Secured Loans —

Lenders typically fund a share of the market value — highest for residential, lower for commercial and industrial property — and also check that your income can carry the EMI. Our Vault Dial calculator shows both limits and the lower of the two.

Yes. You continue to live in it, rent it out or run your business from it. Only the title documents are deposited with the lender until the loan is repaid.

Freehold self-occupied residences, and commercial or industrial property with an approved sanction plan. Lenders do not accept property with unclear title or pending litigation.

Two limits apply: what your income can repay (lenders usually keep total EMIs within roughly half to 60% of income) and RBI's loan-to-value cap — up to 90% of the property value for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh. Our calculator applies both.

The down payment (property value minus loan) plus stamp duty — 6% for men, 4% for women and 5% for joint ownership in Delhi — and 1% registration. The Home Loan Planner adds it all up.

Yes. In Delhi stamp duty is 4% for women versus 6% for men, which saves 2% of the property value at registration.

Debt Service Coverage Ratio = (net profit after tax + depreciation + interest) ÷ (interest + principal repaid in the year). It shows whether your business earns enough to service its loans. Most lenders look for at least 1.25, and are comfortable above 1.5.

For machinery loans the machine is hypothecated to the lender; depending on the amount, additional collateral property may also be required.

Term loans start from ₹5 lakh.

For many MSE borrowers banks use the turnover method: working capital need of about 25% of projected annual turnover, of which the borrower brings 5% and the bank funds up to 20%. The actual monthly drawing is limited by your drawing power.

Drawing power = (stock + eligible debtors − trade creditors) × (1 − margin). Banks commonly keep a 25% margin. It is updated from the stock statement you submit every month.

No. Interest is charged only on the amount you actually use, calculated daily.

Lenders typically expect promoters to fund around a quarter of the project cost from their own sources; the exact margin depends on the lender, sector and size.

It varies by sector and lender, but a ratio of up to about 2:1 to 3:1 is common for MSE projects.

Yes. A detailed project report with project cost, means of finance, projected profitability, cash flows and DSCR is the basis of the appraisal. We help you prepare it.