ValuationIndia is a pioneer in Loan Syndication process in Northern-Part of the country. Following Retail Loans are provided by ValuationIndia:

    (a.) Personal Loan

    (b.) Home Loan

    (c.) Loan against Property

    (d.) Equipment Loan

    (e.) Car Loan

    (f.) Education Loan

    (g.) Balance Transfer

    (h.) Commercial Purchase

    (i.) Lease Rent Discounting

    (j.) Working Capital Loans

    (k.) Business Loan

    (l.) Agri-Rural Finance

    (m.) MSME Loan

    (n.) Trade Finance

    (o.) Export Finance


Personal Loan is an unsecured loan that can be applied by an individual or a company for Education, Holiday, Foreign Travels, House Renovation, Marriage etc. A personal loan can help you in your sudden financial crisis when you see no help from anywhere.

ValuationIndia gives you the best offer for personal loan according to your salary or monthly income and existing EMIs. Loan amount will also depend on credit card usage, job continuity and stability in present residence.

Surely you do need to tell the purpose of the loan amount to the bank that why do you want to take this loan. But you do not need a guarantor or security to procure a personal loan. Your own financials like monthly income, average bank balance repayment of running loans etc. are enough to get you a personal loan.


For Salaried Persons:

1. Minimum salary required is 25,000.

2. Salary should be credited in bank or received by cheque.

3. Cash salary not considerable.

For Self Employed Or Businessman:

1. Minimum 3 years ITR.

2. Business should be 3 years old.

3. One of the premise that is residence or office should be owned.

Unsecured personal loans are generally offered banks and non-banking finance companies and are called unsecured because the lender or banker requires no security for the debt.

Personal loans are available for a range of different amounts and repayment terms. Depending on the amount and purpose of the loan, you will be able to choose from a range of repayment periods from 12 months to 60 months. The minimum loan amount is typically 1 lac and maximum amount you can borrow is 30 Lacs although this will vary from banker to banker and their credit criterions.

We specialize in providing cheapest loans in each and every category such as Home Loan, Loan Against Property and Car Loan. Even if we are one of the cheapest option but we are very reliable and ensure all paperwork is correct.

We are one of the best financial service provider who provide Home Loan in Rajasthan, Delhi, NCR and Mumbai at catching rate of interest.

When someone is planning to buy a new property or house for his/her personal use, then he/she can apply a Loan to finance his house that is called home loan. Home Loan is given at lower rate of intrest in comparision to Loan against Property.

We also provide Loan Against Property From different financial institutions varriying from scheduled banks to commercial banks and Non-Banking financial Companies. We are leading providers of home loan from financial institutions.

ValuationIndia is one of the oldest and pioneer finance consultants dealing in best Home Loan and assists the customer in a different and unique way to get the best Home Loan in term of lowest interest on home loan and a hassle free process to procure the home loan. We at ValuationIndia understands the specific needs of our clients as per their financial and social status and accordingly guides him/her in procuring a home loan.

As one of the leading home loan provider, we understand and know it very well how important and special it is to purchase or build a new home is for you and your family. And with the help of Our Best Home Loan Offers, you can surely lay the foundation stone for your dream home today only.

We at ValuationIndia offers you the most convenient and easiest home loan plans to suit your needs. ValuationIndia presents under one roof or a one stop solution for you to get every possible and available information on home loans and home insurance in Rajasthan, Delhi, NCR and Mumbai.

ValuationIndia provides you:-

1- Genuine Deals.

2- Lesser Time For approvals.

3- Best Interest Rates on Home Loan.

4- Home Loan Amount as Per Your Needs.

5- No advance Charges.

6- Doorstep Services for home loan Documentation.

The Banks We ValuationIndia Are Dealing With: -

We are dealing with a lot of the multinational banks In Rajasthan, Delhi, NCR and Mumbai like HDFC Bank Ltd, State Bank Of India, ICICI BANK, Standard Chartered Bank, PNB, Citi bank, Development Credit Bank, India bulls and may others.

Eligibility Criteria: -

How the banks calculate the loan amount and decide eligibility of home loan customer? More Often Home loan amount is calculated on the registry value of the property, and also value estimated or taken by banks by confirming the neighbours of that property or the market value of the property. You can now apply for various types of house loans as per your individual needs at the lowest rates and can now fulfill the need for a house of your own. Banks provide upto 85 % loan of registry value depending on your income eligibility or repayment capacity.

ValuationIndia makes it easier for you to move in your new house as soon as possible and that also without putting a burden on your pocket. Your Dream home is much closer than you think. So why and what are you waiting for? Do apply for a home loan right now!

Definition of Loan Against Property:-

When someone is looking for a loan by the way of mortgaging his property which is freehold (no matter if it is residential or industrial or commercial) is called loan against property.

Why do we need Loan against Property:-

We at ValuationIndia Finance help you in fulfilling that dream by the way of offering loan against property. We are providing the lowest rate on loan against property in market through different banks and NBFCs.We are offering loan against property from Cholamandalam, Tata Capital, ICICI, AXIS, HDFC and Citi Bank and many other banks & NBFCs.

OD Limit Against Stock & Property:-

We have designed the OD Limit Against Stock to serve the customized plans for our customers OD Limit Against Property is a unique product that offers you a combination of overdraft facility against commercial/industrial or residential property. This facility is designed to be able to cater to the need of the business community to meet their short term working Capital requirements.

Loan Against Property through ValuationIndia enables you to unlock the power of your property and meet all your financial requirements. You can mortgage your property to get a loan such as Industrial, residential and commercial property.

Our Associates-

We are offering loan against property from Cholamandalam, HDFC, SMC, AU FINANCE, AWASS FINANCIALS, IHFL, ROYAL VISION FINCORP and Citi Bank and many other banks.

How much loan one can get against his/her property

Generally the loan amount is given up to a maximum of 70% of the market value of the property. In case of Industrial property, loan can be anywhere between 45-60% of the market value of the property. In commercial, it may be 55 % and in residential property case, loan amount can go up to 75 to 80 % of market value depending on the eligibility norms of the lending institutions.

