Loans – Malik Fintax | Aligarh
Malik Fintax — Loan Services, Aligarh

Smart Loans for
Every Financial Need

Personal, Home, Car, Education, Gold, Business & Government Scheme Loans — fastest approvals at lowest interest rates with zero hidden charges.

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Personal LoanHome LoanCar LoanEducation Loan Gold LoanBusiness LoanMudra LoanOD / CC Loan Micro LoanUsed Car LoanGovt Yojana LoanQuick Approval
Personal Loan

Instant Cash for Personal Needs

No collateral, no guarantor — get personal loan approved in 24–48 hours directly in your bank account. Salary and self-employed both eligible. Best rates from 50+ banking partners.

Approval in 24–48 HoursMinimal documentation, fastest disbursal process in Aligarh
No Collateral Required100% unsecured loan — no property or asset needed as security
₹10,000 – ₹50 LakhFlexible loan amount based on your income and credit profile
12 – 60 Month TenureChoose EMI duration that fits your monthly budget comfortably
Interest Starting 10.5% p.a.Best rate from our network of 50+ banks & NBFCs
Salaried Self Employed Min Age 21 Yrs Min Income ₹15,000/m CIBIL 650+
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Personal Loan
Quick details at a glance
Loan Amount₹10K – ₹50 Lakh
Interest Rate10.5% – 24% p.a.
Tenure12 – 60 Months
Processing Time24 – 48 Hours
CollateralNot Required
Min CIBIL650+
Documents Required
  • Aadhaar + PAN Card
  • 3 Month Salary Slip / ITR
  • 6 Month Bank Statement
  • Address Proof
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Home Loan
Build your dream home
Loan Amount₹5 Lakh – ₹5 Crore
Interest Rate8.35% – 12% p.a.
TenureUp to 30 Years
LTV RatioUp to 90%
CollateralProperty Mortgage
Min CIBIL700+
Documents Required
  • Aadhaar + PAN Card
  • Income Proof / ITR 2 Years
  • Property Documents
  • 12 Month Bank Statement
  • NOC from Builder/Society
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Home Loan

Build Your Dream Home with Easy Loan

Purchase, construct, or renovate your home with affordable options. We work with SBI, HDFC, ICICI, Axis, PNB and 40+ other banks to get you the lowest possible rate.

Starting 8.35% p.a.Lowest home loan rates from our banking partner network
Tenure Up to 30 YearsLong tenure = low EMI — we help you choose the right plan
Purchase / Construction / RenovationAll types of home loan needs covered under one roof
PMAY Subsidy AssistanceWe help you avail Pradhan Mantri Awas Yojana subsidy benefit
Complete Documentation HelpOur team handles all paperwork, legal, and bank coordination
Salaried Self Employed NRI Joint Application Min Age 23 Yrs
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Car Loan

New & Used Car Loan at Best Rates

Drive your dream car today — new or used. Up to 100% on-road funding with minimal documentation and quick approval from top banks and NBFCs across India.

New Car — Up to 100% FundingOn-road price covered including insurance and registration
Used Car — Up to 85% FundingLoan on cars up to 10 years old from certified dealers
Interest from 7.5% p.a.Best rates for both new and used vehicle purchases
Approval in 48 HoursQuick verification, fast disbursal directly to dealer account
Tenure 12 – 84 MonthsFlexible repayment — choose EMI that suits your cash flow
Salaried (Min ₹15K/m) Self Employed Min Age 21 CIBIL 680+
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Car Loan
New & Used Vehicle
New Car FundingUp to 100%
Used Car FundingUp to 85%
Interest Rate7.5% – 15% p.a.
Tenure12 – 84 Months
Approval Time48 Hours
PrepaymentAllowed
Documents Required
  • Aadhaar + PAN + DL
  • Salary Slip / ITR
  • 6 Month Bank Statement
  • Car Quotation / RC (used)
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Simple Process

Apply & Get Loan in 4 Easy Steps

1
Enquire / Apply
Call, WhatsApp or fill the online form — free consultation
2
Document Check
Expert reviews your profile and guides on documents needed
3
Bank Processing
We submit to best-fit bank and coordinate for fast approval
4
Disbursement
Loan amount credited directly to your bank account
Education Loan
Invest in your future
Loan AmountUp to ₹1.5 Crore
Interest Rate8.15% – 15% p.a.
TenureUp to 15 Years
MoratoriumCourse + 1 Year
CollateralAbove ₹7.5L needed
Tax BenefitSec 80E Deduction
Documents Required
  • Admission Letter
  • Aadhaar + PAN (Student + Parent)
  • Academic Marksheets
  • Parent Income Proof / ITR
  • Fee Structure of College
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Education Loan

Fund Your Higher Education — India & Abroad

Education should never stop due to lack of funds. Get education loan for IIT, IIM, medical, engineering, MBA, and foreign university — with moratorium period and Section 80E tax benefit.

