Our secured loan is a financial solution that provides you access to funds by pledging collateral such as property, vehicles, or other valuable assets. At Credittara India Nidhi Ltd., our secured loans are designed to offer lower interest rates and higher borrowing limits, ensuring affordability and flexibility. This type of loan is ideal for major expenses like home renovations, business expansion, or education. By leveraging your assets, you can unlock the financial support you need while maintaining manageable repayment terms. With a simple application process and personalized assistance, we ensure your secured loan journey is seamless and rewarding.
| No. | Loan Type | Interest Rate |
|---|---|---|
| 1. | Secured Loan | 11.00% |
Applicant's Document Details :
- Address proof - Electric bill / Telephone bill / Tax bill
- Photo proof - Aadhar card / PAN card / Voter card / Driving license
- Last three years' copy of income tax return, or Pay slip of last 3 Months
- 3 photographs of Applicant
- Applicant has to show all original documents to the bank for verification with xerox copy. Original documents will be returned to the applicant after verification.
Gaurantor Document details :
- Address proof - Electric bill / Telephone bill/ Tax bill.
- Photo proof - Aadhar card /Pan card / Voter card / Driving license.
- Last three years copy of income tax return, or Pay slip of last 3 Months.
- 3 photographs of Applicant.
- Gaurantor has to show all original documents to the bank for verification with zerox copy. Original documents will be returned to Gaurantor after verification.
Conditions :
- Original documents of property to be submitted to the bank. Registered mortgage of property to be done in favour of bank.Bank charge will be noted in society's record.
- Margin - 30% for new property.(Ready possession).
- N.A/.N.O.C and BU permission required for sanction of Housing loan.
- Applicant will have to take insurance of the building in favour of bank.
- Loan amount with interest will be repaid within 180 equal monthly instalments.
- Applicant has to submit original share certificate of the Society/Association, Municipal Tax bill, Tax receipt, sales deed etc.
- Title clearance and valuation report will be done by approved lawyer and valuer of the bank. Applicant has to pay their fees.
- Applicant has to take share @ 1% of the limit.
- Processing charges - As per NBFC Rules
Low Interest
Helping you save securely with flexible options.
Financial Investment
Seamless and safe transactions for your convenience.
Credit Transactions
Secure payment solutions tailored for your needs.
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Plot/434 2nd Floor Mustafapur Khagaul road near Royal Inn marriage hall Patna - 801105 Bihar