The Loan amount is largely determined and assessed by the lender by doing a credit check of the profile of the borrower & considering his/her repayment capacity. Normally creditor sanctions loan as per the net profit of the borrower and may consider his/her gross income. Again we at Mudra Finance help our customers to get the maximum Loan amount against their property. Nowadays there are various products of different banks where the borrowers can get a higher loan amount as compared to their income. On gross income and gross turnover we manage to get the best deal for our esteemed clients.

So to get the best loan against property, call us now!

Features, Benefits & Fees of LAP

Higher Loan Amount Higher loan eligibility

Longer Tenor of up to 20 years

Simple documentation

Faster approvals

Lower interest rates

Fees & Charges:

Generally processing fee of 0.50% to 1% will be applicable.

Pre-payment charges:

There will be no pre-payment charges after 6 months.

Products under Loan against property-

1. Term Loan:

Term loan is best suitable for the person who wants to pay a fixed amount per month towards their loan obligation. Here the borrower needs to pay a fixed EMI i.e. equated monthly installment towards the repayment of the loan. EMI amount depends on the tenure of the loan, i.e. longer is the tenure the lesser the monthly installment and lesser the tenure higher EMI borrower needs to pay.

Term loans are best suited for:

A. When a person is looking for loan for long period.

B. When someone wants to consolidate his loans.i.e. Closing all the loans and paying one EMI of LAP

2. Lease Rental Discounting:

In Lease Rental Discounting the loan is provided to the borrower on the basis of the fixed monthly rental received by him against the property which is offered for mortgage.

3. Loan for Commercial Purchase (LCP):

These are loans in which the borrower takes a loan for the purchase of a commercial property. These loans are given against the mortgage of the property the borrower is going to purchase.

4. Drop line Overdraft Facility:

This is a new generation banking product in which both the features of Term Loans & Overdraft Facility, are available. Dropline Overdraft Facility can be for a period of 10 years where the drawing power of the borrower is reduced per month by a fixed amount.

5. Loan transfer or balance transfer -

You can also transfer your existing loan against property from another bank to new bank at much lower interest rates.

Equipment loan is an advanced and original retail loan product, initiated by quite a few banks to cater to the diverse needs of the different customers requiring such loan. Equipment loan is a detailed and extensive category that includes medical equipment loans, construction farm equipment loans, office equipment loans etc. Convenient EMIs and low interest rates, both are available under this loan and there are number of factors such as tenure of loan, loan amount, financial standing of the person taking the loan, etc. based on which the amount of EMI would depend.

Different Types of Equipment Loans are as below:

(a.)Construction Equipment Loans

(b.)Medical Equipment Loans

(c.)Office Equipment Loans

Construction Equipment Loans

Banks customize their construction equipment loans to new entrepreneurs and to large business houses according to needs of all its clients. Banks are experts in construction equipment's who regularly identify the needs of all their clients in the market and work with the specialists who fulfil their requirements by the following:

(a.)Highways, streets and roads construction

(b.)Site preparation and excavation

(c.)Concrete and asphalt (a mixture of sand and gravel)

(d.)Utility contracting

(e.)Tunnel and bridge construction

We provide loans for construction equipment of all types of businesses who trade in construction material.

Construction Equipment Loans offered by Banks:

Bank offers loan on the loan amount which depends on various factors. At ValuationIndia, we

understand the requirement of our clients and try to provide the services at minimum charge. Construction Equipment's such as Earthmoving and material handling equipment's, Hirers of construction and Plant Hirers. Banks are fully-equipped to provide Commercial Vehicle & Construction Equipment loans, according to the needs of the customer which suits him best.

Medical Equipment Loans offered by Banks:

Banks offer structured and customized loan solutions based on the client's needs and requirements. Generally, banks provide loans starting from Rs 10,000 and there is no maximum limit of the loan amount. Banks have provisions for detailed solutions at an aggressive price for health systems, oncology facilities, hospitals, imaging centres and physician groups. Loan is repaid within tenure of 1 to 5 years.

Office Equipment Loans offered by Banks:

Bank offers flexible repayment options to their customers. There are various criteria’s based on which banks decide to give loan to the customers only when all their documents are complete.

Office equipment loan covered laptops, generators, computers, photocopier, furniture etc. Loan is sanctioned up to 70% of the actual value of the office equipment. Repayment is done through Equated Monthly Instalments or EMI. Repayment tenure can range from 1-3 years.

Avail almost all types of car loans now!

Looking for Best Car Loans?? If it’s what you are searching for, then you are at the right spot!!

Banks today provide easy finance schemes where you can drive away with a car. But deciding on the right car finance is very challenging. You may be confused on which one is beneficial for you and might end up with one that has various “invisible” strings attached to it.

Few things, we think might help you in choosing the right car-financing option:

The first thing you need to know, before availing for car loan, is the type of car you want and see if it suits your estimated budget. Narrow your choice of cars, to two or three. Compare rates of all banks and get their best rates. Also ask for recommended dealers for the car(s) of your choice to see which dealer is giving you the best deal. You apply for a loan and you buy a car. You go to a bank and fill out some forms and they disburse your check. Sounds simple enough, doesn’t it?

However, your application could be denied or cancelled, or you may get an offer at a high interest rate if you have bad-credit history. All banks go through your financial history when you apply for a loan. Different banks have different standards of judging a credit history. So it is wise to clear up all old debts, if you have any, before you apply for a Car Loan. This will help you get your loan approved at lower interest rates.

You repay the loan in equated monthly instalment (EMIs), comprising of principal amount and the Interest Rate. The EMI depends upon the loan amount, the interest rate and the tenure of the loan.

Also don’t just evaluate the deal based on monthly EMIs. Calculate how much you will be paying over the tenure of the loan at EMI Calculator. ValuationIndia Finance car loan this in turn is a function of Interest rates. The interest rate depends on the Flat Rate and Reducing Balance method. In the Flat Rate of interest, the principal amount (on which interest calculations are made) remains same for the entire tenure of the loan. The total interest is divided over the number of installments to derive the EMI.

Reducing Balance

It means reducing the paid-up principal amount (on which interest calculations are made) from the outstanding loan amount. Car Loan typically doesn’t require a guarantor but if your income does not meet the credit criteria, then you will be required to have a guarantor for your loan. Guarantor can be your spouse, if employed or a third party guarantee will do.

