Product Offerings

A new age partner for the new age Indian entrepreneur

At Dhanvarsha, we are proud of our ability to empathize and understand our customer’s individual needs. This
helps us customize and provide personalized solutions to our customers. Our approach is to handhold every
customer throughout the loan disbursement process. This ensures efficiencies aligned with the customer’s
urgency and requirement.

Our product portfolio offers our customers an attractive bouquet of secured and unsecured financing solutions
to choose from. This helps cater to their wide range of business and personal requirements.

Our customer-centric product benefits include:

  • Attractive interest rates
  • High level of customer interaction for loan customization
  • Convenient EMI Options
  • Quick Turnaround Times
  • Loan Against Property

    Get quick disbursements

    Loans that assist you in raising long-term financing against your residential, commercial or industrial property.

Eligibility

You are eligible for our loans if you meet one / more of the criteria below:

Self Employed Non Professional (SENP)

If you are an individual engaged in manufacturing, service sector or trading (whether wholesale or retail, business or profession) other than listed below in Self Employed Professionals (SEP) section.

Non Individual (Entities)

Under the non-individual category, if you are company registered under The Companies Act, 1956 subsequently amended in 2013 or if you are a partnership firm or a limited liability partnership firm in the business of manufacturing, trading (wholesale or retail) or in the service industry. In such cases, the business entity should be the main applicant. In case of proprietorships, the firm should be the main applicant and the proprietor should be a co-applicant.

Self Employed Professionals (SEP)

If you are a practicing doctor, chartered accountant, company secretary, architect or any other professional with an independent practice.

Salaried (Resident Indians Only)

If you are an individual in full time employment with an employer for monthly salary/ wage / remuneration.

This includes applicants working with any of the following institutions / firms: -

  • Govt. institutions / Semi-Govt. institutions
  • Public sector undertakings
  • Private sector companies such as Limited Companies / MNCs & Private Limited Companies
  • Partnership and Proprietorship Firms

documentation

The documents required for availing a loan with us are simple and include:

  • Application form with passport-sized photographs
  • Photo-Identity proof (Any one)
    Passport | Pan Card | Voters ID Card | Driving License
  • Property documents.
    • Latest Sale deed
    • Property Chain link documents ( Previous Sale deeds of the property )
    • Approved Sanction Plan
    • OC Copy ( if available )
    • Society registration certificate copy( if available )
    • Society Share Certificate Copy( if available )
    • Latest Property Tax receipt
    • Bank statements for the last 12 months
  • IT Returns for the last 3 years
  • Maintenance bill
  • All documents require self attestation
  • For Self Employed Non Professional, Entities and Self Employed Professionals
    • Balance sheet and P/L statement for last 2 years , Audit reports and all schedules
    • KYC documents including Certificate & proof of business existence
  • For Salaried
    • Form 16 for last 2 years
    • Salary slips for last 3months.
  • Existing loan tracks either through bank statements or Statement of Account ("SOA") of existing loans.

FAQs

We are here to help

When can you apply for a Loan against Property?

LAP (Loan Against Property) can be applied for if you are in need of funds for your business or any personal use and possess a residential, commercial or Industrial property which you can offer as collateral security.

Why should one take a Loan against Property?

A Loan Against Property is the best asset to leverage for business expansion or personal needs. It is offered against the market value of the property and with a clear repayment schedule, allows you to manage your cash flows and focus on your core business.

What is the security/ collateral one needs to provide?

Any immovable property owned by the applicant/co applicant. Title to the property should be clear, marketable and free from any encumbrance. The charge created on property shall be exclusive. Such security will be created by deposit of original title documents of the said property.

How much funding can I get?

We provide Loan Against Property INR 3 lakhs onwards.

What are the loan tenure options?

LAP Loans have a tenure of 36 to 180 months.

How do I apply for a loan?

You can call us on "022-67708505 / 022-28264295", or drop an email with your details on contact@dfltd.in or simply fill in a short form by clicking on "Apply for Loan" above and our Customer Service Representative will get in touch with you at the earliest.

How do I repay the loan?

Loan repayment typically happens via an Equated Monthly Installment (EMI) payment by the borrower to the lender over the tenure of the loan. The EMI includes components of both Principle & Interest. Installments are collected via direct debit from your bank account each month.

Can I foreclose my loan?

Yes, we offer the option to foreclose the loan. Details of the applicable foreclosure charges will be mentioned in your Sanction Letter.

EMI calculator

Attractive interest rates at your fingertips