Personal & Retail Loans
Quick, paperless, and hassle-free loans for your personal needs. We ensure 24-48 hour disbursement 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
Two Wheeler Loan
Easy financing for bikes and scooters with minimal documentation.
| Loan Amount | Up to ₹2 Lakhs |
| Interest Rate | 9.50% - 11% p.a. |
| Funding | 90% of Vehicle Cost |
| Tenure | Up to 5 Years |
Quick Process
- Same Day Approval
- Minimum Documentation
- Flexible EMI Options
- All Brands Accepted
Business & Corporate Loans
Fuel your business growth with our tailored financial products. We offer both secured and unsecured options for MSMEs.
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
Shop/Office Loan
Finance for purchasing commercial property for business use.
| Loan Amount | ₹10 Lakhs - ₹10 Crore |
| Interest Rate | 8.75% - 10% p.a. |
| Loan Tenure | Up to 20 Years |
| LTV Ratio | 70% of Property Value |
Property Types
- Retail Shops in Malls
- Office Spaces
- Showrooms
- Commercial Complexes
Government Subsidy Schemes
Complete assistance in project report preparation and file processing for all major Government loan schemes.
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: 8th Pass
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
- Monthly Repayment in 12 EMIs
- Digital Transaction Reward
Everything You Need to Know About Loans
Complete information to help you make informed financial decisions
Why Choose MAA LAXMI FINANCIAL?
At MAA LAXMI FINANCIAL SOLUTIONS, we understand that every financial requirement is unique. With over years of experience in Kolhapur's financial services sector, we have helped thousands of individuals and businesses achieve their financial goals.
Our Commitment:
- 100% Transparent Process - No hidden charges or surprise fees
- Quick Approvals - Most loans processed within 24-48 hours
- Expert Guidance - Dedicated relationship managers for every customer
- Best Interest Rates - Competitive rates from top banks and NBFCs
- Doorstep Service - We come to you for documentation and verification
How We Ensure Your Data Security
Your privacy and data security are our top priorities. We follow industry-best practices to protect your personal and financial information:
- Encrypted Document Storage - All documents stored with bank-grade encryption
- Secure Processing - RBI-compliant data handling procedures
- Confidentiality - Your information is never shared without consent
- Regular Audits - Periodic security audits and compliance checks
We are registered and compliant with all regulatory authorities including RBI, NBFC guidelines, and data protection laws.
Simple Loan Application Process
Submit Inquiry
Call us at +91 99702 97155 or visit our Kolhapur office. Tell us about your loan requirement, and we'll guide you on the best options available based on your profile and needs.
Document Submission
Submit basic documents like Aadhaar, PAN, income proof, and bank statements. Our team will verify everything and help you complete any missing paperwork. We offer doorstep documentation service in Kolhapur.
Application Processing
We process your application with multiple banks/NBFCs to get you the best interest rate and terms. Our team handles all follow-ups and ensures smooth processing without any hassle to you.
Loan Approval & Disbursal
Once approved, loan amount is disbursed directly to your bank account within 24-48 hours for personal loans and 5-7 days for business loans. We stay with you throughout the entire journey.
Tips to Improve Your CIBIL Score
- Pay all EMIs and credit card bills on time without any delay
- Keep your credit utilization below 30% of your total credit limit
- Don't apply for multiple loans or credit cards simultaneously
- Check your credit report regularly for errors and dispute them
- Maintain a good mix of secured and unsecured credit
- Avoid settling loans - always pay the full amount
Common Loan Mistakes to Avoid
- Taking a loan without comparing interest rates from different lenders
- Borrowing more than you actually need - increases EMI burden
- Ignoring the processing fees and other charges in total cost
- Not reading the loan agreement terms and conditions carefully
- Missing EMI payments - damages credit score severely
- Providing false information in loan application
Common Documents Required for Loans
For Salaried Individuals:
- Aadhaar Card & PAN Card (mandatory)
- Last 6 months salary slips
- Last 6 months bank statement
- Employment certificate/Appointment letter
- Form 16 or IT Returns (for higher loan amounts)
- Passport size photographs
- Current residence proof (electricity/phone bill)
For Self-Employed/Business:
- Aadhaar Card & PAN Card (mandatory)
- Business registration documents (GST, Shop Act)
- Last 2 years IT Returns with computation
- Last 12 months bank statement (Current Account)
- Business address proof
- Partnership deed/MOA (if applicable)
- Balance Sheet and P&L statements
Note: Additional documents may be required based on loan type and amount. Our team will guide you through the complete documentation process.
Frequently Asked Questions
What is the minimum CIBIL score required?
Generally, a CIBIL score of 650+ is required for personal loans and 700+ for business loans. However, we have special products for customers with lower scores as well.
How long does loan approval take?
For personal and gold loans, approval can be done within 2-4 hours if all documents are in order. Business loans typically take 3-5 working days for complete processing.
Can I prepay my loan without penalty?
Most of our loan products allow prepayment without any charges. However, some banks may charge a minimal fee (0.5-2%). We'll inform you upfront about all terms.
Do you charge any consultancy fees?
Our consultation service is absolutely FREE. We charge a nominal processing fee only after your loan is successfully disbursed. No advance payment required.
What if my loan gets rejected?
If one bank rejects, we try with other lenders. Our wide network gives you multiple chances. We also guide you on improving your profile for future applications.
Can I get a loan with low income?
Yes! We have micro loans starting from ₹5,000 and government schemes for low-income individuals. Visit us to discuss your specific situation.
Ready to Get Your Loan?
Join thousands of satisfied customers who have achieved their financial goals with MAA LAXMI FINANCIAL SOLUTIONS. Apply now and get approval within 24-48 hours!
MAA LAXMI FINANCIAL SOLUTIONS
Your Trusted Partner for All Financial Services