LoanPhixer
Your Financial Dreams, Our Priority
From personal needs to business growth - we make financing simple, fast, and affordable. Experience hassle-free loans with competitive rates and instant approvals.
Complete Loan Comparison Guide
All loan types with detailed information to help you choose the right option
| Loan Type | Amount Range | Interest Rate | Tenure | Processing Time | Collateral | Best For | Apply |
|---|---|---|---|---|---|---|---|
| Personal Loan (PL) | ₹25K - ₹50L | 10.5% onwards | 1-7 years | 2-24 hours | No | Any personal need | Apply |
| Business Loan (BL) | ₹1L - ₹10Cr | 8.5% onwards | 1-10 years | 3-7 days | Optional | Business expansion | Apply |
| Home Loan (HL) | Up to ₹5Cr | 8.5% onwards | Up to 30 years | 7-15 days | Property | Home purchase | Apply |
| LAP Loan | Up to ₹10Cr | 9% onwards | 1-20 years | 7-21 days | Property | Any purpose | Apply |
| New Car Loan | Up to ₹2Cr | 9% onwards | 1-7 years | 2-5 days | Vehicle | New vehicle | Apply |
| Used Car Loan | Up to ₹1Cr | 10% onwards | 1-5 years | 3-7 days | Vehicle | Used car | Apply |
| Instant Loan | ₹5K - ₹5L | 12% onwards | 3 months - 5 years | 5-30 minutes | No | Emergency | Apply |
Personal Loan (PL)
Quick cash for all your personal needs - no collateral required
Why Choose Personal Loan?
Perfect for medical emergencies, weddings, travel, debt consolidation, home renovation, or any personal financial need. No collateral or guarantor required.
- Loan Amount: ₹25,000 to ₹50 Lakh
- Interest Rate: 10.5% to 24% per annum
- Tenure: 12 months to 7 years
- Processing Time: 2 to 24 hours
- Processing Fee: 0.5% to 3% of loan amount
- Prepayment: Allowed after 6 months
- Usage: Any personal requirement
- Documentation: Income proof, ID, address proof
Personal Loan Benefits
Quick Approval
Max Amount
Starting Rate
Eligibility Criteria
- • Age: 21-65 years
- • Income: ₹15,000+ per month (salaried)
- • Income: ₹2L+ annual (self-employed)
- • CIBIL Score: 650+ preferred
- • Work Experience: 1+ years in current job
- • Employment: Salaried or self-employed
Common Uses
Business Loan Features
Max Funding
Best Rate
Max Tenure
Business Types Covered
Loan Types Available
• Term Loan: Equipment, expansion
• Working Capital: Day-to-day operations
• Equipment Finance: Machinery purchase
• Business Line of Credit: Flexible funding
Business Loan (BL)
Fuel your business growth with flexible funding solutions
Business Loan Overview
Designed for entrepreneurs and business owners to meet working capital needs, business expansion, equipment purchase, or any other business requirement. Both secured and unsecured options available.
- Loan Amount: ₹1 Lakh to ₹10 Crore
- Interest Rate: 8.5% to 18% per annum
- Tenure: 1 to 10 years
- Processing Time: 3 to 7 working days
- Processing Fee: 0.5% to 2% of loan amount
- Moratorium Period: Up to 6 months available
- Collateral: Required for amounts above ₹25L
- Usage: Any legitimate business purpose
Home Loan (HL)
Turn your dream of owning a home into reality with our home loans
Home Loan Advantages
Home loans offer the lowest interest rates among all loan types. Enjoy tax benefits under Section 80C (principal) and Section 24(b) (interest). Up to 90% financing available.
