Our Product Offerings
Loan Against Property - Salaried
Unnati - Loan for Property Purchase
Viksit Capital offers Secured Business Loans (SBL) designed to support small business owners, professionals, and salaried individuals in meeting their financial needs such as:
Working capital requirements
Business expansion
Purchase of commercial assets
Debt consolidation / balance transfer
Home purchase
Other business/ personal needs
Key Features of the Loan
Loan Amount
₹5 lakh to ₹30 lakh
Tenure
3 to 12 years
Minimal Documentation
No GST Return/ ITR required
Repayment Mode
Monthly EMIs
Interest Rate (ROI)
15-20%*
*Subject internal norms
Security
Residential/Commercial property
Customer Eligibility Criteria
For Self-Employed
- Business must be running for minimum 2 years
- Applicant Age: 25 to 50 years
- Nationality: Resident Indian
- Cibil Score: ≥ 650 or New-to-Credit (NTC)
- Residence Stability: Minimum 3 years if rented
- Business Continuity: Minimum 1 year at current premises
- Assessment through business activity verification and banking
For Salaried
- Minimum monthly income: ₹20,000
- Minimum employment stability: 2 years
- Applicant Age: 25 to 50 years
- Nationality: Resident Indian
- Cibil Score: ≥ 650 or New-to-Credit (NTC)
- Employee Stability: Minimum 2 years
- Regular Salary must be credited in bank account
Eligibility Calculator
Monthly business income of customer
EMIs being serviced by customer for existing loans
Range: 36 to 144 months
Range: 16% to 20%
Contact & Application
For more information or to apply:
