• Home
  • Service Detail



A Business Loan, will be the perfect solution to ensure your business not only gets the required financial support, but also the one it deserves. IHFL  Services dealing in business loan. A business loan is borrowed capital that companies apply toward expenses that they are unable to pay for themselves. Some business owners use business loans to pay for salaries and wages until their new company gets off the ground, while other companies put borrowed funds toward office supplies, inventory or business projects.


 Important Information

 Personal/Educational loans are offered up to 50 Lakhs.

 Special schemes for Government, Private sectors employee and self employee as Doctors, Engineers, Teacher, Architectures, Chartered Accountants and other persons for grow their business.

 You can get personal/educational loan at 6%to 8% flat p.a rate of interest.

 A person can get a personal loan which have minimum six thousand salary.

 Easy EMI options means mode of payment and time.

 One must have a creditors proof stating about a steady job, including past Paychecks.

 Maximum loan repayment time is 20 years.

 Needs a Guarantor to get all type of loan

 Bad Cibil score doesn't matter for any type of loan

 If your file has been rejected by bank you can apply in our company

 Documents Required

 2 Photographs

 Address Proof

 I.D. Proof

 2 Stamp Paper of Rs.50/- in favor of the Applicant.

 Bank Statement of last 6 months

 File Charge Rs. 10900/

 Last two month of salary slip.

 Type of Guarantor

 Government Guarantor

 Private Limited Guarantor

 Property Guarantor

 Documents Valid as Address Proof

The company accepts following documents from the client side in the case of loan.


 Rashan Card

 Electricity Bill

 Mobile Bill

 Land Line Bill


 Residential Proof

 House Tax Slip

 Water Bill

 Gas Bill etc.

 Required Documents of Guarantor

 2 Recent Photographs

 Address Proof

 ID Proof

 2 Stamp Papers 50-50 Rs/-

 Bank Details

 Property Documents (in case of property guarantor)

 Last two month of pay slip & last six month bank statement (in case of govt/pvt)

 Last two year statement of I.T.R (in case of I.T.R Guarantor)

 Documents Valid as I.D. Proof

 PAN Card

 Voter Card

 Driving License

 Job Certificate (at present) issued from company in which Applicant Working

 College Identity Card Etc.


Loan against Property FAQs

What is Loan against Property?

A Loan against Property is a secured loan availed against a commercial or residential property kept as collateral with the lender. As the funds come with no end usage restriction, borrowers can utilise the funds for various purposes such as business expansion, wedding, child’s education, etc.


Check out these features of a Loan against Property from IHFL


LTV of the Property Loan is 75% – 90% of the current market value of the mortgaged property.

Comes with flexible repayment tenure up to 20 years

Funds up to Rs. 1000 Crore are available

Simple and easy-to-meet eligibility criteria

Know property loan tax benefits and how to get a Property Loan in details before applying for one.


What are the property types you can take Mortgage Loan?

A Loan against Property is a convenient option to finance all high-end expenditures for business or personal purposes. You can mortgage various Loan against Property types as collateral to avail funds of up to Rs. 1000 Crore.


Following are some of the collateral variants lenders consider with their Mortgage Loan product types:


Self-occupied residential property, including house, apartment, flat, etc.

Rented residential properties are also accepted as Property Loan types.

Commercial property such as an office building, shops, malls, complexes, etc.

A plot of land under your ownership is accepted as one of the Home Mortgage Loan types.

Check out the types of Home Mortgage Loan from Bajaj Finserv and apply for an appropriate one


How can you prepay a Loan against Property?

A Loan against Property from Bajaj Finserv comes with a host of features and benefits including prepayment facility. If you think what home mortgage loan prepayment is, well, it signifies paying off a certain part of the principal amount over and above the EMIs.

To part prepay, pay an amount that is equal to or more than 1 EMI. Complete the process at zero or nominal prepayment charges.


Benefits of Prepayment

Reduces the outstanding principal.

Lowers either the EMIs or the loan tenure.

Frees you from debts quickly.

Contact IHFL to understand Home Mortgage Loan meaning and how you can best benefit from it. Meet the Loan against Property eligibility and apply successfully.


Are uninsured properties accepted to sanction a Loan against Property?

When taking a Loan against Property, it is essential to insure the property being mortgaged. The insurance cover should cover damages caused by fire and such calamities and must be valid throughout the loan tenure.


Every borrower has to submit a proof of the insurance policy annually or when needed. The reason why you need a home mortgage loan insurance policy is the approval of your application. You can also enjoy the benefit of loan mortgage insurance tax-deductible.


Understand everything about what a Loan against Property or LAP is carefully before applying. The procedure of how to use a Property Loan is made online for your convenience.