- Loan Amount: Up to ₹5 Crore (or more)
- Interest Rate: 8.5% to 12% per annum
- Tenure: Up to 30 years
- Processing Time: 7 to 15 working days
- Processing Fee: 0.5% to 1% of loan amount
- LTV Ratio: Up to 90% of property value
- Tax Benefits: Up to ₹3.5 Lakh per year
- Prepayment: Allowed without penalty
Home Loan Benefits
Max Amount
Lowest Rate
Max Tenure
Property Types Covered
Tax Benefits Available
• Section 80C: Up to ₹1.5L (principal)
• Section 24(b): Up to ₹2L (interest)
• First-time buyer: Additional ₹50K
• Total benefit: Up to ₹3.5L per year
LAP Loan Features
Max Amount
Starting Rate
Max Tenure
Property Types Accepted
Loan Usage Options
• Business expansion & working capital
• Debt consolidation & repayment
• Medical emergencies & treatment
• Education & higher studies
• Any personal or business need
Loan Against Property (LAP)
Unlock the value of your property for any financial need
What is LAP Loan?
Loan Against Property allows you to pledge your residential or commercial property as collateral to get a loan. The funds can be used for any purpose - business or personal.
- Loan Amount: Up to ₹10 Crore
- Interest Rate: 9% to 15% per annum
- Tenure: 1 to 20 years
- Processing Time: 7 to 21 working days
- LTV Ratio: Up to 70% of property value
- Usage: Any personal or business purpose
- Repayment: Flexible EMI options
- Property remains: In your possession
Car Loans (New & Used)
Drive your dream car home with our flexible auto financing
New vs Used Car Loans
We provide competitive rates for both new and used cars. New car loans offer up to 90% financing with longer tenure, while used car loans are available for vehicles up to 5-7 years old.
- New Car Amount: Up to ₹2 Crore (90% financing)
- Used Car Amount: Up to ₹1 Crore (80% financing)
- Interest Rate: 9% to 15% per annum
- New Car Tenure: 1 to 7 years
- Used Car Tenure: 1 to 5 years
- Processing Time: 2 to 7 working days
- Processing Fee: ₹2,500 to ₹5,000
- Insurance: Comprehensive coverage included
Car Loan Benefits
Max Financing
Starting Rate
Max Tenure
Vehicle Categories
Additional Services
• Insurance: Comprehensive coverage
• Registration: RTO assistance
• Valuation: Used car assessment
• Documentation: Complete support
Instant Loan Speed
Approval Time
Max Amount
100% Online
Perfect For Emergencies
Digital Process
• Step 1: Online application (2 min)
• Step 2: Instant credit check
• Step 3: Digital approval (5 min)
• Step 4: Money in account (30 min)
Instant Loan
Emergency cash in minutes - when you need it most
Instant Loan Features
Get cash in your account within 5-30 minutes through our digital platform. Perfect for medical emergencies, urgent bills, or unexpected expenses. 100% paperless process.
- Loan Amount: ₹5,000 to ₹5 Lakh
- Interest Rate: 12% to 36% per annum
- Tenure: 3 months to 5 years
- Processing Time: 5 to 30 minutes
- Documentation: Digital KYC only
- Approval: Instant algorithm-based
- Disbursement: Direct to bank account
- Repayment: Flexible EMI options
Simple Loan Application Process
Get your loan approved in just 4 easy steps
Apply Online
Fill the simple application form with basic details and submit required documents online
Document Verification
Our expert team will verify your documents and check your eligibility criteria
Instant Approval
Get instant approval notification with detailed loan terms and conditions
Quick Disbursement
Sign the loan agreement and get funds credited directly to your bank account
LoanPhixer Success Statistics
Our track record speaks for our excellence in loan services
₹500Cr+
Total Loans Disbursed
50,000+
Happy Customers
95%
Approval Success Rate
24 Hours
Average Processing Time
Loan Approval Success Rate
Interest Rate Comparison
CGTMSE Project Loan
Credit Guarantee Fund Trust for MSMEs
Collateral-free business loans for Micro, Small & Medium Enterprises under government guarantee scheme. Start or expand your business with CGTMSE support.
What is CGTMSE?
Understanding the Credit Guarantee Fund Trust for Micro & Small Enterprises
CGTMSE Full Form
Credit Guarantee Fund Trust for Micro & Small Enterprises (CGTMSE) is a government initiative to provide collateral-free loans to MSMEs, promoting entrepreneurship and business growth in India.
