Personal & Retail Loans
Quick, paperless, and hassle-free loans for your personal needs. We ensure 24-48 hour disbursement for eligible candidates with competitive interest rates.
Personal Loan
Ideal for wedding, medical emergency, travel, or any personal requirement.
| Loan Amount | ₹50k - ₹25 Lakhs |
| Interest Rate | 10.49% - 14% p.a. |
| Loan Tenure | 1 - 5 Years |
| Processing Time | 24-48 Hours |
Eligibility & Documents
- Salaried / Self-Employed
- Minimum Income: ₹15,000/month
- Aadhaar, PAN, Bank Statement
- Age: 21-60 years
Home Loan
For purchasing flat, house construction, or home renovation projects.
| Loan Amount | ₹5 Lakhs - ₹5 Crore |
| Interest Rate | 8.40% - 9.50% p.a. |
| Loan Tenure | Up to 30 Years |
| LTV Ratio | 90% of Property Value |
Key Benefits
- Tax Benefit (Section 80C)
- PMAY Subsidy Available
- Balance Transfer Facility
- Flexible Repayment Options
Car Loan
Financing for New Cars and Pre-owned (Used) Cars with 100% funding.
| New Car ROI | 8.70% - 9.50% p.a. |
| Used Car ROI | 10.50% - 12% p.a. |
| Funding | 100% On-Road Price |
| Tenure | Up to 7 Years |
Required Documents
- KYC Documents (Aadhaar/PAN)
- Income Proof (ITR/Salary Slip)
- Vehicle Quotation/Proforma
- Bank Statement (6 months)
Education Loan
For Higher Studies in India or Abroad with moratorium period.
| Loan Amount | Up to ₹1.5 Crore |
| Interest Rate | 9.50% - 11% p.a. |
| Moratorium | Course Duration + 1 Year |
| Coverage | Fees + Hostel + Travel |
Eligibility Criteria
- Confirmed College Admission
- Co-applicant Required (Parent)
- Tax Saving under Section 80E
- Covers tuition + living expenses
Gold Loan
Instant cash against your gold ornaments with bank locker safety.
| Loan Amount | Based on Gold Weight |
| Interest Rate | 0.75% - 1% per month |
| Disbursal Time | 30 Minutes |
| Gold Safety | Bank Locker Storage |
Why Choose Gold Loan?
- No Income Proof Required
- Interest-Only Payment Option
- Part Release Facility Available
- Lowest Market Interest Rates
Instant Loan
Emergency funds processed 100% digitally within minutes.
| Loan Amount | ₹5,000 - ₹5 Lakhs |
| Interest Rate | 1.5% - 2% per month |
| Tenure | 3 - 24 Months |
| Processing Mode | 100% Digital/Online |
Basic Requirements
- Aadhaar Linked Mobile Number
- Active Bank Account
- PAN Card Mandatory
- Good CIBIL Score (650+)
Business & Corporate Loans
Fuel your business growth with our tailored financial products. We offer both secured and unsecured options for MSMEs with flexible repayment terms.
Business Loan
Unsecured loans for working capital, inventory, and business expansion.
| Loan Limit | ₹5 Lakhs - ₹50 Crore |
| Interest Rate | 11.99% - 16% p.a. |
| Loan Tenure | 1 - 5 Years |
| Collateral | Not Required |
Eligibility Criteria
- Business Vintage: 2+ Years
- Annual Turnover: ₹10 Lakhs+
- GST & ITR Filed Regularly
- Good Credit History
Loan Against Property
High-value loan against Residential or Commercial property.
| Loan Limit | ₹10 Lakhs - ₹10 Crore |
| Interest Rate | 9.25% - 11% p.a. |
| Loan Tenure | Up to 15 Years |
| LTV Ratio | 65% of Market Value |
Accepted Properties
- Residential House/Flat
- Commercial Shops/Office Space
- Industrial Plots/Warehouses
- Self-Occupied Properties
MSME Loan
Under CGTMSE Scheme with no collateral requirement.
| Loan Limit | Up to ₹2 Crore |
| Interest Rate | 7% - 9% p.a. |
| Loan Type | Term Loan / Working Capital |
| Collateral | Not Required (CGTMSE) |
Key Features
- Udyam Registration Required
- Government-backed Guarantee
- Manufacturing/Service Sector
- Priority Sector Lending
Working Capital Loan
Short-term financing for day-to-day business operations.
| Loan Limit | ₹1 Lakh - ₹5 Crore |
| Interest Rate | 12% - 15% p.a. |
| Tenure | 6 Months - 3 Years |
| Facility Type | Overdraft/Cash Credit |
Usage Areas
- Inventory Purchase
- Salary & Wages Payment
- Rent & Utility Bills
- Raw Material Procurement
Machinery Loan
Financing for purchasing new or used machinery and equipment.
| Loan Limit | ₹5 Lakhs - ₹10 Crore |
| Interest Rate | 10% - 13% p.a. |
| Tenure | Up to 10 Years |
| Margin Money | 10% - 25% |
Covered Equipment
- Industrial Machinery
- Construction Equipment
- Agricultural Implements
- Commercial Vehicles
Micro Loan
Small loans for daily wagers, street vendors, and small shops.
| Loan Limit | ₹5,000 - ₹50,000 |
| Interest Rate | 12% - 18% p.a. |
| Repayment | Daily / Weekly / Monthly |
| Processing | Doorstep Service |
Who Can Apply?
- Street Vendors & Hawkers
- Small Shop/Kirana Owners
- Self-Help Groups (SHGs)
- Daily Wage Workers
Government Subsidy Schemes
We specialize in project report preparation and complete file processing for all major Central and State Government loan schemes with subsidies.
