Mission
We ensure the appropriate financial solutions to the borrower by giving the right access of the product at a very attractive rate of Interest in fair and transparent manner.
Vision
The combination of Process and tools with the technology that we have enables our borrower to access optimal financial solutions for their financial needs.
Value

  • Innovation
  • Finding financial viable ways through creative ideas and consultancy.
  • Customized optimal financial solutions.
  • Dedicated and result oriented team
  • Sharing our Common Vision, collaborating and investing time to share insights and knowledge.
  • Empathetic approach to understand the urgency.
  • We are agile and quick in delivering quality service to our valuable clients.

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Loan Products for personal needs:
Home Loan
NRI Home Loan
Loan against Property
Car Loan and Used Car Loan
Loan against Shares

Loan Products for Business Needs
Loan against Property
Cash Credit
Overdraft Limit
Real Estate Funding
Project Loan
Drop Line OD Facilities
Hospital Funding

 

Unsecured Loans
Business Loan
Professional Loans for Doctors and CA’s
Personnel Loan for Salary account holders.
Equipment Financing.

 

Documentation:
Here is a checklist of the documents required to apply for a home loan. 

  1. Passport Size Photographs
  2. Identity Proof: Passport / Driving License / Voter ID / PAN Card / Aadhaar Card.
  3. Address Proof: Driving License / Registered Rent Agreement / Electricity Bill (up to 3 months old) / Passport.
  4. Employment Appointment Letter: Required if the current employment is less than 1-year old.
  5. Financial Documents:
    o Last 3 months salary slip.
    o 6 month bank statement.
    o 2 year Form 16.
  6. Property Documents: Sale deed, Khata, transfer of ownership.
  7. Advance Processing Cheque: A cancelled cheque for validation of bank account.
  8. Financial Documents:
    a. For Salaried Individual: 3 month salary slip, Form 16 and bank statementb. For Self-Employed Individual: IT returns for last 2 years along with computation of income tax for past 2 years certified by a Chartered accountantc. For Self-Employed Non- Professionals: IT returns for last 3 years along with computation of income tax for past 2 years certified by a Chartered accountant
  9. Complete Home Loan Application form duly filled.

 

Documentation for Loan against Property

For Salaried Individuals:

A copy of any of the following as proof of residence:

  • Ration Card
  • Telephone Bill
  • Electricity Bill
  • Voter's ID Card

A copy of any of the following as proof of identity:

  • Voter's ID Card
  • Employer's Card

Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
Salary slip for the previous 6 months showing all deductions
Form 16 for the previous 2 years
Copies of all the property documents of the concerned property to be pledged for the loan
For Self Employed Professionals/Individuals:

Certified Financial Statement for the previous 3 years
A copy of any of the following as proof of residence:

  • Ration Card
  • Telephone Bill
  • Electricity Bill
  • Voter's ID Card

A copy of any of the following as proof of identity:

  • Voter's ID Card
  • Employer's Card

Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
Copies of all the property documents of the concerned property to be pledged for the loan

 

Un Secured Loan Documentation
Personal Loan Documentation
Any individual who is employed by an institution and receives compensation in monthly salaries is an employee. Lenders require the following set of personal loan documents from salaried individuals.

  1. Valid Proof of Applicant's Identity (any one of the following): Voter ID Card / Passport / PAN Card / Driving License
  2. Proof of Residence (any one of the following): Ration Card / Passport / Utility Bill.
  3. Proof of Age (any one of the following): Voter ID Card / Passport / PAN Card / Driving License.
  4. Income Proof: Latest 3 month's Salary Slips and Form 16.
  5. Job Continuity Proof: Current Employment Certificate or Current Job Appointment letter and Experience Certificate.
  6. Bank Statement: Latest 6 month's statement from bank.
  7. 1 Passport size color Photograph.
  8. If there are existing loans submit Payment Track Record and sanction letter.
  9. Personal Loan Application Form duly filled.

 

Self-employed professional and non-professional applicants need to provide the following documents for a personal loan.

  1. Valid Proof of Applicant's Identity (any one of the following): Voter ID Card / Passport / PAN Card / Driving License
  2. Proof of Residence (any one of the following): Ration Card / Passport / Utility Bill
  3. Proof of Age (any one of the following): Voter ID Card / Passport / PAN Card / Driving License
  4. Office Address Proof: Property Document / Maintenance Bills / Utility Bill
  5. Office Ownership Proof: Property Documents / Maintenance Bill / Electricity Bill
  6. Business Existence Proof: 3 years old Salary Statement / Shop Establishment
  7. Income Proof: Latest 2 years Income Tax Returns including Computation.
  8. 1 Passport size color Photograph.
  9. Personal Loan Application Form duly filled.

 

Our Team
JOYDEEP DUTTA                                  

Being a Senior Banking Professional with experience of more than 22 years he holds immense knowledge of Banking and with his acumen of financial knowhow he comes out with competitive advantage of connect with most of the bank and NBFC’s.
He is an  Economics Graduate, Alumni of IIM – C and Management
Graduate from NIM, Mumbai.
He has vast expertise in Retail Banking domain, Trade Forex,
Corporate Banking, Strategic Planning and Credit & Risk Analysis.
Possesses the Cross Functional know- how and has the
Proficiency in Skill Enhancement within an organization.
He has worked with Axis Bank Ltd for more than 18 years.