All Loan Services
Best Rates. Fast Approval.
Personal Loan | Business Loan | Home Loan | Gold Loan | Car Loan | Doctor's Loan | Education Loan
Govt Scheme Loans | Instant Digital Loan | Loan Against Property & More
Personal Loan
Medical emergency, wedding, travel, education, home renovation — personal loan covers every need without any collateral.
TrueCapFin works directly with 14+ banks & NBFCs to get you the lowest interest rate based on your profile. We also handle low CIBIL cases and multiple existing loan profiles by personally coordinating with bank managers. Process is 100% transparent — zero hidden charges.
| Parameter | Salaried | Self-Employed |
|---|---|---|
| Min. Monthly Income | ₹15,000 | ₹25,000 (net profit) |
| Min. Age | 21 Years | 23 Years |
| CIBIL Score | 700+ preferred | 700+ preferred |
| Employment Stability | 6+ months in current job | 2+ years in business |
| Documents | Aadhaar, PAN, Salary Slip, Bank Stmt | Aadhaar, PAN, ITR, Bank Stmt |
Business Loan
Expand your business, buy machinery, add working capital, or launch a new venture — TrueCapFin has the right business loan for every stage.
We specialize in CGTMSE (Government Guarantee) collateral-free loans up to ₹5 Crores for MSMEs in manufacturing, trading & service sectors. Our team analyzes your GST returns, ITR, and cash flow to maximize your eligible loan amount from top banks like HDFC, Axis, Bajaj Finserv, and NBFC partners.
| Parameter | Requirement |
|---|---|
| Business Vintage | Minimum 2 years in operation |
| Annual Turnover | ₹10L+ (as per GST/ITR) |
| CIBIL Score | 700+ preferred (680+ considered) |
| Business Type | Pvt Ltd, Partnership, Proprietorship, LLP |
| GST | GST registration required for most lenders |
| Documents | Aadhaar, PAN, ITR 2 yrs, GST returns, Bank Stmt 12 months |
Home Loan & Loan Against Property
Build your dream home or unlock value from your existing property. TrueCapFin offers the most competitive home loan rates from top banks.
New construction, ready possession, resale, plot + construction, home renovation — we cover all. Already have a high-interest loan? Use our Balance Transfer (BT) service to shift to a lower-rate bank and reduce your EMI. LAP available for both residential and commercial properties with up to 75% LTV.
| Parameter | Home Loan | LAP (Loan Against Property) |
|---|---|---|
| Loan Amount | ₹5L – ₹5 Crore | ₹10L – ₹5 Crore |
| LTV Ratio | Up to 90% | Up to 75% |
| Interest Rate | 8.40%* onwards | 9.50%* onwards |
| Tenure | Up to 30 Years | Up to 15 Years |
| CIBIL Score | 650+ (700 preferred) | 650+ (700 preferred) |
| Property Type | Residential/Under-construction | Residential & Commercial |
Gold Loan
Need instant cash? Your gold jewellery can get you money in minutes — no income proof required, no CIBIL check, minimum documents.
Gold loan is the fastest way to get emergency funds. We process gold loans through top banks like HDFC, Axis, and NBFCs like Muthoot, Manappuram. Pledge your gold, get cash, repay and take your gold back — simple, safe, and fully secure process.
| Parameter | Details |
|---|---|
| Gold Purity | 18 Karat to 24 Karat jewellery accepted |
| LTV Ratio | Up to 75% of gold market value |
| Interest Rate | 9.50%* – 14% p.a. depending on lender |
| Tenure | 3 months to 36 months (Bullet repayment available) |
| Documents | Aadhaar + PAN (No income proof needed) |
| CIBIL Score | Not required for gold loan |
Car Loan (New & Used)
Drive home your dream car today! TrueCapFin arranges 100% on-road funding for new cars and up to 90% valuation for used vehicles up to 10 years old.
We work with HDFC Bank, ICICI Bank, Axis Bank, Kotak, and other auto finance companies to get you the best car loan deal. Doorstep documentation and fast processing make it convenient for you. Used car loans also available for vehicles up to 10 years old with flexible tenure options.
| Parameter | New Car | Used Car |
|---|---|---|
| Funding | Up to 100% on-road price | Up to 90% of valuation |
| Interest Rate | 8.50%* onwards | 11%* onwards |
| Tenure | 1–7 years | 1–5 years |
| Vehicle Age | Brand new | Up to 10 years old |
| Min. Income | ₹20,000/month | ₹25,000/month |
| Documents | Aadhaar, PAN, Income proof, Bank Stmt | Same + Vehicle RC & valuation |
Doctor's Loan
Specially designed loans for doctors, surgeons, dentists, and medical professionals to set up clinic, buy equipment, or expand practice.
