All Types of Loans - Personal, Business, Home, Gold Loans | Anjanisut Enterprises Kapurthala

💰 Complete Loan Solutions

Get instant approval on Personal, Business, Home, Gold Loans and more with competitive interest rates and flexible repayment options. Your financial goals are our priority!

Explore Loan Options

🏦 Types of Loans We Offer

Choose from our wide range of loan products designed to meet your specific financial needs

Personal Loan

Flexible personal loans for any purpose - medical emergencies, education, travel, or any personal needs.

  • Loan Amount: ₹50,000 - ₹25 Lakhs
  • Interest Rate: 10.5% - 18% p.a.
  • Tenure: 1 - 5 Years
  • Minimal Documentation
Apply Now

Business Loan

Fuel your business growth with our business loans for expansion, inventory, or working capital.

  • Loan Amount: ₹1 Lakh - ₹50 Lakhs
  • Interest Rate: 12% - 22% p.a.
  • Tenure: 1 - 7 Years
  • Quick Approval
Get Funded

Home Loan

Make your dream home a reality with our affordable home loans with attractive interest rates.

  • Loan Amount: ₹5 Lakhs - ₹5 Crores
  • Interest Rate: 8.5% - 11% p.a.
  • Tenure: Up to 30 Years
  • Tax Benefits Available
Buy Home

Gold Loan

Get instant cash against your gold jewelry with minimal paperwork and quick disbursal.

  • Loan Amount: ₹10,000 - ₹1 Crore
  • Interest Rate: 9% - 15% p.a.
  • Tenure: 3 Months - 3 Years
  • Same Day Disbursal
Get Cash

Loan Against Property

Leverage your property for substantial funds for business or personal needs.

  • Loan Amount: ₹5 Lakhs - ₹10 Crores
  • Interest Rate: 9.5% - 14% p.a.
  • Tenure: 5 - 15 Years
  • High Loan-to-Value
Apply LAP

Education Loan

Invest in your future with our education loans for higher studies in India and abroad.

  • Loan Amount: ₹50,000 - ₹1 Crore
  • Interest Rate: 9% - 13% p.a.
  • Tenure: Up to 15 Years
  • Moratorium Period Available
Study Abroad

📊 Interest Rate Comparison

Compare our competitive interest rates across different loan products

Personal Loan
10.5% - 18% p.a.
Business Loan
12% - 22% p.a.
Home Loan
8.5% - 11% p.a.
Gold Loan
9% - 15% p.a.
Loan Against Property
9.5% - 14% p.a.
Education Loan
9% - 13% p.a.

📋 Detailed Loan Comparison

Complete comparison of all loan products with detailed specifications

Loan Type Amount Range Interest Rate Tenure Processing Fee Approval Time
Personal Loan ₹50,000 - ₹25 Lakhs 10.5% - 18% p.a. 1 - 5 Years 2% - 3% 24-48 Hours
Business Loan ₹1 Lakh - ₹50 Lakhs 12% - 22% p.a. 1 - 7 Years 2% - 4% 5-7 Days
Home Loan ₹5 Lakhs - ₹5 Crores 8.5% - 11% p.a. Up to 30 Years 0.5% - 1% 7-15 Days
Gold Loan ₹10,000 - ₹1 Crore 9% - 15% p.a. 3 Months - 3 Years 1% - 2% Same Day
Loan Against Property ₹5 Lakhs - ₹10 Crores 9.5% - 14% p.a. 5 - 15 Years 1% - 2% 10-15 Days
Education Loan ₹50,000 - ₹1 Crore 9% - 13% p.a. Up to 15 Years 1% - 2% 7-10 Days

⭐ Why Choose Our Loan Services

Experience hassle-free borrowing with competitive rates and excellent customer service

Quick Approval

Get loan approval within 24-48 hours with minimal documentation and quick processing.

Competitive Rates

Enjoy some of the lowest interest rates in the market with flexible repayment options.

Minimal Documentation

Simple paperwork with easy-to-understand terms and transparent processes throughout.

Flexible Tenure

Choose repayment tenure that suits your financial situation from short to long term.

100% Secure

Your information is completely secure with us. We ensure complete confidentiality.

24/7 Support

Round-the-clock customer support to assist you at every step of your loan journey.

📝 Simple Application Process

Get your loan approved in just 4 easy steps with minimal hassle

1

Choose Loan Type

Select the loan product that best fits your financial needs from our wide range of options.

2

Submit Application

Fill out our simple online form or visit our office with required documents for quick processing.

3

Verification & Approval

Our team will verify your documents and creditworthiness for quick approval within 24-48 hours.

4

Get Funds

Once approved, loan amount will be disbursed directly to your bank account within 1-2 working days.

📄 Documents Required

Keep these documents ready for quick loan processing

Identity Proof

  • Aadhaar Card
  • PAN Card (Mandatory)
  • Passport
  • Voter ID Card
  • Driving License

Address Proof

  • Aadhaar Card
  • Utility Bills (Latest)
  • Rent Agreement
  • Property Documents
  • Bank Passbook

Income Proof

  • Latest 3 Months Salary Slips
  • 6 Months Bank Statements
  • Form 16 / IT Returns
  • Business Financial Statements
  • GST Returns (For Business)

❓ Frequently Asked Questions

Find answers to common questions about our loan services

What is the minimum credit score required for a loan?

While a credit score of 750+ is ideal, we also consider applications with scores as low as 650 depending on the loan type and other financial factors. We evaluate each application holistically.

How long does the loan approval process take?

For personal and gold loans, approval typically takes 24-48 hours. Home and business loans may take 7-15 days due to property verification and detailed documentation requirements.

Can I prepay my loan before the tenure ends?

Yes, you can prepay your loan anytime. For home loans, there's no prepayment penalty after 6 months. Other loans may have nominal prepayment charges of 2-3% which will be clearly mentioned in your loan agreement.

What happens if I miss an EMI payment?

We understand that financial situations can change. Contact us immediately if you foresee missing a payment. We offer grace periods and can restructure your loan if needed. Late payment charges apply after the grace period.

Do you offer loans to self-employed individuals?

Absolutely! We provide loans to both salaried and self-employed individuals. Self-employed applicants need to provide business proof, IT returns for last 2 years, and bank statements showing business transactions.

Is there a processing fee for loan applications?

Yes, processing fees range from 0.5% to 4% depending on the loan type and amount. This covers administrative costs, legal verification, and documentation. The exact fee structure will be disclosed upfront before you proceed.

Can I get a loan if I already have an existing loan?

Yes, you can apply for additional loans. We assess your total debt-to-income ratio. If your existing EMIs don't exceed 50% of your monthly income and you have a good repayment track record, you're eligible for another loan.

What is the maximum loan amount I can get?

The maximum loan amount depends on the loan type and your financial profile. Personal loans go up to ₹25 lakhs, business loans up to ₹50 lakhs, home loans up to ₹5 crores, and LAP up to ₹10 crores.

🚀 Ready to Get Your Loan Approved?

Take the first step towards achieving your financial goals with our hassle-free loan solutions

Apply for Loan Now