All Types of Loans Under One Roof
Personal, Business, Home, Car, LAP, Micro Loan & Government Schemes - Choose Your Perfect Loan Product
Personal Loan
Unsecured instant loan for medical, wedding, travel, education or any personal need
- ✓ No Collateral Required
- ✓ Quick 24-48 Hour Approval
- ✓ Flexible Tenure Options
- ✓ Minimal Documentation
Business Loan
Working capital, machinery, expansion - Secured & unsecured business funding options
- ✓ SME & MSME Funding
- ✓ Overdraft/CC Facilities
- ✓ GST/ITR Based Eligibility
- ✓ Multiple Bank Options
Home Loan
Purchase, construction or renovation - Long tenure loans with attractive interest rates
- ✓ Upto 90% Property Value
- ✓ Tax Benefits Available
- ✓ Balance Transfer Option
- ✓ Co-Applicant Support
Loan Against Property
High value funding against residential/commercial property for business or personal use
- ✓ Higher Loan Amount
- ✓ Lower Interest Rates
- ✓ Longer Tenure Available
- ✓ Multi-Purpose Usage
Car & Vehicle Loan
New car, used car, commercial vehicle - Competitive rates with flexible down payment
- ✓ New & Pre-Owned Cars
- ✓ Upto 90% Funding
- ✓ Commercial Vehicle Finance
- ✓ Quick Processing
Micro & Small Loan
Small ticket loans for micro enterprises, shops, kirana stores & daily working capital
- ✓ Low Ticket Size
- ✓ Easy Eligibility
- ✓ Minimal Documentation
- ✓ Fast Disbursal
Government Scheme Loans
Mudra, PMEGP, MSME schemes - Subsidized & collateral-free funding with expert guidance
- ✓ PMMY (Mudra) Loans
- ✓ PMEGP Subsidy Schemes
- ✓ Stand-Up India Program
- ✓ Project Report Support
Why Choose PK Finance for Loans
50+ Bank/NBFC Partners | ₹500Cr+ Loans Processed | 5000+ Happy Clients
Multiple Bank Options
We compare 50+ banks/NBFCs to get you the best interest rate & terms
Quick Processing
Personal loans approved in 24-48 hours with minimal documentation
100% Transparent
No hidden charges - complete clarity on processing fees & interest rates
Doorstep Service
Document pickup, verification & complete handholding till disbursal
Expert Team
Experienced loan consultants with deep banking network & product knowledge
Best Interest Rates
Negotiate with banks to secure lowest possible interest rates for you
File Structuring
Professional documentation & file preparation to maximize approval chances
Post-Sanction Support
Complete support from application to disbursal & even after loan closure
Personal Loan - Complete Guide
Personal loans are unsecured loans that don't require any collateral. Perfect for immediate cash needs like medical emergencies, wedding expenses, education fees, home renovation, or debt consolidation.
Key Features:
- Loan Amount: ₹50,000 to ₹40 Lakhs (based on income & credit score)
- Interest Rate: 10.5% - 24% per annum (depends on profile)
- Tenure: 12 months to 60 months
- Processing Time: 24-48 hours approval, instant disbursal
- Eligibility: Salaried (₹15k+ monthly) or Self-employed with ITR
Documents Required:
- PAN Card, Aadhaar Card, Address Proof
- Last 3 months Salary Slips (for salaried)
- Last 6 months Bank Statements
- Last 2 years ITR (for self-employed)
Business Loan - Grow Your Business
Business loans provide capital for business expansion, working capital management, machinery purchase, inventory stocking, or any business-related expenses. Available for proprietorships, partnerships, LLPs & companies.
Key Features:
- Loan Amount: ₹1 Lakh to ₹50 Crores (based on turnover)
- Interest Rate: 11% - 22% per annum
- Tenure: 1 year to 10 years
- Types: Term Loan, Working Capital, Overdraft/CC, Equipment Finance
- Eligibility: Minimum 2 years business vintage with GST/ITR
Documents Required:
- Business Registration Proof (GST, Shop Act, Udyam)
- Last 2 years ITR with Balance Sheet & P&L
- Last 12 months Bank Statements (business account)
- Property documents (if secured loan)
Home Loan - Own Your Dream Home
Home loans help you purchase ready-to-move flats, under-construction properties, independent houses, plots with construction, or renovate existing homes. Enjoy tax benefits under Section 80C & Section 24.