Processing fees

It is a one-time charge taken for processing and legal paperwork. At the beginning of the period, the bank requires you to pay 2-4% of the loan amount as processing fees. For example, if you take Rs.5 lac at 15% for 5 years (60 EMIS) and charges you 2% as processing fees, you are in effect paying an amount of Rs.10, 000. If you chose to pay up your entire money before the tenure, a Pre-payment penalty is charged. ValuationIndia Finance car loan so know about such penalties before-hand to avoid future misunderstanding between you and the bank.

Also keep in mind that most banks offer you the option of pre-payment, but they do not give the flexibility of part-payment. You “have-to” insure your car. It is against the law to drive an uninsured car. You must get an insurance policy for a year’s duration, after which you have to renew it. The amount of insurance is equal to the market value of the vehicle and not the book value of the vehicle.

The premium is added to the EMI paid for the loan tenure and you are insured for the amount

you have taken, in case something unexpected happens Assured amount will be given to the bank without burdening the members of the family.

So keep these few things in mind while financing your next car! You have reached the best spot to get the

Required Documents for Car Loan

Common Documents:-

(a.)2 Photographs each applicant & co- applicant.

(b.)Passport of each applicant & co- applicant.

(c.)Utility Bill of office and residence (latest month) each applicant & co- applicant.

(d.)Pan Card Copy each applicant & co- applicant

In case of Salaried:-

(a.)Employment certificate from the employer

(b.)Copies of pay slips for last 6 months and TDS certificate

(c.)Last 2 Years Form 16 issued by employer Bank statements

Income Documents:-

(a.)3 yrs. ITR, computation of income, P & L, Balance sheet, +all Annexure & schedule, Dr. & Cr.List. (Self & CA attested).

(b.)3 yrs. ITR, computation of income, P & L, Balance sheet of individual.

(c.)Last 12 months bank statement of individual.

(d.) Last 12 months bank statement of the company, and all the EMI reflection if any loans going on.

(e.) Sanction letter of all Loans & OD/CC (if any).

(f.)Sales & Purchase Summery – last 3 years (till date).

Dr. & Cr. List – last 3 years (till date).

Additional Documents:-

(a.)MOA & AOA copy / Partnership Deed.

(b.) List of Directors/ Partners & Shareholder.

(c.)Pan card copy of Company.

(d.)Business Proof (Shop & Establishment Certificate, VAT, Sales Tax, Service Tax, IEC).


Nothing can replace quality education when it comes to building a bright and successful future for your child and education is the only thing that can get a happy life going. However, due to the rising cost of higher education for students in India as well as abroad, parents are finding it more and more difficult to self-finance their children’s education hence there is a huge demand for loans to cover education expenses.

ValuationIndia Education Loan

Unlike most educational institutions today, educational loans are given to meritorious and deserving students so that nothing hinders their progress and they achieve the best of education in India or abroad. At present, almost every Indian bank and NBFC offer education loans in India to students interested in pursuing a wide range of graduate, post graduate, professional and doctoral courses / degrees.

The quantum of expenses covered by this type of loan covers not just the direct expenses such as tuition fees and registration / examination fees, but also allied expenses such as those for uniforms, lab equipment / tools required for the course, travelling expenses and laptop. Aside from the fee payable to the school / college, other expenses covered by most education loans include:

(a.)Amount required towards the purchase of books, uniforms, equipment and instruments.

(b.)Purchase of computers/laptops, if deemed necessary for the completion of the course.

(c.)Fees paid for Exams, Library, Laboratories, Hostel, etc.

(d.)Building fund, Caution deposit, Refundable deposit (must be supported by receipts/bills).

(e.)Costs incurred in travel, specifically for studies abroad.

(f.)Additional costs that are required to successfully complete the course, including but not limited to, Study tours, Thesis work, Projects, etc.

ValuationIndia Education Loan

Features and Benefits:

An Education loan plan is a safe and efficient way to gain finance for when compromising on your child’s education is not an option. It is a long-term investment in your child’s secure future.

It has the following features:-

Anyone can opt for Education loan to study abroad or in India for graduate, post graduate, professional and/or doctoral courses/degrees. Loan cannot be assigned to the student alone, the parent or guardian needs to be co-signor for the loan. Female students are usually offered discounts and/or lower interest rates when it comes to education loans. The annual family income and the course pursued by the education loan applicant are primary determinants of the loan amount. Generally, loans below Rs.4 lakhs do not require a security or guarantor.

For an education loan plan up to a specific amount, no collateral is necessary for a higher loan amount (usually above 7.5 Lakhs), security in the form of fixed deposit, property or other bank approved collateral is required.

Usually, the maximum loan limit for students studying in India is capped to Rs.10 – 15 lakh and up to20 lakh for those who wish to study abroad with an Educational loan. The normal student loan repayment period is 5 to 7 years, but flexible options for settlement of education loans with longer time period, i.e. 10 to15 years is also available.


The education loan eligibility differs from provider to provider. However, the basic criteria are as follows:

(a.)You should be an Indian citizen

(b.)If the applicant is a Non-Resident Indian (NRI), he/she must hold a valid Indian Passport

(c.)You should fall in the age bracket defined by the respective bank

(d.)You need to have a confirmed admission offer from a recognized college/institution (banks usually have a list of institution that they update from time to time)

(e.)You need to apply for an education loan with a co-applicant who has a regular source of income

(f.)A good academic record and good credit history of the co-borrower (parent or guardian)helps with quick education loan approvals.

(g.)Some banks require the applicant to have qualified through a national level entrance exam.

We are one of the best education loan provider in India.You may apply online at Finance is Entire Loan Destination, where you can fulfil your dreams.

Required Documents For Education Loan:

Generally the documents required to processing your loan application are almost similar across all the banks; however they may differ with various banks depending upon specific requirement etc.

Following documents are required by financial institutions to process the loan application:-

(a.)Age proof.

(b.)Address Proof.

(c.)Income proof of the co-applicant (could be father/mother).

(d.)Last 6 months bank statement co-applicant.

(e.)Passport size photograph of the applicant & co-applicant.

In case of Co-applicant Salaried:-

(a.)Employment certificate from the employer.

(b.)Copies of pay slips for last few months and TDS certificate.

(c.)Latest Form 16 issued by employer Bank statements.

