Loan Services | Personal, Home, Business & Government Loans — Malik Fintax
Loan Services

Funded. Faster. Fairer.

Personal loans to government-backed business finance
— matched to the right lender, rate and process.

Unsecured Finance

Personal Loan

Quick funds for any personal need — wedding, medical emergency, travel or home renovation. No collateral, minimal documentation, fast disbursal.

Interest Rate10.50% p.a.+
Loan Amount₹50K – ₹40L
TenureUp to 5 Yrs
Processing24–48 Hrs
Key Features & Benefits
No collateral required
Flexible repayment tenure
Minimal documentation
Quick approval & disbursal
Top-up facility available
Prepayment options
Documents Required
Aadhaar Card PAN Card Salary Slips (3M) Bank Statement (6M) Photograph
Partner Banks
SBIHDFCICICI AxisBajaj FinservPNB
Apply for Personal Loan
Salaried Loan

For salaried professionals

Self-Employed

For business owners

Medical Emergency

Fast-tracked disbursal

Wedding Loan

Fund your big day

Eligibility
Age: 21–58 YearsAt loan maturity time
Min Income: ₹15,000/moSalaried or self-employed
CIBIL: 650+Better score = better rate
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Secured Finance

Home Loan

Turn your dream home into reality — purchase, construction or renovation, funded at India's most competitive rates.

Interest Rate8.35% p.a.+
Loan Amount₹5L – ₹5Cr
TenureUp to 30 Yrs
Processing7–10 Days
Key Features & Benefits
Up to 90% property financed
Balance transfer facility
Tax benefits u/s 80C & 24B
Doorstep document pickup
Overdraft facility available
No part-prepayment penalty
Documents Required
Property Papers Income Proof ITR (3 Yrs) Bank Statement (6M) KYC Documents
Partner Banks
SBIHDFCLIC Housing PNB HousingBank of BarodaUnion Bank
Apply for Home Loan
Home Purchase

Ready or under-construction

Construction Loan

Build on your own plot

Home Renovation

Upgrade & extend

Balance Transfer

Switch to a lower rate

Eligibility
Age: 23–65 YearsAt loan maturity time
Min Income: ₹25,000/moSalaried or self-employed
CIBIL: 700+For best interest rates
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Working Capital

Business Loan

Fuel your business growth — expansion, inventory, equipment or working capital, sanctioned without heavy collateral.

Interest Rate11.99% p.a.+
Loan Amount₹1L – ₹75L
TenureUp to 5 Yrs
Processing3–5 Days
Key Features & Benefits
Collateral-free up to ₹50L
Flexible repayment cycles
GST/Udyam-based eligibility
Overdraft & cash credit options
Quick disbursal for repeat clients
Top-up on good track record
Documents Required
GST Returns Bank Statement (12M) ITR (2 Yrs) Business Proof KYC Documents
Partner Banks
HDFCICICIAxis Kotak MahindraBajaj FinservIDBI
Apply for Business Loan
Working Capital

Day-to-day cash flow

Equipment Finance

Machinery & tools

Term Loan

Fixed EMI expansion funds

Overdraft Facility

Draw as you need

Eligibility
Business Vintage: 2+ YrsExisting operational business
Annual Turnover: ₹10L+GST/ITR verified
CIBIL: 700+Business & promoter score
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Asset Finance

Vehicle Loan

Drive home your new car or two-wheeler with up to 100% on-road funding and same-day approval.

Interest Rate8.75% p.a.+
Loan AmountUp to ₹1Cr
TenureUp to 7 Yrs
ProcessingSame Day
Key Features & Benefits
Up to 100% on-road price
New & used vehicle financing
Zero foreclosure (floating rate)
Instant in-principle approval
Doorstep documentation
Bundled insurance options
Documents Required
Aadhaar Card PAN Card Salary Slips (3M) Bank Statement (3M) Vehicle Quotation
Partner Banks
SBIHDFCAxis Kotak MahindraUnion BankBajaj Finserv
Apply for Vehicle Loan
New Car Loan

Up to 100% funding

Used Car Loan

Pre-owned vehicles

Two-Wheeler Loan

Quick, low-EMI options

Commercial Vehicle

For fleet & business use

Eligibility
Age: 21–65 YearsAt loan maturity time
Min Income: ₹18,000/moSalaried or self-employed
CIBIL: 650+Better score = better rate
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Future Investment

Education Loan

Fund higher education in India or abroad — tuition, hostel, travel and living expenses covered under one loan.