Key Features:
- Loan Amount: ₹5 Lakhs to ₹10 Crores (upto 90% of property value)
- Interest Rate: 8.5% - 11.5% per annum (floating/fixed)
- Tenure: 5 years to 30 years
- Types: Purchase, Construction, Plot + Construction, Home Improvement
- Tax Benefits: ₹1.5L (principal) + ₹2L (interest) deduction per year
Documents Required:
- Income Proof: Salary Slips, ITR, Form 16
- Property Documents: Sale Agreement, Approval Plans
- Bank Statements (last 6 months)
- Identity & Address Proof
Loan Against Property (LAP)
Pledge your residential or commercial property to avail high-value loans for business expansion, working capital, debt consolidation, education, or any major expense. Property remains with you - bank takes mortgage.
Key Features:
- Loan Amount: ₹5 Lakhs to ₹20 Crores (50-70% of property value)
- Interest Rate: 9% - 15% per annum (lower than unsecured loans)
- Tenure: 5 years to 20 years
- Property Types: Residential, Commercial, Industrial, Plots
- Usage: Business, Education, Medical, Debt Consolidation, Personal Needs
Documents Required:
- Property Papers: Sale Deed, Mutation, Encumbrance Certificate
- Income Documents: ITR, Bank Statements, Salary Slips
- Property Valuation Report by approved valuer
- KYC: PAN, Aadhaar, Address Proof
Car & Vehicle Loan
Finance your new or used car purchase with competitive interest rates & flexible EMI options. We also provide loans for commercial vehicles, taxis, trucks, and fleet financing for business use.
Key Features:
- Loan Amount: ₹1 Lakh to ₹1 Crore (85-90% of vehicle on-road price)
- Interest Rate: 8.5% - 14% per annum (varies by vehicle type)
- Tenure: 1 year to 7 years
- Vehicle Types: New/Used Cars, SUVs, Commercial Vehicles, Two-wheelers
- Down Payment: 10-20% of vehicle value
Documents Required:
- Income Proof: Salary Slips, ITR, Bank Statements
- Vehicle Quotation/Proforma Invoice
- KYC Documents: PAN, Aadhaar, Driving License
- Address Proof & Passport Size Photos
Government Scheme Loans
Central & State Government schemes provide subsidized funding, lower interest rates, and collateral-free loans for micro, small & medium enterprises. We guide you through complete application process.
Popular Schemes:
- PMMY (Mudra): ₹10 lakh unsecured for micro enterprises - Shishu, Kishor, Tarun
- PMEGP: ₹10-25 lakh with 15-35% subsidy for manufacturing/service units
- MSME Loans: Upto ₹1 Crore with CGTMSE guarantee (no collateral)
- Stand-Up India: ₹10 lakh to ₹1 Crore for SC/ST/Women entrepreneurs
- State Schemes: Bihar Startup Policy, CM Self-Employment Scheme etc.
Our Services:
- Eligibility Assessment & Scheme Selection
- Project Report Preparation
- Bank Application & Documentation
- Subsidy Claim Assistance
How Loan Process Works
Simple 4-Step Process from Application to Disbursal
Share Requirement
Tell us your loan requirement, amount needed, purpose & income details via call, WhatsApp or enquiry form
Start ApplicationDocument Submission
Submit basic KYC & income documents. We guide you on exact requirements & pick up documents from your location
Upload DocumentsProcessing & Approval
Our team files application with best-match banks, tracks progress & coordinates with bank for quick sanction
Track StatusDisbursal & Support
After sanction letter, complete final documentation & get loan amount disbursed in your account within 24-48 hours
Get FundedOur Track Record
Numbers That Speak Our Commitment to Excellence
5000+
Happy Clients Served
₹500Cr+
Total Loans Processed
50+
Bank & NBFC Partners
95%
Loan Approval Rate
Ready to Get Your Loan?
Share your requirement with us and our expert team will guide you through the best loan options, interest rates & complete documentation process. No obligation - 100% free consultation!
Office: PK Finance, Rajauli, Nawada, Bihar – 805125 | Email: sujeetkumaamr150487@gmail.com