Avisha Financial Services

Comprehensive Loan Portfolio

We offer flexible, affordable, and fast-disbursal loans to meet your unique needs

Personal Loan

Quick funds for emergencies, travel, wedding, medical, or any personal need.

Interest from 10.5% p.a.

Loan Amount: Up to ₹25 Lakhs
Tenure: 12 - 60 months
Disbursal: Within 24 hours*
Processing fee: As Applicable

Processing Fee: Minimal (0.5% - 1%)
Prepayment: Available

Key Features:

No collateral required
Minimal documentation
Flexible EMI options

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Home Loan

Buy your dream home or renovate with affordable interest rates.

Starting 8.4% p.a.

Loan Amount: Up to ₹5 Crore
Tenure: Up to 30 years
Top-up Loan: Available
Processing fee: As Applicable

Tax Benefits: Under Section 80C & 24(b)
Balance Transfer: Available

Key Features:

Low rates for women & senior citizens
Quick approval & doorstep pickup
Overdraft facility available

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Business Loan

Fuel your business growth, working capital, machinery, or expansion.

From 11% p.a.

Loan Amount: ₹50,000 - ₹2 Crore
Tenure: 12 - 84 months
Unsecured/Secured: Both options
Processing fee: As Applicable

Processing: Quick disbursal in 48 hrs*
GST Benefits: Available

Key Features:

Loan against property option
Merchant cash advance
Startup loans & MSME focus

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Education Loan

Study in India or abroad – we fund your academic dreams.

Starting 9.5% p.a.

Loan Amount: Up to ₹1.5 Crore (abroad)
Moratorium: Course period + 6 months
Coverage: Tuition + Living + Travel
Processing fee: As Applicable

Tax Benefit: Under Section 80E
Co-applicant: Usually required

Key Features:

100% finance for tuition & hostel
No margin up to ₹4 Lakhs
Special rates for premier institutes

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Auto Loan (New Car)

Drive home your dream car with affordable EMIs and quick approval.

Starting 8.9% p.a.

Loan Amount: Up to ₹1.5 Crore
Tenure: Up to 7 years
Funding: Up to 100% on-road
Processing fee: As Applicable

Processing Fee: Minimal
Foreclosure: Available

Key Features:

Instant approval for new cars
Free insurance quote
Flexible repayment options

Apply Now

Used Car Loan

Finance pre-owned cars with attractive interest rates and easy documentation.

Starting 10.5% p.a.

Loan Amount: Up to ₹50 Lakhs
Tenure: Up to 5 years
Vehicle Age: Up to 10 years
Processing fee: As Applicable

Processing: Quick valuation
Part Payment: Available

Key Features:

Minimal paperwork
Transfer of ownership assistance
Competitive interest rates

Apply Now

Two Wheeler Loan

Own your favorite bike or scooter with easy EMI options.

Starting 9.9% p.a.

Loan Amount: Up to ₹2 Lakhs
Tenure: Up to 3 years
Funding: Up to 95% on-road
Processing fee: As Applicable

Processing Fee: Nil to minimal
Prepayment: Available

Key Features:

Instant approval for all brands
No income proof for small loans
Flexible repayment schedule

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Credit Card

Lifetime free credit cards with rewards, cashback, and exclusive privileges.

Up to 45 days interest-free

Credit Limit: Up to ₹10 Lakhs
Annual Fee: Zero/Low options
Rewards: Cashback & Points
Processing fee: As Applicable

Fuel Surcharge: Waiver
Contactless: Available

Key Features:

Instant virtual card issuance
Lounge access on premium cards
EMI conversion on purchases

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Salary Overdraft

Overdraft facility against your salary for instant liquidity.

Interest from 10% p.a.

Overdraft Limit: Up to 3x monthly salary
Tenure: Ongoing facility
Withdraw: Any time
Processing fee: As Applicable

Interest: Only on used amount
Processing: Instant

Key Features:

No prepayment penalties
Flexible repayment through salary account
Minimal documentation for salary account holders

Apply Now

Consumer Loan

Finance for electronics, furniture, appliances, and lifestyle purchases.

Starting 11% p.a.

Loan Amount: Up to ₹5 Lakhs
Tenure: 3 - 24 months
Approval: Instant
Processing fee: As Applicable

Processing: Zero to nominal
Disbursal: Direct to merchant

Key Features:

No collateral required
Buy now, pay later option
Tie-ups with leading brands

Apply Now

*Terms & conditions apply. Loan approval subject to eligibility and document verification.

Why Choose Avisha Finance?

Your trusted partner for transparent & speedy financial solutions

Instant Approval

Digital process with decision in minutes. Minimal paperwork.

Lowest Interest Rates

We offer competitive rates starting from 8.4% on home loans.

24/7 Support

Dedicated relationship managers for loan assistance.

Paperless Experience

Apply online, upload documents, get sanction letter digitally.

Loan Eligibility Criteria

General guidelines for our loan products. Speak to our expert for personalized assessment.

Common Eligibility:

Age: 21 years - 65 years (at loan maturity)
Indian resident (NRI services also available for specific loans)
Stable income source: Salaried (min ₹20k pm) or Self-employed (ITR 2+ yrs)
CIBIL score 650+ preferred (education loan flexibility)

Required Documents:

PAN / Aadhaar Card
Address Proof (Utility bill/Passport)
Bank statements (Last 6 months)

Income proof (Salary slips / ITR)
Business proof for self-employed
Property papers (for home loan)

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Comprehensive Loan Portfolio

Personal Loan

Key Features:

Home Loan

Key Features:

Business Loan

Key Features:

Education Loan

Key Features:

Auto Loan (New Car)

Key Features:

Used Car Loan

Key Features:

Two Wheeler Loan

Key Features:

Credit Card

Key Features:

Salary Overdraft

Key Features:

Consumer Loan

Key Features:

Why Choose Avisha Finance?

Instant Approval

Lowest Interest Rates

24/7 Support

Paperless Experience

Loan Eligibility Criteria

Common Eligibility:

Required Documents:

Calculate Your EMI

Quick Loan Application