Banks like HDFC, ICICI, and Axis offer exclusive Doctor Loan schemes with higher loan amounts, lower interest rates, and faster approvals compared to regular business loans. We specialize in preparing the right documentation and choosing the best bank for your specialty and qualification.
| Parameter | Details |
|---|---|
| Eligible Doctors | MBBS, BDS, MD, MS, MDS, BAMS, BHMS, Specialists |
| Practice Vintage | Minimum 1 year (fresh graduates also considered) |
| Loan Amount | ₹5 Lakh to ₹2 Crore (collateral-free up to ₹50L) |
| Interest Rate | 10.50%* onwards |
| Tenure | Up to 7 years |
| Documents | Degree certificate, MCI/State registration, Aadhaar, PAN, Bank Stmt |
Education Loan
Fund your studies in India or abroad without financial stress. TrueCapFin helps students secure education loans from top banks with moratorium periods.
Education loans cover tuition fees, hostel, travel, books, laptop, and living expenses. Moratorium period (course duration + 1 year) means you start repayment only after completing your studies. No collateral required for loans up to ₹7.5 Lakhs under government schemes.
| Parameter | India | Abroad |
|---|---|---|
| Max Loan Amount | Up to ₹20 Lakhs | Up to ₹1.5 Crore |
| Collateral Required | No (up to ₹7.5L) | Yes (above ₹7.5L) |
| Interest Rate | 9%* – 12% | 8.85%* – 11% |
| Courses Covered | Graduation, PG, Diploma | MS, MBA, MBBS, PhD etc. |
| Repayment Start | Course + 12 months | Course + 12 months |
Government Scheme Loans
Access government-backed subsidized loans — Mudra, PMEGP, Stand Up India, PM SVANidhi — with expert assistance from TrueCapFin.
Government scheme loans offer subsidized interest rates, capital subsidy, and collateral-free funding for small businesses, entrepreneurs, and self-employed individuals. Our team prepares complete project reports, DPR, and handles all government portal applications to maximize your chances of approval.
| Scheme | Amount | Subsidy / Benefit |
|---|---|---|
| Mudra Shishu | Up to ₹50,000 | No collateral required |
| Mudra Kishore | ₹50K – ₹5 Lakh | No collateral required |
| Mudra Tarun | ₹5L – ₹10 Lakh | No collateral required |
| PMEGP | Up to ₹50 Lakh | 15%–35% capital subsidy |
| Stand Up India | ₹10L – ₹1 Crore | For SC/ST & Women entrepreneurs |
| KCC (Agriculture) | Up to ₹3 Lakh | 7% interest (with prompt repayment) |
Instant Digital Loan
Emergency funds in hours — 100% online process, minimal documents, no branch visit required. Available through top fintech NBFCs.
Through partners like PaySense, Finnable, InCred, and KreditBee, we process instant digital loans for salaried and self-employed individuals. Apply online, upload documents digitally, and get money directly in bank account — sometimes within 2-4 hours of approval.
| NBFC Partner | Max Amount | Speciality |
|---|---|---|
| PaySense | ₹5 Lakh | Salaried & self-employed, fast approval |
| Finnable | ₹5 Lakh | Low CIBIL, flexible terms |
| InCred | ₹3 Lakh | Education & personal needs |
| KreditBee | ₹2 Lakh | Young professionals & students |
Agriculture & Kisan Loan
Comprehensive agriculture loan solutions for crop production, equipment purchase, land development, and allied activities at subsidized rates.
We assist farmers with Kisan Credit Card (KCC), crop loans, agriculture term loans, and equipment finance through nationalized banks like SBI, PNB, and regional cooperative banks. Government interest subvention scheme offers effective rates as low as 4% for prompt repayers.
More Loan Categories
Credit Card
Apply for premium credit cards — HDFC, Axis, ICICI, SBI with best rewards, cashback & lifestyle benefits.
Apply NowBalance Transfer (BT)
High interest rate on existing loan? Transfer to a lower-rate bank and reduce your monthly EMI significantly.
Enquire NowTop-Up Loan
Get additional funds on your existing home or personal loan without fresh documentation at attractive rates.
Enquire NowMicro Finance / JLG
Joint Liability Group (JLG) & SHG micro loans for women entrepreneurs and small self-help groups.
Apply NowStop Waiting. Start Building Your Dream.
14+ Bank Partners | Lowest Interest Rates | Free Consultation | No Hidden Charges