Radhika Finances

How Can I get a Project Loan.

Radhika Finances

Getting a project loan involves several key steps and eligibility requirements. Project loans are typically offered to businesses or individuals for funding large-scale ventures like construction, infrastructure, industrial setup, renewable energy projects, and more. 1. Project Planning & Documentation Before approaching lenders, prepare a comprehensive Project Report that includes: Project overview and objectives Market analysis and feasibility Cost estimates and fund requirements Projected cash flow and repayment plan Business model and expected ROI.Read More

How Much EMI Do I Need To Pay

Radhika Finances

Affordable EMIs, stress-free repayments! The EMI depends on: Loan Amount – The higher the amount, the higher the EMI. Interest Rate – Higher rates increase your EMI. Loan Tenure – Longer tenure reduces monthly EMI but increases total interest paid.

Documentation and Rate Of Interest ,Tenure

Radhika Finances

"Say goodbye to complex paperwork! Get your loan approved with simple documentation and quick processing to meet your financial needs on time.

Find out more about what we do?

At Radhika Finances we are committed to empowering individuals and businesses with smart financial solutions that drive growth, stability, and success. Whether you’re looking to secure a home, manage your business finances, or make intelligent investments, we provide a range of tailored financial products designed to meet your unique needs. Our team of experts is here to guide you through the complexities of the financial world with confidence, offering personalized solutions that ensure your financial peace of mind. From comprehensive loans to wealth management and investment strategies, we offer a broad spectrum of services that help you achieve your goals, every step of the way. Call us for More Details:09129768488,07248169374

Home Loan

A Home Loan is a secured financial product that helps individuals purchase, construct, or renovate a residential property. Offered by banks and financial institutions, it allows borrowers to fulfill their dream of owning a home through structured and affordable monthly repayments.

Advantages of Home Loan

Helps Own a Dream Home

Enables individuals to buy or build a house without paying the full amount upfront.

Affordable EMIs

Flexible repayment tenures (up to 30 years) make EMIs easier to manage.

Tax Benefits

Get deductions under Section 80C (principal repayment) and Section 24(b) (interest repayment) of the Income Tax Act.

Capital Appreciation

Investing in property often results in long-term value appreciation.

Balance Transfer Facility

Option to transfer existing loans to another lender at a lower interest rate.

Improved Credit Profile

Timely repayments help build and improve your credit score.

Custom Loan Options

Eligibility Criteria

Eligibility may vary by lender, but the general criteria include:

For Salaried Ind

Individuals:

Age: 21–60 yearsMinimum income as per city/tier (varies by lender)

Minimum 2–3 years of stable employment

For Self-Employed Professionals:

Age: 25–65 years

Minimum 3 years in current business/profession

Consistent income and positive financial history

Common Factors:

Good credit score (ideally 650+)

Clear property title and documents

Co-applicants allowed to enhance eligibility

Tailored loans for salaried, self-employed, NRI customers, and women borrowers.

Documents Required

1. KYC Documents

PAN Card (mandatory)

Aadhaar Card

Voter ID / Passport / Driving License

Passport-size photographs

2. Income Proof

For Salaried Applicants:

Last 3–6 months’ salary slips

Form 16 / Income Tax Returns (last 2 years)

Bank statements (last 6 months)

For Self-Employed Applicants:

Income Tax Returns (last 2–3 years)

Profit & Loss Statement and Balance Sheet (audited)

GST registration (if applicable)

Bank statements (business and personal – last 6–12 months)

3. Property Documents

Agreement to Sell / Allotment Letter

Sale Deed / Title Deed / Property Chain Documents

Approved Building Plan

Occupancy/Completion Certificate (if applicable)

Latest property tax receipt