In case of Co-applicant Self-employed:-

(a.)Copy of audited financial statements for the last 3 years.

(b.)Copy of partnership deed if it is a partnership firm or copy of memorandum of association and articles of association if it is a company.

(c.)Profit and loss account for the last few years.

(d.)Income tax assessment order.

Other Documents:-

Latest Electricity Bill of the co-applicant (house should be owned).

Balance Transfer Your Loan

When was the last time you checked your home loan statement?

Has your loan tenure increased since your signed up?

Are you paying more than 10.5% interest on your home loan?

Save Money With A Home Loan Balance Transfer!

Many people don’t know that banks don’t increase Home Loan EMIs but they increase the tenure of the home loan when the floating interest rate increases. If you are paying 11-12% interest rate on your home loan then we can help you save a lot of money.

ValuationIndia Balance Transfer:

Pre-payment of your home loan does not have any penalty and switching your home loan balance to a new bank has never been easier! Balance Transfer for Home Loans and Personal Loans is a product, offering the customer a choice to transfer the outstanding balance of the home loan availed for better terms & conditions, EMIs and possibly well sized savings that could be better invested elsewhere.

Many customers look at Home Loan Balance Transfers as making their loans more efficient. In some cases, the nature of Floating Interest Rates leaves customers with longer tenures, higher EMIs and so on. Many customers find their solution in Home Loan Balance Transfers which help to move from higher rate of interest to lower rate of interest or increase in loan components as Top ups.

Personal Loan Balance Transfer

High value personal loans, loan against property, and multiple loans from different banks and credit cards can be consolidated into one high value loan using Personal Loan Balance Transfers. Due to floating interest rates being the norm for high value loans, customers may still retain their original EMIs but might end up with a much longer loan tenure. This is an undesirable situation for a loan taker, but a position that many find themselves in. A personal loan balance transfer can help customers better manage their various loan products, possibly with a more competitive interest rate.

Top Up Your Home Loan & Personal Loan

Customers can apply for a Top-Up on their Home Loans & Personal Loans using the Balance Transfer facility as and when they need to meet their personal requirements (other than for speculative purposes) or to possibly consolidate two loans from separate banks to a single larger loan from a different banking provider, with a more competitive interest rate. Customers can benefit from some additional funds against the security of property. Customers opt for top up loans for many reasons, some of which are mentioned below:

(a.)Furnish your home

(b.)Buy consumer durables

(c.)Child’s education expenses

(d.)Daughter’s marriage

(e.)Family holiday

(c.)Buy a new vehicle

(d.)Consolidate two active loans under a single provider

We are one of the best Balance transfer provider in India. You may apply online at

Eligibility for Balance Transfer

Home Loan balance transfers and personal loan balance transfers have stringent eligibility requirements that one is typically familiar with while taking a home loan or a personal loan. Click to know about the eligibility requirements for Home Loan Balance Transfers Documentation for Balance Transfer

The following documents are required by financial institutions to process a home loan balance transfer.

(a.)Pan card.

(b.)Company ID card.

(c.) Residence proof.

(d.)Self-owned residence latest Electricity Bill / Landline Bill / Credit Card Bill.

(e.)Rented residence current rent agreement with latest electricity of the flat, with a permanent residence proof.

(f.)Latest CTC.

(g.)Latest Salary slip for the last 3 months.

(h.)Till Date salary account statement bank statement for last 6 months.

(i.) Form No.16 – Latest.

(j.)Loan Repayment Track Records (if any).

(k.)Foreclosure Letter & List of Original Documents kept with the bank (These letters are to be obtained from the existing bank from where the loan is active. (Original letters obtained to be submitted.).

(l.) Property Documents in case of Residential / Commercial premises.

(m.)Photocopies of all documents relating to the property to be mortgaged. (Original Documents will be collected at the time of disbursement).

Required Documents for Secured Loan & Unsecured Loan Balance Transfers.

Common Documents:-

(a.)2 Photographs each applicant & co- applicant.

(b.)Pan Card Copy each applicant & co- applicant.

(c.)Adhar card copy of the applicant & co-applicant.

(d.)Passport copy each applicant & co- applicant.

(f.)Self-Owned residence proof (latest month) each applicant & co- applicant.

(g.)Utility Bill (address proof) of office, if business profile.

Income Documents:-

In case of Salaried:-

(a.)Copies of pay slips for last 6 months and TDS certificate

(b.)Employment certificate from the employer

(c.)Latest 2 years Form 16 issued by employer

(d.)Last 12 months bank statement of salary account.

In case of Self-employed:-

(a.)Pan card copy of Company.

(b.)MOA & AOA copy / Partnership Deed / for proprietorship firm – registration certificate or Business Proof (List of Directors/ Partners & Shareholder.

(c.)3 years ITR, computation of income of the company, P & L, Balance sheet, +all Annexure & schedule, Dr. & Cr. List. (Self & CA attested).

(d.)Last 12 months bank statement of the company, and all the EMI reflection if any loans going on as per the Balance Sheet.

(e.)GST certificate copy.

(f.)Sanction letter of all Loans & OD/CC.

(g.)Sales & Purchase Summery – last 3 years (till date).

(h.)Dr. & Cr. List – last 3 years (till date).

Additional Documents:-

In case of Unsecured Loan:-

(a.)Loan Repayment Track Records

(b.)Fore closer Letter of existing loan

In case of Secured Loan:-

(a.)Property documents (Registered deed, OC & share certificate)

(b.)Loan Repayment Track Records


(a.)Fore closer Letter & List of Original Documents kept with the bank (These letters are to be obtained from the existing bank from where the loan is active. (Original letters obtained to be submitted). (b.)Photocopies of all documents relating to the property to be mortgaged. (Original Documents will be collected at the time of disbursement).

Build Something Bigger

When business expansion opportunities or the possibilities of a new business idea arise, you have the power to take immediate advantage of them with ValuationIndia Finance. With maximum commercial real estate loans, payment flexibility, a special Surrogate Income Programmer, a lack of finance need never be an issue.

ValuationIndia Commercial Purchase

Our higher loan eligibility enables you to avail of the greatest possible property finance, and eliminates any need to compromise on your choice of commercial property – whether it is for expanding an existing business or building a new one, whether you are salaried or self- employed.