India & Abroad StudiesCovers tuition, hostel, books, laptop, travel expenses
Moratorium PeriodNo EMI during study period + 1 year after course completion
Section 80E Tax BenefitFull interest deduction under Income Tax — saves money annually
Up to ₹1.5 CroreHigher amounts for abroad studies with collateral security
Govt Scheme PriorityVidya Lakshmi Portal, Central Subsidy Scheme assistance
Indian Students Abroad Education Confirmed Admission Co-Applicant Required
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Gold Loan

Instant Cash Against Your Gold

Turn your idle gold into instant cash — no income proof, no CIBIL check. Get up to 75% of gold value in just 30 minutes. Safest and fastest loan option for everyone.

Disbursal in 30 MinutesGold valued and money in account same day
No CIBIL / Income ProofBad credit or no income — gold loan doesn't check either
Interest from 7% p.a.Lowest rate loan product available in the market
Gold Kept SafelyYour jewellery stored in bank vault with insurance coverage
18 Carat to 24 Carat GoldAll ornaments accepted — jewellery, bars, coins
No CIBIL Check No Income Proof 18K–24K Gold Same Day Disbursal Min Age 18 Yrs
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Gold Loan
Instant cash, lowest rate
Loan Amount₹5,000 – ₹1 Crore
Interest Rate7% – 17% p.a.
LTVUp to 75%
Disbursal Time30 Minutes
Tenure3 – 24 Months
CIBIL RequiredNot Required
Documents Required
  • Aadhaar Card
  • PAN Card
  • Passport Photo
  • Gold Ornaments
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Need Help Choosing the Right Loan?

Our expert advisors will guide you to the best loan option for free — no commitment needed.

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Govt Yojana Loans
Subsidised government schemes
PM Mudra LoanUp to ₹10 Lakh
PMEGP LoanUp to ₹50 Lakh
Stand Up India₹10L – ₹1 Crore
Startup IndiaUp to ₹25 Lakh
KCC Kisan CreditUp to ₹3 Lakh
Subsidy Available15% – 35%
Documents Required
  • Aadhaar + PAN Card
  • Business Plan / Project Report
  • Address Proof of Business
  • Caste Certificate (if applicable)
  • GST / Udyam Registration
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Govt Yojana Loan

Government Scheme Loans with Subsidy Benefits

Get access to government-backed loan schemes with interest subsidies, relaxed eligibility, and special benefits for women, SC/ST, minorities, and first-time entrepreneurs. We handle all paperwork end-to-end.

PM Mudra YojanaShishu (₹50K), Kishore (₹5L), Tarun (₹10L) — for small businesses
PMEGP — Up to ₹50 Lakh35% subsidy for rural, 25% for urban — new enterprise setup
Stand Up IndiaSC/ST & Women — ₹10L to ₹1 Crore for greenfield projects
KCC — Kisan Credit CardFarmers up to ₹3 Lakh at 4% interest for crop needs
Startup India SchemeDPIIT-recognized startups get collateral-free loans with tax benefits
New Businesses Farmers Women Entrepreneurs SC/ST Category Rural / Urban
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Micro Loan

Small Loan, Big Impact for Everyone

Micro loans for small shopkeepers, street vendors, artisans, and households who need small amounts fast. Minimal paperwork, no guarantor, instant digital verification.

₹5,000 to ₹5 LakhSmall ticket loans for daily business needs and emergencies
Minimal DocumentationAadhaar + PAN only — no lengthy paperwork or bank visits
Same Day ApprovalDigital processing ensures money in account within hours
For Shopkeepers & VendorsKirana shops, street vendors, small traders — all eligible
Women's Group LoansJoint liability group loans for SHG members at subsidised rates
Small Shopkeepers Street Vendors SHG Members Artisans Min Age 18
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Micro Loan
Small but powerful
Loan Amount₹5,000 – ₹5 Lakh
Interest Rate12% – 26% p.a.
Tenure3 – 24 Months
Approval TimeSame Day
CollateralNot Required
CIBILFlexible (Low OK)
Documents Required
  • Aadhaar + PAN Card
  • Bank Statement 3 Months
  • Shop / Business Proof
  • Passport Photo
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OD / CC Loan
Overdraft & Cash Credit
Limit Amount₹1 Lakh – ₹5 Crore
Interest Rate9% – 16% p.a.
Interest ChargedOn Used Amount Only
RenewalAnnual Renewal
SecurityProperty / Stock / FD
Best ForBusinesses & Traders
Documents Required
  • Aadhaar + PAN + GST
  • ITR 2 Years + Balance Sheet
  • 12 Month Bank Statement
  • Property / Stock Docs
  • Business Vintage Proof
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OD / CC Loan

Overdraft & Cash Credit — Flexible Business Finance

OD and CC are the most flexible financing tools for businesses. Withdraw only what you need, pay interest only on what you use — ideal for working capital and seasonal business needs.

Revolving Credit FacilityWithdraw and repay multiple times — interest only on used amount
Perfect for Working CapitalStock purchase, salary, vendor payments — manage cash flow easily
Secured Against Property/FD/StockHigher limit with lower interest using collateral security
Annual Renewal — No Re-applicationRenew limit yearly — no need to apply fresh loan every time
Interest from 9% p.a.Charged daily on actual outstanding — very cost-effective
Traders & Businesses Manufacturers Min 2 Yr Business GST Registered Property/FD Security
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Our Aligarh-based loan expert will call you within 30 minutes — completely free of charge.

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