I authorize IHFL representative to call /SMS towards this application and other products/services. This consent overrides my registration for DNC/NDNC.T&C



Loan against Property: Features play Financing your child’s education, managing your wedding expenses, expanding your business, or even handling unforeseen medical expenses, a Loan against Property from IHFL enables you to do it all. IHFINCORP offers customised Property Loan to salaried and self-employed individuals. High-value loans made IHFINCORP  gives you access to a higher loan amount at affordable Loan against Property interest rates. Salaried individuals get a high loan amount up to Rs.1 crore, while self-employed individuals can avail a loan of up to Rs.100 crore.Disbursal in 15-days Simple Loan against Property eligibility criteria, minimal documentation and doorstep service makes the loan application process a hassle-free one. IHFINCORP offers the loan in just 4 days. Flexible tenure Salaried individuals can select a tenure ranging from 2 to 20 years and repay the loan conveniently. Self-employed individuals can select a tenure of up to 18 years to repay the loan. You can part-prepay or prepay your loan anytime at minimal charges. Easy balance transfer facility Transfer your existing loan using Loan against Property Balance Transfer facility to IHFLwith minimal documentation and quick processing and get a high-value top-up loan. Flexi dropline feature Borrow as you go and pay interest only on the amount utilised. Manage your finances effectively and pay interest-only EMIs. Online account management Access your loan details anytime and anywhere via customer portal - Experia With tools like Loan against Property Eligibility Calculator and Loan against Property EMI Calculator, you can manage your loan easily.

Unsecured Loans

HomePersonal Loan

Unsecured Loans

IHFL offers unsecured personal loans online to customers from every economic background. We support your dreams and ambitions by providing customised personal loans to meet planned or emergency expenses. At our institution, we are always on our toes to help you through your financial needs, with funds for a medical emergency, home renovation, big-ticket purchase, wedding, vacation, travel, and a lot more.


Features And Benefits

The features and benefits of unsecured loans are:


Both salaried and self-employed individuals can apply for unsecured loans

You can avail a loan amount of up to Rs. 25 lakhs

For doctors, the borrowing limit is up to Rs. 80 lakhs

Interest rate is as low as 10.99% and up to 36%

Tenure is between 12 months and 60 months

You can foreclose the loan after payment of the initial 6 EMIs

Interest Rates And Charges

The personal loan interest rates online starts from 10.99% for salaried borrowers. Some of the other factors that we consider to determine the rates are your net income, age, location, existing monthly obligation, employment (salaried or self-employed person), etc.


Documents Required

The list of documents required for a personal loan application includes:


Recent passport-sized photographs

Completed personal loan application form

Age proof (Passport/PAN card/Certificate from a statutory authority)

Identity proof (Driving license/voter ID card/Passport/PAN card)

Address proof (Telephone bill/electricity bill/Passport/driving license/ration card/rental agreement/bank statement or passbook)

Salary slips/proofs of the last 3 months or bank passbook/statement of the last 6 months

Form 16

Income tax returns

Processing fee cheque

NOTE: The documents required for a personal loan may vary from a person to person depending on his/her profile and employment.


Personal Loan Eligibility Check

The eligibility criteria for unsecured loans by Fullerton India are listed below:


Minimum age to apply is 21 years of age, not exceeding 65 years at the time of loan closure

You must be a resident citizen of India to apply for unsecured personal loans online

You must have the necessary documents required for the personal loan along with the duly filled and signed application form

For Salaried Professionals:

You must be an employee of a public sector undertaking (central, state, or a local body) or a private limited company

Your monthly income must be at least Rs. 25,000 if residing in Mumbai or Delhi

Your monthly income must be at least Rs. 15, 000 if residing in any other part of India

For Self Employed:

Your yearly income should satisfy the organisation’s policy at the time of loan application. Please note that this amount is different for each person depending on other factors such as location and loan amount required

Financial statements that show stability of income

How To Apply For An Unsecured Loan?

At IHFL you can apply for unsecured personal loans online or offline. Walk into our nearest branch office for a free consultation and guidance regarding an ideal funding option suiting your needs. Or, you may choose to apply online and get an instant approval for funds. Remember to keep a soft-copy of documents required for personal loan ready for upload in case of an online application


Unsecured Business Loans from Anywhere in India

Small Businesses

How to Apply for Business Loan Online?

Check Eligibility

Check your eligibility for a business loan


Submit Application

Complete a 100% online application form

Get Sanctioned

We will evaluate your application and propose a fair sanction


Receive Funds

Receive your loan within 3 days and use it to grow your business


Experience our new App

Download IHFINCORP App from Google Play Store and get instant sanction in 5 min

What Customers Say

Infi Retail

IHFL’s processes are quite easy and simple to understand. Plus, the behaviour of their executives is quite professional. The loans provided by them helped in increasing my inventory. The application process was all online and therefore painless, the rates are excellent.


In The News

IHFINCORP BASIX Sub-K partner to facilitate loans to Micro- Enterprises


IHFINCORP - Small Business Loan

IHFL is a non-deposit taking NBFC providing working capital loans and business loans to SMEs across India. We give you access to capital in a completely online, quick process with minimum documents and no collateral needed.


We hope to become your partner in laying a strong foundation for your businesses and helping it grow to its full potential.


IHFL - App

Note :No Processing Fees is being charged by IHFINCORP before disbursement of loan amount. Any individual claiming otherwise must not be entertained. Please report such activity on.

Copyright @2020 IHFINCORP. Powered By Eltro Cyberchrome Pvt Ltd