We understand the truth in the old adage that time is money when you’re in business, which is why you can apply for your Commercial Property Purchase Loans online, and have the documents delivered to your doorstep.

Don’t just build a business, lay the foundations for big ambitions.

Features and Benefits:-

(a.)Maximum loan amount for purchase of property

(b.)Higher loan eligibility

(c.)We cater to the needs of all segments – Salaried or Self Employed

(d.)Flexibility of loan tenure, Easy repayment option by way of simple EMI

(e.)Special ‘No income document’ program


(a.) Minimum Age of Applicant: 21 years

(b.) Business / Service Continuity

(c.)Residency stability

(d.)Minimum Gross Annual Income of Rs 200,000

(e.)Salaried / Self-employed professional and Self-employed non professional

(f.)All loans will be at the sole discretion of the company/Bank We are one of the best commercial provider in India. You may apply online at or by searching any keyword on Google such as commercial purchase in mumbai,maharashtra, commercial purchase, commercial purchase interest rates, compare commercial purchase, online commercial purchase, commercial purchase India. Apply commercial purchase at Delhi, NCR, Rajasthan and Mumbai etc.

ValuationIndia Commercial Purchase

ValuationIndia is Entire Loan Destination, where you can fulfil your dreams. ValuationIndia Finance provides bank loan and is amongst the top 3 finance company and top 3 loan service provider in India.

Required Documents


(a.)Application form.

(b.)Passport copy / PAN Card / Ration card.

(c.)Passport sized photographs of all applicants / co-applicants.

(d.)Latest Form 16 and 3 months salary statement.

(e.)Latest 6 month bank statement.

(f.)Repayment track record, if any

Sole Proprietor/Partnership/Pvt Ltd Company:

(a.)Application form

(b.)Passport copy / PAN Card / Ration card

(c.)Office address proof

(d.)Passport sized photographs of all applicants / co-applicants

(i.)Certified copies of MOA / AOA /Partnership deed

(f.)Repayment track record

(g.)2 years audited financials

(h.)2 yrs. ITR of directors/partners

(i.)6 months bank statement of main operating account

(j.)Professional qualification certificate in case of Doctors / CA / Lawyers / Architects.


Lease Rent Discount is another method to obtain finance from bank or other lending institutes. Lease Rent Discount (LRD) consideration is between the borrower who owns the premises, the tenant who has rented the said premises or taken on lease and the bank or financial institute or Corporate. The rent is considered as fixed income over a stipulated time i.e. Lease or rent period or tenure. The agreement is between the borrower and lender and the major term of repayment is the rent is directly deposited with the lender and not with the borrower.

The Borrower is sanctioned a loan based upon the rent to be collected over the period of lease.

ValuationIndia Lease Rental Discounting:

Lease Rent

Process Personal interview /discussions is held with the customers by the bank’s officials. Bank’s Field Investigation team visits the business place/work place of the applicant.All the documents submitted are verified by the bank with the originals so as to ensure the authenticity of the same. Bank verifies the track record of the applicant with the common information sharing bureau (CIBIL). In case of fresh projects the bank analyses the back ground of the applicant/firm/company and the Technical feasibility / financial viability of the project based on various parameters and also the existing market conditions.Depending on the size of the project the file is put up for sanction to the appropriate level of authority.

ValuationIndia Lease Rental Discounting

Lease Rent Process

Sanction and Disbursement:

On approval/sanction, the sanction letter is issued specifying the terms and conditions for the disbursement of the loan. The acceptance to the terms of sanction is taken From the Applicant.The processing charges as specified by the bank have to be paid to proceed further with the disbursement procedure. The documentation procedure takes place viz. Legal opinion of various property documents and also the valuation reports. Original Documents to title of the immovable assets are to be submitted. All the necessary documents as specified by the legal dept. according to the terms of sanction of the loan of the bank are executed. Disbursement of the loan takes place after the Legal Dept. Certifies the Correctness of execution documents. We are one of the best lease rental discounting provider in India.

Required Documents for Lease Rental Discounting:

The borrower and/or the guarantors have to provide the following documents to the banks or the lending institutions while submitting the Lease Rent Discount Loan Application. Certain documents may be demanded by the bank or the lending institutions in post sanction phase or on periodical basis.

Address Proof

(a.)Latest Electricity/Telephone Bill or

(b.)Receipt of Maintenance Charges or

(c.)Valid Passport

(d.)Voter’s Identity Card or

(e.)Purchase/Lease Deed/ Leave & License Agreement of Residence or Office Premises

Identity Proof

(a.)Valid Passport

(b.)PAN Card

(c.)Adhaar Card

(d.)Voter’s Card

(e.) Any other photo identification issued by Government Agencies.

Business Proof

(a.) VAT/CST Registration No.

(b.)MIDC Agreement

(c.)SSI Permanent Registration Certificate

(d.)Warehouse Receipts

(e.)Shop & Establishment Act Certificate

(f.)Copy of Lease Agreement along with the latest Rent paid Receipt.

(g.)Business Profile on Company’s Letterhead

(h.)Partnership deed in case of partnership firms

(i.)Certificate of incorporation

(j.)Date of Commencement of Business and Memorandum of Title Deeds

(k.)Form 32 for Addition or Deletion of Directors in case of companies

(l.)Last three years’ Trading, Profit & Loss A/c. and Balance Sheets (duly signed by a Chartered Accountant wherever applicable.

(m.)Last one year’s Bank statement of the Firm

(n.)If existing loan, then sanctioning letter and repayment schedule of the same

(o.)Firm/Company’s PAN Cards

(p.)Individual Income Tax Returns of the Individual/Partners/Directors for last three years

(q.)Last one year’s Bank statement of Individuals, Partners, Directors

(r.)SEBI formalities in case of listed companies

(s.)Share Holding pattern of Directors duly certified by a Chartered Accountant

(t.)List of the Existing Directors of the company from the Registrar of the Companies

(u.) Written & approved confirmation of having No Legal Suit filed against any of the directors. If any such legal suit or proceedings are pending then the details of such legal suit or proceeding

Working capital loan is the loan which is used to finance everyday operations of a company and not for buying any capital asset and not for buying any long term assets or investments.

This Loan is given for small businesses currently facing problem, usually commercial banks do not provide working capital support for small projects.