Interest Rate9.50% p.a.+
Loan AmountUp to ₹1.5Cr
TenureUp to 15 Yrs
Processing5–7 Days
Key Features & Benefits
Covers tuition, hostel & travel
Moratorium: course + 1 year
Tax benefit under Section 80E
Co-applicant income considered
No collateral up to ₹7.5L
Subsidised rates for eligible groups
Documents Required
Admission Letter Fee Structure Academic Records Co-applicant KYC Income Proof
Partner Banks
SBIPNBBank of Baroda Union BankHDFC CredilaAxis Bank
Apply for Education Loan
Domestic Education

India-based courses

Study Abroad

Higher funding limits

Skill Development

Certification & diploma

Co-applicant Loans

Parent/guardian backed

Eligibility
Admission ConfirmedRecognised institute/course
Co-applicant RequiredAbove ₹7.5L loan amount
CIBIL: 700+Of the co-applicant
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Instant Liquidity

Gold Loan

Unlock the value of your gold jewellery — instant cash against gold, minimal paperwork, same-day disbursal.

Interest Rate9.24% p.a.+
Loan AmountUp to ₹50L
TenureUp to 3 Yrs
ProcessingWithin 30 Mins
Key Features & Benefits
Up to 75% of gold value
Minimal documentation
Flexible repayment options
Safe & insured storage
No income proof required
Part-release facility available
Documents Required
Aadhaar Card PAN Card Photograph Gold Ornaments
Partner Banks
SBIHDFCICICI Bank of BarodaPNBNBFC Partners
Apply for Gold Loan
Jewellery Loan

Against gold ornaments

Agri Gold Loan

For farming needs

Overdraft Against Gold

Draw & repay flexibly

Bullet Repayment

Pay interest at closure

Eligibility
Age: 18+ YearsAny Indian resident
Gold Ownership Proof18–22 karat accepted
No CIBIL RequirementGold-backed, low risk
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Secured Finance

Loan Against Property

Leverage your residential or commercial property for large-ticket funding at attractive interest rates.

Interest Rate9.75% p.a.+
Loan Amount₹5L – ₹5Cr
TenureUp to 15 Yrs
Processing7–10 Days
Key Features & Benefits
Up to 65% of property value
Residential & commercial eligible
Longer repayment tenure
Lower rate than personal loans
Balance transfer with top-up
Flexi overdraft variant available
Documents Required
Property Papers Income Proof ITR (3 Yrs) Bank Statement (6M) KYC Documents
Partner Banks
HDFCICICIAxis Bajaj FinservLIC HousingBank of Baroda
Apply for LAP
Residential Property

Self-owned home/flat

Commercial Property

Shop, office or unit

LRD (Lease Rental)

Against rental income

Balance Transfer

Lower your existing rate

Eligibility
Age: 25–65 YearsAt loan maturity time
Clear Property TitleNo legal disputes
CIBIL: 700+For best interest rates
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MSME Finance

MSME Loan

Government-backed and bank funding for micro, small and medium enterprises — collateral-free options available.

Interest Rate10.50% p.a.+
Loan AmountUp to ₹2Cr
TenureUp to 7 Yrs
Processing5–7 Days
Key Features & Benefits
Collateral-free under CGTMSE
Udyam registration based
Subsidised interest schemes
Working capital + term combo
Quick renewal for existing clients
Doorstep RM support
Documents Required
Udyam Certificate GST Returns ITR (2 Yrs) Bank Statement (12M) Business Plan
Partner Banks
SBIPNBBank of Baroda Union BankCanara BankIDBI
Apply for MSME Loan
Micro Enterprise

Investment up to ₹1Cr

Small Enterprise

Investment up to ₹10Cr

Medium Enterprise

Investment up to ₹50Cr

Machinery Finance

Plant & equipment funding

Eligibility
Udyam RegisteredMSME certificate required
Business Vintage: 1+ YrOperational business
CIBIL: 650+Business & promoter score
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Government Scheme

PM Mudra Loan

Shishu, Kishor & Tarun category funding for non-farm micro and small enterprises under the PMMY scheme.

