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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. some borrowers can’t pay their EMI on date because of late payment or any other reasons. EMI funding is the solution fore those customers. The major selling point of a loan is that the EMIs are affordable. This affordability is partly due to the low-interest rates and is also one of the reasons for their growing popularity.

Credit Card Funding

Nowadays people frequently uses credit card for their daily basis expenses so they can pay later, but those who can not pay credit card dues on time gets charged interest more then 35% p.a. for their overdue amount. and their CIBIL record gets bad rating about this. their high credit limit also gets blocked by bank due to non payment. 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

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. Customer who can not pay their loan Bank gives them an offer of OTS so they can close their loan in minimum amount. many customers don’t have that OTS amount to pay in one time so we can offer them the amount as loan and close their previous loans.

Gold Loan

Gold loan is a secured, simple and hassle free loan we finance 75% 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. in India there is big market demand for gold loan because it is simple and hassle free and takes no time to approval the loan amount. We can earn strong profit margins in gold loan we can carry out our business through a handful of franchises and brokers. This saves establishment cost, overhead cost and staff cost. So, gold loan businesses have an added benefit of low operational costs.

Housing Loan

This facility offers home loans for purchasing new or under-construction homes from developers or authorities, with loan amounts up to Rs. 30 Lacs. The maximum loan-to-value ratio is 90% of the property value. The tenure is up to 20 years, with repayments through EMIs via ACH. Tax benefits include up to Rs. 2 Lacs for interest payments and Rs. 1.5 Lacs for principal repayment, which can be shared between co-borrowers under certain conditions. The loan tenure cannot exceed 60 years for salaried and 70 years for self-employed borrowers/co-borrowers.

Home Extension Loans

Home extension loans are available for adding space to your existing home, such as additional rooms. Loan amounts go up to Rs. 50 Lacs, with a maximum loan-to-value ratio of 90% for loans up to Rs. 30 Lacs and 80% for higher amounts. The tenure is up to 20 years, with repayments via EMIs through ACH. Tax benefits include up to Rs. 2 Lacs for interest and Rs. 1.5 Lacs for principal repayment, which can be shared between co-borrowers under certain conditions. The loan tenure cannot exceed 60 years for salaried and 70 years for self-employed borrowers/co-borrowers.

Vehicle Loan

Vehicle loans are available for purchasing new cars, two-wheelers, and used cars, offering flexible financing options. Car loans can finance up to 80-90% of the on-road price, with the remaining amount paid as a down payment. These loans are repaid in EMIs over a tenure that usually extends up to 7 years, though the tenure can be adjusted according to the borrower's convenience. For two-wheelers, loans can cover up to 100% of the on-road price, including geared motorcycles and non-geared scooters, with the option to apply online. Used car loans, also known as second-hand car loans, offer financing of up to 75% of the car's final value, allowing buyers to make the purchase without paying the full amount upfront. All vehicle loans can be applied for online, making the process quick and easy, with customized terms to suit individual needs.

Small Business Loan

Small Business Loans are designed to support businesses such as retailers, traders, dealers, distributors, wholesalers, and service providers who require immediate funds for their operations. These loans offer minimal documentation, quick processing, and fast disbursal directly to the business's bank account, making them an ideal solution for meeting working capital needs or funding business expansion. The application process is streamlined, allowing businesses to apply online for added convenience. Additionally, businesses can easily check their loan eligibility and understand the terms and conditions before applying, ensuring they have a smooth and hassle-free experience.

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

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