ValuationIndia will be able to arrange working capital loan for these small businesses, so that they can also start their own self- made projects. In day to day terminology, working capital is what your customers owe you plus any inventory you have built up minus what you owe your suppliers and employees. Any cash which will be available in their bank accounts that also consider as a Working Capital.

Eligibility for the Scheme:

Companies that could be covered under thus scheme could be::

a.) Companies who are bank defaulter but not a wilful defaulter. :

b.) Companies that are under financed & hence running in lower capacity.:

c.) Companies that have good market for their product.:

d.)Promoters of the company are competent and persons of integrity.:

e.) Technology is not outdated.:

Quantum of Working Capital Assistance:

Generally, a business require working capital which is 75% of the whole cycle of operation.:

Promoters Contribution: 25%:

Interest rate: PLR + weightage of risk.:

Repayment Period: Maximum 3 years:

In the current scenario, it's almost impossible for most of the businesses which are small to get the working capital they require to invest in their own projects from traditional lenders and banks. But without participation of these small businesses, our economy will likely remain stable. Mudra Finance, here, plays a vital role to taking up these small businesses to the next level by providing them working capital loans.


i.) First charge by way of hypothecation of current assets. :

ii.) Charge on fixed assets of the unit. :

iii.) Personal Guarantee of Promoter Director/Corporate Guarantee :

iv.) First pari-passu charge on the fixed assets of the unit, if the assets are mortgaged to other institutions/ Bank :

v.) Adequate collateral security:

Upfront fee: 1.00% of the loan amount:

Business Loans are offered in two types:

1. Secured and

2. Unsecured

(i) For a Secured Business Loan, the borrower needs to pledge something as collateral or security against the loan amount taken. Be it raw material or finished products, land or machinery, anything can be kept as collateral in agreement with the lending party. The borrower can also offer cash advance as collateral as it offers more liquidity and the loan can be availed at lower interest rates and flexible repayment options.

(ii) In case of Unsecured Business Loans, there is no requirement of any collateral from the borrower. However, while availing an unsecured business loan, the borrower needs to pay a high interest rate. Moreover, the loan amount is taken for a smaller tenure when compared to a secured loan. According to their tenure, business loans can be further diversified.

-We arrange a lot of business lending products like Business Loans, Small business loan, Secured and unsecured Term Loans and Overdraft Facility.

(a.) To meet the temporary needs of a business like short term working capital, a short term loan is most apt one, with the repayment time period of a year.

(b.)An Intermediate Loan is necessary for starting up business to buy inventory, equipment and also increase working capital.

(c.)A Long term is necessary for well-established business houses who wish to expand, increase their fixed assets or related business acquisitions, with terms that runs for a period of 3-5 years.

-We give our best to our clients to meet their financial requirements to keep business ahead of others and fast growing.Contact us now to get access to a whole range of unique benefits, services, business intelligence, deals and discounts that are normally enjoyed by large corporate.We are having the dedicated team of professionals to cater your needs .Our team includes senior ex-bankers who have more than 15 years of experience. We help our clients to grow their business, across various business segment/ industries. So, if you want to enhance or diversify your business, fund your next project, you can do it without disturbing your investments or taking multiple loans.

We also help you in debt syndication and debt consolidation, where you can transfer your high interest loans/debts to us. We compete with different banks and NBFCs to get the best deal for you in terms of rate of interest, repayment period, foreclosure charges and processing fees. With personalized solutions and service, we ensure that you get the best business loan deal you need to make your business dreams come true.

ValuationIndia provides Unsecured Business Loan in Delhi, NCR, Rajasthan and Mumbai with easy paper work and quickly approval at attractive rates of interest. We have vast business clientele who have availed unsecured business loan for us and successfully managed their requirements.


(a.) Minimum age 21 years.

(b.)Maximum age 65 years.

(c.)Minimum income (annual) Rs. 4, 00,000.

(d.)Minimum loan amount Rs. 100,000.

(e.)Maximum loan amount Rs. 2, 00, 00,000.

(f.)Minimum years of business existence 3 Years.

(h.)Minimum loan tenure 1 year.

(i.)Maximum loan tenure 5 year.

Required Documents for Business Loan:

Common Documents:-

(a.)Two photographs of each applicant & co- applicant.

(b.)Pan Card Copy each applicant & co- applicant.

(c.)Adhar Card of each applicant & co- applicant.

(d.)Utility Bill of office and current residence (latest month) each applicant & co- applicant.

Income Documents:-

(a.)3 years ITR, computation of income, P & L, Balance sheet, all annexure & schedule. List. (self & CA attested).

(b.)Sales & Purchase Summary – last 3 years (till date).

(c.)Dr. & Cr. List – last 3 years (till date).

(d.) Last 12 months bank statement of the company and all the EMI reflection if any loans going on.

(e.)Sanction letter of all Loans & OD/CC (if any).

Additional Documents:-

(a.)Pan card copy of Company.

(b.)MOA & AOA copy / Partnership Deed.

(c.)List of Directors/ Partners & Shareholders.

(d.)Business Proof (Shop & Establishment Certificate, VAT, Sales Tax, GST, Service Tax, IEC).

(e.)GST Certificate of the Company.

Furthermore, drawing the thin line between critical needs and expenses that can be put off till a

better financial situation prevails holds the key to prevent one from any financial predicament.

Making a single hasty decision without any idea of its impact in your business might prove to be detrimental in the long run. Therefore, one must be very clear of his actual need and necessities for enhancing and improving his business by borrowing the right loan with a detailed insight of its pros and cons. Hence, acquiring more capital in order to promote any business or consolidating old debts and credits, beckons the call for Business loans.

Agricultural Credit plays an extremely critical role in the development of the sector in the country, which often suffers from lack of timely access to institutional finance via Agri Loans.

At ValuationIndia, our endeavour is to plug this gap and provide end-to-end solutions - Credit and Service, to various participants in the Agri Value Chain ranging from farmers, aggregators, traders, processors, importers and exporters. Our in-depth knowledge of the Agri-Commodities Business Cycle and the flexibility in collateral, coupled with our speedy disbursals, enables us to offer our clients a competitive value proposition procurement coupled with funding.

This ensures better price of the produce to farmers as well as brings greater transparency and efficiency to the process. Resultant benefit to clients is that they get the commodities at a better price.

