises.

04

Disbursement

Once approved, funds are disbursed promptly, so you can begin using your loan or financing for personal or business needs.

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About

Bharatiya Fincom Pvt. Ltd. (formerly Utkal Holdings Pvt. Ltd.) was established on March 23, 1983. We follow strict regulations to ensure safe and reliable financial services.

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Contact Info

  • address: Mumbai, Maharashtra, India
  • email: customercare@bharatiyafincom.net
  • phone: +91 86554 63220

Policy, Codes & Other Documents

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