Loans
Finance Your India Dreams — the NRI Way.
Finance your needs in India with NRI-Specific Loans. Through Partner Banks and NBFCs, we facilitate Home Loans, Education Loans, and Loans Against Securities. Our role is to Coordinate and Simplify Documentation so you can access funds quickly and compliantly.
Loan Eligibility & Account Structures
NRI / OCI / PIO
- Eligibility: Permitted under FEMA and RBI guidelines through NRE/NRO accounts
- Account Type: NRE (Repatriable) / NRO (Non-Repatriable) loan servicing routes
- Product Access: Home Loans, Loan Against Property, Loan Against Securities, Education Loans
- Taxation: Interest eligible for deduction under Sec. 24(b); TDS as per income source
- Repatriation: Proceeds non-repatriable except under approved use cases
- Ideal For: NRIs/OCIs purchasing homes or leveraging assets in India
Foreign Nationals
- Eligibility: Permitted for properties and business in India under FEMA guidelines
- Account Type: Resident/NRO account for repayment; KYC verification mandatory
- Product Access: Housing loans, business loans, and loans against deposits
- Taxation: Interest taxable under Indian laws; DTAA benefits available
- Repatriation: Allowed for specified end-use cases (RBI-approved)
- Ideal For: Foreign citizens investing or operating businesses in India
Resident Indians
- Eligibility: Fully permitted for individuals and corporates
- Account Type: Resident bank account for loan processing and repayment
- Product Access: Home, Vehicle, Education, Business, and Personal Loans
- Taxation: Interest deductions available; capital structure benefits for business loans
- Repatriation: Not applicable
- Ideal For: Domestic individuals or corporates seeking flexible funding options
OCB / Foreign Companies
- Eligibility: Permitted under FEMA/FDI/ECB frameworks for approved purposes
- Account Type: Corporate account through AD Category-I bank
- Product Access: External Commercial Borrowings (ECB), Business Loans, Working Capital Lines
- Taxation: Interest deductible under corporate taxation laws
- Repatriation: Fully repatriable under approved end-use and compliance
- Ideal For: Overseas corporate bodies and entities with Indian operations or subsidiaries
Share your requirement and get instant loan eligibility & rate comparison from multiple banks and NBFCs. Our experts help you choose the best financing solution for your goals.
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