Funding for Storage of Agri Produce against Warehouse Receipt:

We fund farmers,aggregators and processors among others, to stock their produce, helping them get better price realisation.

Working capital finance:

We provide customised financing in accordance to the business cycle of each commodity, enabling effective processing of the Agri-Produce.

Structured Finance:

We enable clients meet their different needs through finance against collaterals such as Real Estate, Commodities and Other Financial Assets.

Export Import Financing to exporters and importers:

We help in better risk management,improved credit terms and faster turnover.

MSME Loans are offered to micro, small and medium Scale Industries where fund is used for setting up a unit, buying Machinery, Installations & Working Capital etc.As SME is the segment on which the economy of any country is based & as any business needs finance depending upon the size of business thus based on project & requirement there are various types of MSME and SME business loans available.

ValuationIndia has been consistently secured as one of the leading MSME Loan consultant and small business loan providers in Mumbai, India providing financial loans for small business. We have encouraged our customers over the years and takes the opportunity in providing small business loans.And now, we can propel your dreams by providing financial loans for small business. With us, you get quality service that is simple, friendly and customized. So whatever the size of your business, the only question is how big do you want to be?

Types of Loans:

(a.)Working Capital Loan

(b.)Term Loan

(c.)Over Draft & Cash Credit Facility

(d.)Lease Rent Discounting

Trade finance relates to the procedure of funding certain activities associated with business, international trade and planned around consumer’s needs in imports, exports, re-exports, bank guarantees, and short-term financing. Enterprises elaborate with trade finance include importers and exporters, banks and financiers, insurers and export credit agencies, and other service providers.

Our complete Trade Finance Services include:

(a.) Letter of Credit for Import (LC).

(b.) Standby Letter of Credit (SBLC).

(c.)Bank Guarantees (BG).

How can we help you:-

It’s our profession to find you the best trade finance deal from banks and financial institutions and non-bank funders. ValuationIndia helps your business look at a range of funding alternatives from a traditional overdraft or bank loan to a more innovative mass funding or another funding facility. Different from some of our opponents, we are not tied to any investors, we arrange a choice of funding for you so that you can pick the best solution.

Reasons of trade finance:

Helping the Budding Traders:

The business may start with a small capital but as it grows globally there may be requirement of large capital. The traders then take help from us to get the necessary financial aid. Trade finance services are available in many places to support the growing traders. The traders cannot depend on one financial resource and thus they come to us for more help. We can guide them in different ways to get the best financial assistance.

Meet Sudden Demands with Perfect Financial Assistance

ValuationIndia is a trade finance company which helps the budding and the established entrepreneurs to get the necessary assistance to grow strong. The sudden demand from the market may put the trader into sudden financial pressure. The raw materials have to be purchased, manufactured and then shipped. The money in return will take its own time. To meet the expenses with the demand, it is necessary for the traders to get the financial help. Such traders are supported by our experienced professionals in each and every step to get a good profit. The trader may be a middleman also who has to purchase the merchandise and supply to the customer.

Emerging Companies Need Financial Assistance

For all such reasons we have professionals who can help the traders in every step to get the necessary finance. Our charges are also affordable and we give the best services. Trade finance services in India gives support for the traders to get the help in the correct place. Such helps in finance increases the profit and also gives the instant support for business. There is a lot of Start-Up companies emerging in India and every one requires a lot of support which is possible by such trade finance services. We have a lot of clients who have taken our support for their trading businesses.

Right support at right time has helped their businesses to get good profit.

Our professionals update the competition in the present market and accordingly prepare the documentation. Local laws also are followed to prepare the documents for financial assistance. The finance required for domestic market and international markets may differ and our professionals are fully aware about it. The traders should be aware about their financial requirement too to give the best project report. We advise traders in every step to get maximum financial assistance.

(a.) Services: Letter of Credit (LC)

A Letter of Credit (LC) is an instrument issued by bank/financial institution for trade transaction. It is a type of payment in especially in International trade among an exporter and importer would require many trades in terms of documentation exchange, physical cargo movement as well as the settlement of payment which has to be well-defined and setup in order to certify safe payment of mode. Generally, when the importer is new to the Exporter, the financial dealings are complete either based on advance payment or LC.

We can arrange the following types of Letter of Credit:

(a.)Letter of credit for Importer.

(b.)Sight letter of credit and deferred letter of credit.

We can issue Letter of Credit on behalf of you as per term and condition agreed. For your requirement, send us Performa invoice containing the following:

(a.)Name of the buyer

(b.)Name of the beneficiary

(c.)Dispatches from to final destination

(d.)Mode of transport by air/road/ship

(e.)Bank grantee of beneficiary and their SWIFT code.

Stand by Letter of Credit

Its Use:

Standby letters of credit (SBLC) are often used in international trade transactions, such as the purchase of goods from another country. The seller will ask for a standby letter of credit, which can be cashed on demand if the buyer fails to make payment by the date specified in the contract.


A Standby Letter of are written obligations of an issuing bank to pay a sum of money to a beneficiary on behalf of their customer in the event that the customer does not pay the beneficiary. It is important to note that standby letters of credit apply only whenever the issuing bank’s commitment to pay is not contingent on the existence, validity and enforceability of its customer’s obligation.

Assignment of Standby letter of credit (SBLC) proceeds:

The beneficiary can assign the proceeds of a standby letter of credit. But this assignment does not assign the rights of the beneficiary as “drawer” on the standby letter of credit, and only the beneficiary may exercise the “drawer” rights and present the demand for payment under the terms of the standby letter of credit unless the terms of the instrument provide otherwise. This means that the assignee may receive the proceeds of the standby, but in order to obtain those proceeds the beneficiary must first make the demand for payment. An assignment of proceeds requires notice to the issuing bank of this action; otherwise the issuing bank would pay the beneficiary rather than the assignee.

The parties to the standby letter of credit:

The Applicant:

This is the customer of the bank who applies to the bank for the standby letter of credit. He must provide collateral to the bank or have sufficient credit to induce the bank to issue the instrument. He also must pay the bank a fee for issuing the instrument.

The Issuing Bank:

This is the applicant’s bank that issues the standby letter of credit.