- Established: 2000 by Government of India
- Purpose: Promote MSME sector growth
- Coverage: Manufacturing & Service sectors
- Guarantee: Up to 85% of loan amount
- Collateral: Not required for loans
- Target: New & existing MSMEs
- Partners: All banks & NBFCs
- Sectors: All business activities
CGTMSE Key Benefits
Max Loan
Required
Guarantee
CGTMSE Advantages
CGTMSE Loan Details & Eligibility
Complete information about CGTMSE loan features and requirements
| Loan Feature | Manufacturing Sector | Service Sector | Micro Enterprises | Small Enterprises | Details |
|---|---|---|---|---|---|
| Maximum Loan Amount | ₹2 Crore | ₹2 Crore | ₹10 Lakh | ₹2 Crore | Term loan + Working capital |
| Investment Limit | ₹1 Crore (Plant & Machinery) | ₹50 Lakh (Equipment) | ₹1 Crore | ₹10 Crore | As per MSMED Act 2006 |
| Guarantee Coverage | 85% (Women/SC/ST/OBC/NE) | 75% (Others) | 85% | 75-85% | Credit guarantee by CGTMSE |
| Collateral Security | Not Required | Not Required | Not Required | Not Required | Government guarantee scheme |
| Interest Rate | 10% - 16% per annum | 10% - 16% per annum | 9% - 15% | 10% - 16% | Bank discretion + guarantee fee |
| Tenure | 5-7 years | 5-7 years | 3-7 years | 5-10 years | Flexible repayment options |
| Processing Time | 15-45 days | 15-45 days | 7-30 days | 15-45 days | After document submission |
CGTMSE Eligibility Criteria
Who can apply for CGTMSE loans and what are the requirements?
Eligible Entities
Individual proprietors, partnership firms, private limited companies, cooperative societies, and other entities engaged in manufacturing or service activities are eligible for CGTMSE loans.
- Business Type: Manufacturing or Service sector
- Investment Limit: As per MSME definition
- Business Vintage: New or existing business
- Credit History: Good repayment track record
- Documentation: Complete business documents
- Project Viability: Technically feasible project
- Promoter Contribution: Minimum 10-25%
- Age Limit: 21-65 years for individuals
MSME Classification
Manufacturing Sector
• Micro: Investment ≤ ₹1 Crore, Turnover ≤ ₹5 Crore
• Small: Investment ≤ ₹10 Crore, Turnover ≤ ₹50 Crore
• Medium: Investment ≤ ₹50 Crore, Turnover ≤ ₹250 Crore
Service Sector
• Micro: Investment ≤ ₹50 Lakh, Turnover ≤ ₹5 Crore
• Small: Investment ≤ ₹5 Crore, Turnover ≤ ₹50 Crore
• Medium: Investment ≤ ₹20 Crore, Turnover ≤ ₹250 Crore
Special Categories (85% Guarantee)
Required Documents
Personal Documents
• PAN Card of promoters/directors
• Aadhaar Card & Address proof
• Educational certificates
• Experience certificates
• Passport size photographs
Business Documents
• MOA/AOA (Company registration)
• Partnership deed/LLP agreement
• Udyog Aadhaar/MSME registration
• GST registration certificate
• Trade license & NOC
Financial Documents
• Last 2 years audited financials
• Bank statements (6 months)
• CA certified projected financials
• Income tax returns
• Collateral documents (if any)
CGTMSE Application Process
Step-by-step guide to apply for CGTMSE project loan
Application Steps
The CGTMSE loan application process involves document preparation, bank selection, application submission, technical appraisal, and loan sanctioning.
Document Preparation
Collect all required documents as per checklistBank Selection
Choose CGTMSE partner bank for applicationApplication Submission
Submit complete application with documentsProcessing & Sanction
Bank processes and sanctions the loanCGTMSE Success Statistics
Impact of CGTMSE scheme on MSME sector development
₹3.5 Lakh Cr
Total Guarantee Coverage
40+ Lakh
MSMEs Benefited
300+ Banks
Partner Financial Institutions
85%
Maximum Guarantee Coverage