PM MUDRA Yojana
Collateral-free loans for micro and small units.
| Shishu | Up to ₹50,000 |
| Kishore | ₹50k - ₹5 Lakhs |
| Tarun | ₹5L - ₹10 Lakhs |
| Interest Rate | 8% - 12% p.a. |
Key Benefits
- No Collateral Required
- For New & Existing Business
- Manufacturing/Service/Trading
- Income Generation Activities
PMEGP Scheme
Loan with government subsidy for new business ventures.
| Manufacturing | Max ₹50 Lakhs |
| Service Sector | Max ₹20 Lakhs |
| General Subsidy | 15% - 25% |
| Special Category | 25% - 35% |
Subsidy Details
- Urban: 15% (General), 25% (Special)
- Rural: 25% (General), 35% (Special)
- Age: 18+ years
- Educational Qualification: 8th Pass
Startup India
For innovative startups with unique business ideas.
| Funding Support | Up to ₹10 Crore |
| Tax Benefit | 3 Years Tax Holiday |
| IPR Support | 80% Rebate on Patents |
| Compliance | Self Certification |
Eligibility
- Incorporated as Pvt Ltd/LLP
- Turnover < ₹100 Crore
- Age < 10 years from incorporation
- Working towards innovation
Stand-Up India
For SC/ST and Women Entrepreneurs for greenfield projects.
| Loan Amount | ₹10 Lakhs - ₹1 Crore |
| Loan Tenure | Up to 7 Years |
| Moratorium | 18 Months |
| Project Type | Manufacturing/Service/Trading |
Who Can Apply?
- SC/ST Entrepreneurs
- Women Entrepreneurs
- Age: Above 18 years
- First-time borrowers preferred
PM SVANidhi
Micro credit scheme for street vendors and hawkers.
| 1st Loan Tranche | ₹10,000 |
| 2nd Loan Tranche | ₹20,000 |
| 3rd Loan Tranche | ₹50,000 |
| Interest Subsidy | 7% Annual Cashback |
Benefits
- No Collateral Required
- 7% Interest Subsidy on Timely Repayment
- Monthly Repayment in 12 EMIs
- Digital Transaction Reward
Kisan Credit Card
Short-term credit for agriculture and allied activities.
| Credit Limit | Based on Land Holding |
| Interest Rate | 4% p.a. (with subsidy) |
| Tenure | 5 Years (Renewable) |
| Coverage | Crop + Allied Activities |
Coverage Areas
- Crop Cultivation Expenses
- Harvest & Post-Harvest Costs
- Dairy, Fishery, Poultry
- Allied Agricultural Activities
Compare Popular Loans
Choose the right loan for your needs with our easy comparison guide
| Loan Type | Amount Range | Interest Rate | Tenure | Best For | Action |
|---|---|---|---|---|---|
| Personal Loan | ₹50k - ₹25L | 10.49% - 14% p.a. | 1-5 Years | Emergency, Wedding, Travel | Apply → |
| Home Loan | ₹5L - ₹5Cr | 8.40% - 9.50% p.a. | Up to 30 Years | Property Purchase, Construction | Apply → |
| Business Loan | ₹5L - ₹50Cr | 11.99% - 16% p.a. | 1-5 Years | Business Expansion, Working Capital | Apply → |
| Gold Loan | Based on Gold | 0.75% - 1% /month | Flexible | Instant Cash, Emergency | Apply → |
| Education Loan | Up to ₹1.5Cr | 9.50% - 11% p.a. | Course + 1 Year | Higher Studies India/Abroad | Apply → |
| MUDRA Loan | Up to ₹10L | 8% - 12% p.a. | Flexible | Small Business, Self-Employed | Apply → |
What Makes Us Different
Fast Approval
Get loan approval within 24-48 hours with our streamlined digital process and minimal documentation.
Best Rates
Industry-leading competitive interest rates starting from 7% p.a. with flexible repayment options.
100% Secure
Bank-grade security with complete transparency. No hidden charges or processing fees surprises.
24/7 Support
Dedicated relationship manager and round-the-clock customer support for all your queries.
Simple Loan Application Process
Get your loan in just 4 easy steps with our hassle-free digital process
Apply Online
Fill the simple enquiry form with basic details
Documentation
Submit required documents for verification
Quick Processing
Our team processes your application instantly
Get Funded
Loan amount credited directly to your account
Things To Know Before Applying
Required Documents
- Valid ID Proof (Aadhaar/Passport/Voter ID)
- PAN Card (Mandatory for all loans)
- Address Proof (Recent utility bill/Rent agreement)
- Income Proof (Salary Slips/ITR/Bank Statements)
- Business Documents (For business loans - GST, Udyam, etc.)
- Bank Statements (Last 6 months)
Eligibility Factors
- Age: Minimum 21 years, Maximum 60-65 years
- Employment: Salaried/Self-Employed/Business Owner
- Credit Score: Minimum 650+ (CIBIL Score)
- Income Stability: Regular income for past 6 months
- Existing Loans: Low debt-to-income ratio preferred
- Repayment Capacity: Sufficient surplus after expenses
Pro Tip
Maintain a good credit score above 750 for best interest rates. Pay your existing EMIs on time and avoid multiple loan applications simultaneously to improve approval chances.
Ready to Get Your Loan?
Join thousands of satisfied customers who have achieved their financial goals with our quick and easy loan services. Apply now and get approval within 24 hours!
GOLDPEAK FINANCIAL SOLUTIONS PVT LTD
Your Trusted Financial Services Partner in Maldah
Register Office: 29/95(B)/22, Mahananda Pally Jhaljhalia, Opposite RPF Barrack, Maldah - 732102
Email Support: support@goldpeak.co.in | grivence@goldpeak.co.in | partner@goldpeak.co.in