The Beneficiary:

This is the party in whose favour the instrument is issued.

The Confirming Bank:

This is a bank (usually located near the beneficiary) that agrees (confirms) to pay the beneficiary rather than have the issuing bank pay the beneficiary. The beneficiary pays the Confirming Bank a fee for this convenience. The Confirming Bank then collects from the Issuing Bank the amount paid to the beneficiary.

The Advising Bank:

This is the bank that represents the beneficiary. It may accept the letter of credit on behalf of the beneficiary and collect on it on behalf of the beneficiary. In order for the transaction to be a bank-to-bank transaction, the advising bank works for the beneficiary to keep the instrument in the banking system.

(c.) Bank Guarantee Services:

A Bank guarantee (BG) is a promise from a bank/NBFC that the liabilities of a debtor will be met in the event that you fail to fulfill your contractual obligations. With a BG, assets are safe and secured & only waged if the other party in the contract fulfills the designated words agreed upon.

Types of Bank Guarantee:

(a.) Performance Guarantee

(b.)Bid Bond Guarantee

(c.)Financial Guarantee

(d.0Advance Payment Guarantee

(e.)Shipping Guarantee

(f.) Payment Guarantee

How Can We Help You

(a.)Our Expert trade finance team focus on you requirements.

(b.)Reduces your Credit risks.

(c.)We provide Bank Guarantee Services in a timely manner, while saving the clients from complicated paperwork.

We provide multiple option for BG.

Export finance offers a way for businesses to release working capital, specifically from overseas

transactions, that might otherwise remain tied up in invoices for long periods of time.

This type of trade finance is very specific, tailored to suit the financial demands of companies who export trades. It allows business to grow overseas. It also increases your trade with large foreign multinationals.

There are a lot of benefits to a business selling invoices overseas, but there can also be a lot of financial risks as well. It is important to fully understand the risks and the government regulations before selling overseas.

There are basically five types of export finance:

1. Pre-shipment export finance.

2. Post shipment export finance.

3. Export finance against collection of bills.

4. Deferred export finance.

5. Export finance against allowances and subsidies.

(1.)Pre-shipment export finance:

The exporter is provided finance even for the purchase of raw materials and processing them into finished products but this finance can be provided only when the exporter has firm order from the importer and the importer has also given an anticipatory Letter of Credit from his bank. So, against the export order received from the importer, the exporter is given finance by his bank which is called pre-shipment export finance.

(2.)Post shipment export finance:

After dispatching the goods to the importer, the exporter draws a bill, against which the importer will make payment. But this may take a minimum period of 3 to 6 months and this time gap will affect the exporter in his continuation of production. For this purpose after exporting, the export bill will be presented by the exporter to his bank. The bank will prefer to purchase the bill or collect the bill or even discount the bill, which depend on the economic status of the importing country.

(3.)Export finance against collection of bills:

When export is made to different countries, loan can be obtained from the bank against the bills sent for collection. As there are institutions such as Export Credit Guarantee Corporation, banks will come forward to provide finance to exporters. In case of a default, the guaranteeing company will indemnify at least 80% of defaulted amount. While financing against the export bills, the banker will take into account the FOB invoice and not CIF invoice (FOB — Free on Board invoice — Price includes all expenses incurred until the goods are kept on board the ship. CIF invoice includes costs, insurance and freight and so this type of an invoice will not be taken by the banker for financing).

(4.)Deferred export finance:

To enable the importer to purchase valuable goods, hire purchase financing or lease finance may be arranged. There are two types of deferred export finance:

(a).Supplier’s finance; and

(b.)Buyer’s finance.

(a.)Supplier’s finance in exporting:

In the supplier’s finance, exporter’s bank will finance the exporter so that he will sell the goods on installment basis to the importer. The exporter will receive the full value and the payment made in installments by the importer will be received by the exporter’s bank.

(b.)Buyer’s Finance in exporting: In buyer’s finance, the buyer is given credit under line of credit by the exporter’s bank and the exporter will be made to export.

(5.)Export finance against allowances and subsidies:

Exporters are given subsidies by the government so that they can sell the goods on reduced price to importer. For example, cash compensatory support is a subsidy given to the exporter by the government whenever there is an increase in expenditure, due to reasons beyond the control of the exporter, such as increase in transport cost or wage of the laborers.

-There are also allowances given for increasing exports. Example for this is duty drawback. Here, when a product is imported duty is paid. After processing, it is exported at a higher value. -The duty paid at the time of import is refunded which is called duty drawback. Gold is imported and duty is paid. It is converted into jewel and exported at a higher value and the import duty is refunded. It may take some time to receive the refund but the bank will finance against the refund of duty.

-When the exporter is faced with a sudden increase in expenditure due to reasons beyond his control, the government comes forward to provide cash compensatory support which is a percentage of costs of his finished product. Example: Deviation in the shipping route due to war.

-There is also export finance given to deemed exports i.e., in free trade zones at Mumbai, Chennai, Calcutta, Delhi, Cochin and Vizag, the suppliers of goods to foreign exporters are given finance. In these free trade zones, the value of the goods exported should be not less than 50% from the domestic market. Hence, the suppliers are provided finance under deemed export finance.

-In the year 2000, the government has come forward to start economic zones in Gujarat and Tamilnadu for the purpose of increasing exports. There is also a pass book facility available to the exporter for continuous finance from the banks.

Institutions involved in export finance:

-Number of institutions have not only emerged in providing export finance but even the

existing institutions have opened up various avenues in granting export finance.

The institutions are:

(a.) Export Import Bank

(b.) Commercial banks, both nationalized and non-nationalized

(c.)Development banks such as IDBI, ICICI, etc.

(d.)Small Industries Development Bank of India

(e.)State Finance Corporations

(f.)National Small Industries Corporation

(g.) Export Credit Guarantee Corporation.

-All the above institutions are providing finance for exporters directly as well as indirectly. They are also guaranteeing for the loans given by foreign banks. The foreign banks are giving offshore lending which our Indian banks are yet to take up. In offshore lending, loans are given in foreign exchange enabling the foreign buyers to purchase goods from the domestic producer.

-There is also export finance given to deemed exports which consists of finance made available to those who are supplying raw materials or semi-finished goods to foreign companies operating in India, especially in export processing zones or in free trade zones.