Interest Rate8.50% p.a.+
Loan AmountUp to ₹10L
TenureUp to 5 Yrs
Processing7–10 Days
Key Features & Benefits
No collateral required
Three category options
Manufacturing, trading & services
Subsidised rates for eligible groups
MUDRA Card for working capital
Simplified documentation
Documents Required
Aadhaar Card PAN Card Business Plan Bank Statement (6M) Photograph
Partner Banks
SBIPNBBank of Baroda Union BankCanara BankRRBs
Apply for PM Mudra Loan
Shishu

Up to ₹50,000

Kishor

₹50,000 – ₹5 Lakh

Tarun

₹5 Lakh – ₹10 Lakh

MUDRA Card

Revolving working capital

Eligibility
Non-Farm Income ActivityManufacturing/trading/services
Vintage Not MandatoryNew businesses eligible
No CIBIL for ShishuRelaxed norms for small tickets
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Government Scheme

PMAY Housing Loan

Credit-linked subsidy on home loans under Pradhan Mantri Awas Yojana for eligible EWS, LIG & MIG applicants.

Interest Rate8.35% p.a.+
SubsidyUp to ₹2.67L
TenureUp to 20 Yrs
Processing10–15 Days
Key Features & Benefits
Interest subsidy credited upfront
For first-time home buyers
EWS/LIG/MIG slabs covered
Combinable with regular home loan
Women co-ownership benefits
Covers construction & extension
Documents Required
Income Certificate Property Papers Aadhaar Card Bank Statement (6M) No Prior House Affidavit
Partner Banks
SBIHDFCPNB Housing Bank of BarodaLIC HousingUnion Bank
Apply for PMAY Loan
EWS Category

Income up to ₹3L/yr

LIG Category

Income ₹3L – ₹6L/yr

MIG-I Category

Income ₹6L – ₹12L/yr

MIG-II Category

Income ₹12L – ₹18L/yr

Eligibility
First-Time Home BuyerHousehold should not own a pucca house
Income Within SlabAs per EWS/LIG/MIG category
Aadhaar-Linked ApplicationMandatory for subsidy credit
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Agri Finance

Kisan Credit Card

Revolving credit for farmers to meet crop production, post-harvest and allied agricultural expenses.

Interest Rate7.00% p.a.+
Loan AmountUp to ₹3L
TenureRenewed Yearly
Processing3–5 Days
Key Features & Benefits
Interest subvention on timely repayment
Covers crop, allied & consumption needs
No collateral up to ₹1.6L
Flexible withdrawal via KCC
Insurance cover included
Simple annual renewal process
Documents Required
Land Records Aadhaar Card PAN Card Bank Passbook Photograph
Partner Banks
SBIPNBBank of Baroda Union BankCanara BankRRBs
Apply for Kisan Credit Card
Crop Loan

Sowing to harvest

Animal Husbandry

Dairy & poultry needs

Fisheries

Aquaculture financing

Post-Harvest Expenses

Storage & marketing

Eligibility
Land Owner / Tenant FarmerCultivable land required
Age: 18–75 YearsCo-borrower for 60+ years
No CIBIL up to ₹1.6LRelaxed norms for farmers
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Government Scheme

Stand Up India

Bank funding for SC/ST and women entrepreneurs setting up greenfield enterprises in manufacturing, services or trading.

Interest RateBase Rate + 3%
Loan Amount₹10L – ₹1Cr
TenureUp to 7 Yrs
Processing15–20 Days
Key Features & Benefits
For SC/ST & women entrepreneurs
Composite loan (term + working capital)
Covers up to 75% of project cost
Handholding support included
Collateral via CGFSI guarantee
Greenfield project focus
Documents Required
Project Report Caste Certificate (if applicable) KYC Documents Business Plan Bank Statement
Partner Banks
SBIPNBBank of Baroda Union BankCanara BankBank of India
Apply for Stand Up India
Manufacturing Unit

Set up a production line

Services Enterprise

Service-based businesses

Trading Business

Retail & wholesale trade

Composite Loan

Term + working capital

Eligibility
SC/ST or Woman EntrepreneurAt least 51% shareholding
Age: 18+ YearsFirst-time entrepreneur preferred
Greenfield Project OnlyNew venture, not expansion
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