Complete Private Loan Solutions

A Personal Loan is an unsecured loan that doesn't require any collateral, making it one of the most flexible financing options available. You can use the funds for any personal need - medical emergencies, wedding expenses, home renovation, debt consolidation, education, vacation, or any other legitimate purpose. The loan is disbursed as a lump sum directly to your bank account, and you repay it through fixed monthly EMIs over 1-5 years.

Personal loans are ideal for salaried and self-employed individuals who need quick funds without pledging assets. Interest rates are fixed, so your EMI remains constant throughout the tenure. At NEERU FINANCIAL, we partner with 50+ banks and NBFCs to get you the best rates based on your credit score, income, and repayment capacity.

A Home Loan is a secured loan that helps you purchase residential property, construct a house, buy a plot, or renovate your existing home. The property being purchased or constructed acts as collateral for the loan. Home loans come with the longest repayment tenure (up to 30 years) and lowest interest rates compared to other loan types due to the security provided by property.

Home loans offer significant tax benefits under Section 80C (principal repayment up to ₹1.5 lakhs) and Section 24(b) (interest payment up to ₹2 lakhs) of the Income Tax Act. Banks typically finance 75-90% of the property value, requiring you to arrange 10-25% as down payment. NEERU FINANCIAL helps you compare offers from multiple banks to get the best interest rates and maximize your loan eligibility.

A Car Loan helps you purchase your dream vehicle - both new and pre-owned cars - without exhausting your savings. The car you're purchasing acts as collateral for the loan, making it a secured loan with competitive interest rates. Car loans are available for sedans, SUVs, hatchbacks, MUVs, and even luxury vehicles from authorized dealers and certified used car dealers.

Banks and NBFCs finance 80-90% of the on-road price for new cars and 70-80% for used cars, requiring you to pay 10-30% as down payment. Loan tenure typically ranges from 1 to 7 years. The vehicle remains hypothecated to the lender until full repayment. NEERU FINANCIAL helps you get instant car loan approval from multiple lenders with attractive interest rates and flexible EMI options that fit your budget.

A Gold Loan is the quickest way to get instant liquidity by pledging your gold ornaments, coins, or jewelry. The loan amount depends on the purity and weight of gold, with lenders offering 65-75% of the gold's current market value. Gold loans are ideal for short-term financial needs, medical emergencies, business requirements, or managing cash flow gaps.

Gold loans offer the fastest approval - often within 30 minutes - with minimal documentation. Your gold is stored securely in bank lockers with insurance coverage. You can repay through monthly EMIs, bullet payment at maturity, or interest-only EMIs with principal at the end. Interest rates are significantly lower than personal loans due to gold security. NEERU FINANCIAL helps you get the best gold loan rates from banks and NBFCs with transparent valuation and quick processing.

A Mahila Group Loan is specially designed for women's self-help groups (SHGs) and women entrepreneurs to promote financial independence and economic empowerment. These loans provide capital for small businesses, livelihood activities, skill development, and income-generating projects run by women individually or collectively through SHGs.

Mahila group loans come with several benefits including lower interest rates compared to regular microfinance loans, flexible repayment terms, group-based lending that reduces individual risk, and comprehensive support for group formation and business planning. Banks and NBFCs have special schemes under financial inclusion programs to promote women entrepreneurship. NEERU FINANCIAL assists women groups in accessing these loans with complete guidance on group formation, loan application, and business planning.