Loan Products - Khatu Micro Fin | All Types of Loans

Complete Loan Solutions for Every Need

From personal loans to vehicle finance - explore our comprehensive loan products with best interest rates, flexible tenure, and quick approval within 24-48 hours.

10,000+

Happy Clients

24-48 Hrs

Quick Approval

Best Rates

Starting 7%

Financial Solutions
Personal Finance

Personal & Home Loans

Quick unsecured and secured loans for all your personal needs

Personal Loans

Personal Loan (PL)

₹50K - ₹40 L | 10.5-18% p.a. | 2-4 Hours Approval

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Instant Loan

₹10K - ₹5 L | 11-18% p.a. | 2-Hour Disbursal

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Micro Loan

₹5K - ₹50K | 12-20% p.a. | Same Day Processing

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Home & Property Loans

Home Loan (HL)

Up to ₹5 Cr | 8.50% p.a. | 30 Years | Tax Benefits

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Loan Against Property (LAP)

Up to ₹10 Cr | 9.00% p.a. | 20 Years | Up to 75% LTV

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Business Growth

Business Loans

Flexible financing for business expansion and working capital

Business Financing Solutions

Business Loan (BL) - Unsecured

₹1 L - ₹75 L | 12-20% p.a. | No Collateral Required | 1+ Year Business

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Business Loan (BL) - Secured

₹10 L - ₹15 Cr | 9-13% p.a. | Against Property/Assets | Better Rates

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Government Yojana Loan (PMEGP, Mudra, Startup India)

₹10K - ₹10 L | 5-10% p.a. | Govt Subsidy Available | MSME Support

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Vehicle Finance

Vehicle Loans

Finance your dream vehicle with easy EMIs and quick approval

Car & Four Wheeler Loans

New Car Loan (Gadi Loan)

Up to 90% | 8.5-12% p.a. | 12-84 Months | Same Day Approval

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Used Car Loan

Up to 85% | 9-13% p.a. | Up to 8 Years Old Car | Quick Processing

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Two Wheeler Loans

New Two Wheeler Loan

Up to 95% | 9-14% p.a. | 12-48 Months | Zero Down Payment

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Used Two Wheeler Loan

Up to 85% | 10-15% p.a. | Up to 5 Years Old | Instant Approval

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Education & Instant Finance

Education Loan & Gold Loan

Invest in education and get instant cash against gold

Education Loans

Education Loan (India)

Up to ₹50 L | 9-13% p.a. | 15 Years | Tax Benefits u/s 80E

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Education Loan (Abroad)

Up to ₹1 Cr | 10-14% p.a. | USA, UK, Canada, Australia

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Gold Loan

Gold Loan - Instant Cash

Up to 75% Gold Value | 7.5-12% p.a. | 15-30 Minutes Disbursal

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Gold Loan Features

Safe Storage | Flexible Tenure 6-36 Months | Part Payment Option

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Why Choose Us

Loan Benefits & Advantages

Experience hassle-free lending with unmatched benefits

Quick Approval

Get your loan approved within 24-48 hours with minimal documentation

Best Interest Rates

Competitive rates starting from 7% p.a. with flexible repayment

100% Secure

Your data is safe with bank-grade security protocols

Minimal Documents

Simplified paperwork with digital process

24/7 Support

Dedicated relationship manager available round the clock

Flexible Tenure

Choose repayment period based on your comfort

No Hidden Charges

Complete transparency with no prepayment penalties

High Loan Amount

Sanction up to ₹15 Crores based on your profile

Requirements

Documents Required for Loan

Simple documentation process for quick approval

For Salaried Individuals

  • PAN Card (Mandatory)
  • Aadhaar Card / Voter ID / Passport
  • Last 3 Months Salary Slips
  • Last 6 Months Bank Statement
  • Form 16 / ITR (Last 2 Years)
  • Employment Letter / ID Card
  • Passport Size Photographs
  • Property Documents (For Secured Loans)

For Self-Employed / Business

  • PAN Card (Mandatory)
  • Aadhaar Card / Voter ID / Passport
  • Business Registration Certificate
  • GST Registration & Returns (6 Months)
  • ITR with Computation (Last 2 Years)
  • Last 12 Months Bank Statement
  • Business Address Proof
  • Property Documents (For Secured Loans)
Check Eligibility

Loan Eligibility Criteria

Check if you qualify for our loan products

Age Criteria

  • Minimum 21 years
  • Maximum 65 years (at loan maturity)
  • Extended to 70 for pensioners

Income Requirement

  • Salaried: ₹25,000+ per month
  • Self-Employed: ₹3 Lakhs+ annual
  • ITR filed for last 2 years

Credit Score

  • Minimum CIBIL: 650+
  • Better rates for 750+
  • No active loan defaults
Simple Steps

How to Apply for Loan

Get your loan in 4 easy steps

1
Apply Online

Fill the enquiry form with your basic details

2
Submit Documents

Upload required documents digitally

3
Verification

Our team verifies within 24-48 hours

4
Get Disbursed

Amount credited to your bank account

Common Questions

Frequently Asked Questions

Get answers to all your loan related queries

What is the minimum loan amount I can apply for?
Minimum loan amount varies - Personal loans start from ₹50,000, Micro loans from ₹5,000, Business loans from ₹1 Lakh, Home loans from ₹5 Lakhs, Gold loans from ₹10,000, and Vehicle loans as per on-road price.
How long does loan approval take?
Most loans are approved within 24-48 hours. Gold loans and instant loans can be processed within 2-4 hours. Government yojana loans may take 5-7 working days.
What is the minimum CIBIL score required?
Minimum CIBIL score of 650 required for most loans. Higher scores (750+) get better interest rates. For secured loans with strong collateral, we consider scores from 600+.
Can I prepay my loan before tenure completion?
Yes, prepayment allowed on most loans. Personal and business loans have zero prepayment charges after 12 months. Home loans may have nominal charges. Gold loans have no prepayment penalty.
What are the benefits of Government Yojana Loans?
Government Yojana loans offer subsidized interest rates (5-10% p.a.), government backing, lower collateral requirements, special schemes for women and SC/ST, and business development support under PMEGP, Mudra, and Startup India programs.
Is insurance mandatory for vehicle loans?
Yes, comprehensive insurance is mandatory for both new and used vehicle loans. The vehicle remains hypothecated to the lender until full loan repayment. Insurance must be renewed annually.

Ready to Get Your Loan Approved?

Apply now and get your loan processed within 24-48 hours with best interest rates

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