The right loan, matched to your eligibility
NSPL Group pre-checks your CIBIL and documents, then matches you to the loan you'll actually get approved for — across 12 products and a multi-bank network.
12 loan types, one relationship manager
Every product below is pre-checked against your CIBIL profile before you apply, so you only apply where you're likely to be approved.
Personal Loan
Unsecured funds for weddings, travel, medical needs or any personal expense, disbursed fast.
Check EligibilityHome Loan
Purchase, construct or renovate your home with long-tenure financing and government subsidy support.
Check EligibilityBusiness Loan
Working capital and expansion funding for established businesses, matched to your turnover and credit profile.
Check EligibilityMSME Loan
Collateral-light financing for micro, small and medium enterprises under government-backed MSME schemes.
Check EligibilityVehicle Loan
Finance a new or used two-wheeler, car or commercial vehicle with quick approval and flexible down payment.
Check EligibilityGold Loan
Instant funds against your gold jewellery with same-day disbursal and minimal documentation.
Check EligibilityEducation Loan
Fund tuition, hostel and study costs for domestic or international courses, with moratorium during study.
Check EligibilityLoan Against Property
Unlock the value of your residential or commercial property for large expenses at lower interest rates.
Check EligibilityAgriculture Loan
Crop, equipment and land-development financing for farmers, with government interest subvention.
Check EligibilityWorking Capital Loan
Short-term financing to cover day-to-day operational expenses, inventory and receivables cycles.
Check EligibilityStartup Loan
Early-stage funding for new ventures under Startup India and state incubation-linked schemes.
Check EligibilityGovernment Scheme Loan
Mudra, PMEGP and other government-backed schemes for small business, artisans and first-time entrepreneurs.
Check EligibilityWhat you need, for every loan type
Tap any loan to see exact eligibility criteria and the document checklist our team will need from you.
- Age 21–60 years, salaried or self-employed
- Minimum monthly income of ₹20,000
- CIBIL score of 700 or above preferred
- Minimum 1 year at current job or business
- PAN card and Aadhaar card
- Last 3 months' salary slips or ITR
- 6-month bank statement
- Passport-size photograph
- Age 23–65 years at loan maturity
- Stable income source, salaried or self-employed
- Property with clear title and approved plan
- CIBIL score of 650 or above
- Identity, address and income proof
- Property documents and sale agreement
- Last 2 years' ITR / Form 16
- Bank statement of last 6 months
- Business vintage of at least 2 years
- Minimum annual turnover of ₹10 lakh
- Profitable in the most recent financial year
- Valid GST registration where applicable
- Business registration and GST certificate
- 2 years' financial statements and ITR
- Bank statements of last 12 months
- KYC of proprietor / partners / directors
- Registered as Micro, Small or Medium Enterprise
- Udyam registration certificate
- At least 1 year of operational history
- Satisfactory repayment track record, if any
- Udyam / MSME registration certificate
- PAN and GST of the business
- Bank statement of last 12 months
- Business plan for expansion loans
- Age 21–65 years with a valid driving licence
- Stable monthly income, salaried or self-employed
- CIBIL score of 680 or above preferred
- Valid quotation from an authorised dealer
- Identity, address and income proof
- Vehicle quotation / proforma invoice
- 3-month bank statement
- Passport-size photograph
- Age 18 years or above
- Ownership of gold jewellery of 18–24 karat
- No minimum income or CIBIL requirement
- Valid KYC documentation
- PAN card and Aadhaar card
- Passport-size photograph
- Gold ornaments for valuation
- Proof of ownership, if available
- Confirmed admission in a recognised institution
- Co-applicant / guarantor, usually a parent
- Indian national aged 16 years or above
- Course must be job-oriented or degree-recognised
- Admission letter and fee structure
- Academic mark sheets and certificates
- Co-applicant's income and KYC proof
- Collateral documents, for loans above ₹7.5L
- Age 25–65 years at loan maturity
- Clear, marketable title on the property
- Stable income source to support repayment
- Property free from existing legal disputes
- Property title deed and tax receipts
- Identity, address and income proof
- Last 2 years' ITR or business financials
- Bank statement of last 6 months
- Ownership or cultivation rights over agricultural land
- Valid land records / Khatauni documents
- Age 18–70 years
- Clean repayment history on any existing crop loans
- Land ownership / tenancy documents
- Aadhaar and PAN card
- Bank passbook of the last 6 months
- Cropping pattern / land-use declaration
- Business vintage of at least 1 year
- Consistent monthly turnover and cash flow
- Valid GST and business registration
- No major defaults in the last 12 months
- GST returns of the last 12 months
- Bank statements of last 12 months
- Business registration and PAN
- KYC of proprietor / partners
- Registered entity under Startup India, or similar
- Business age under 5 years
- A clear, viable business plan
- Founder(s) aged 18 years or above
- Startup / business registration certificate
- Detailed business plan and projections
- Founder KYC and PAN
- Bank statement, if operational
- Age 18–65 years, Indian citizen
- Non-farm income-generating activity planned
- No default with any bank or financial institution
- Project report within scheme's funding limit
- Aadhaar, PAN and address proof
- Project report / business proposal
- Caste / category certificate, if applicable
- Passport-size photograph
From application to disbursal, in four steps
Scroll slowly and follow your loan through our process — the same dashboard our relationship managers use.
Submit your documents
Upload PAN, income proof and bank statements securely — our system checks completeness instantly.
Choose the right loan product
Tell us what you need it for — we match you to the best-fit product from our 12 loan types.
Compare rates across lenders
We check your profile against every bank and NBFC partner, and surface the lowest rate you qualify for.
We check your CIBIL & eligibility
An instant credit check matches you against every lender in our network, so you only apply where approved.
Get approved, fast
Your dedicated relationship manager tracks the file with the lender until sanction — usually within 48 hours.
Funds disbursed to your account
Once documents are signed, funds move directly to your bank account — tracked right in your dashboard.
Know your EMI before you apply
Estimate your monthly instalment across any of our 12 loan products, based on amount, tenure and current interest rates.
Loan FAQs
Answers to what most applicants ask before starting.
Most loans are approved within 48 hours once all documents are submitted and verified. Gold loans can be disbursed the same day.
No. Our initial eligibility check is a soft enquiry and does not impact your credit score. Only a formal application triggers a hard enquiry.
Yes, secured options like gold loans or loans against property have flexible eligibility. Our team will guide you to the right product for your profile.
Processing fees vary by loan type and lender, typically between 0.5% and 2% of the loan amount. Your relationship manager will share exact figures upfront.
Yes, most of our loan products allow part-prepayment or full foreclosure after a minimum lock-in period, subject to the lender's terms.
Ready to check your loan eligibility?
Share a few details and our team will match you to the right loan product — with no impact on your CIBIL score.