Loan Services โ€” Gatistwam Enterprise

Loan Services Fast & Transparent

Documentation se disbursal tak โ€” 29 loan categories, โ‚น1,000 se โ‚น250 Crore tak.

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Loan Services

Every Loan, Handled by One Desk

Pick a category to see eligibility, documentation and processing time โ€” or send us a quick enquiry and we'll match you to the right lender.

04
Vehicle Loan

Financing for new and pre-owned cars with quick eligibility checks, competitive interest rates and dealer-linked disbursal for a smooth purchase.

โ‚น50K โ€“ 1CrLoan Amount
8% โ€“ 14%Interest Rate
1 โ€“ 7 YrsTenure
Eligibility: Salaried & self-employed, age 21โ€“65
Documents: KYC, income proof, vehicle quotation/invoice
05
Two Wheeler Loan

Simple, fast-track financing for scooters and motorcycles with minimal paperwork โ€” many cases approved and disbursed the same day.

โ‚น20K โ€“ 3LLoan Amount
9% โ€“ 18%Interest Rate
1 โ€“ 4 YrsTenure
Eligibility: Age 21+, valid ID & address proof, income proof
Documents: KYC, income proof, vehicle quotation
06
Tractor Loan

Financing for farm equipment and machinery, with repayment schedules aligned to harvest cycles and agricultural income patterns.

โ‚น1L โ€“ 25LLoan Amount
9% โ€“ 15%Interest Rate
1 โ€“ 9 YrsTenure
Eligibility: Land ownership/lease proof, farming income record
Documents: KYC, land records, quotation, income proof
07
OD / CC Loan

Overdraft and cash credit limits against stock, receivables or fixed deposits โ€” draw funds as needed and pay interest only on what you use.

โ‚น1L โ€“ 5CrLimit
10% โ€“ 16%Interest Rate
RenewableTenure
Eligibility: Existing business with steady turnover & collateral
Documents: KYC, GST/ITR, stock statement, bank statements
08
Education Loan

Covers tuition, hostel and other study costs for domestic and overseas courses, with moratorium during the study period and flexible repayment after.

โ‚น50K โ€“ 1.5CrLoan Amount
8% โ€“ 13%Interest Rate
Up to 15 YrsTenure
Eligibility: Admission confirmation, co-applicant income proof
Documents: KYC, admission letter, fee structure, co-applicant docs
09
Gold Loan

Instant funding against your gold jewellery or coins โ€” fast disbursal with transparent valuation and no income proof required.

โ‚น10K โ€“ 50LLoan Amount
7% โ€“ 15%Interest Rate
3 Mo โ€“ 3 YrsTenure
Eligibility: Age 18+, valid gold ownership, KYC
Documents: KYC only โ€” no income proof required
10
Loan Against Property (LAP)

Unlock funds against residential or commercial property for business expansion, education or debt consolidation, at lower rates than unsecured loans.

โ‚น5L โ€“ 5CrLoan Amount
9% โ€“ 14%Interest Rate
Up to 20 YrsTenure
Eligibility: Clear property title, stable income source
Documents: KYC, property papers, income proof, bank statements
11
MSME Loan

Collateral-light funding built for small and medium enterprises โ€” covering machinery purchase, working capital and business expansion.

โ‚น1L โ€“ 1CrLoan Amount
11% โ€“ 20%Interest Rate
1 โ€“ 10 YrsTenure
Eligibility: Udyam/MSME registration, min. 1 yr vintage
Documents: KYC, Udyam certificate, GST/ITR, bank statements
12
PM Mudra Loan

Government-backed micro-financing under Shishu, Kishor and Tarun categories for non-farm small businesses โ€” no collateral required.

Up to โ‚น10LLoan Amount
8% โ€“ 12%Interest Rate
Up to 5 YrsTenure
Eligibility: Non-farm income-generating micro/small business
Documents: KYC, business proof, project report
13
PMAY Housing Loan

Subsidised home loan assistance under the Pradhan Mantri Awas Yojana โ€” interest subsidy for first-time homebuyers across income categories.

Up to โ‚น2.67LSubsidy
8% โ€“ 9.5%Interest Rate
Up to 20 YrsTenure
Eligibility: First-time homebuyer, income-category linked
Documents: KYC, income proof, property papers, income certificate
14
Loan Balance Transfer

Move your existing home, personal or business loan to a lower interest rate โ€” we handle the foreclosure letter, NOC and new sanction process.

As OutstandingLoan Amount
8% โ€“ 11%Interest Rate
Remaining TenureTenure
Eligibility: Clean repayment track record on existing loan
Documents: KYC, loan statement, foreclosure letter, income proof
15
Unsecured Business Loan

Working capital and expansion funding without pledging collateral โ€” approved on the strength of your business's cash flow, bank statements and turnover.

โ‚น1L โ€“ 75LLoan Amount
14% โ€“ 26%Interest Rate
1 โ€“ 5 YrsTenure
Eligibility: 1+ yr business vintage, stable monthly turnover
Documents: KYC, bank statements, GST/ITR, business proof
16
Shopkeeper Loan

Quick working capital for retailers and shopkeepers โ€” stock purchase, shop renovation or daily cash flow, with simple documentation.

โ‚น50K โ€“ 25LLoan Amount
13% โ€“ 22%Interest Rate
1 โ€“ 5 YrsTenure
Eligibility: Active shop/trade license, 1+ yr in business
Documents: KYC, shop/trade license, bank statements
17
Car Loan (New & Used)

Financing for new and used cars, with valuation support on pre-owned vehicles and dealer-linked disbursal for new ones.

โ‚น50K โ€“ 1CrLoan Amount
8% โ€“ 15%Interest Rate
1 โ€“ 7 YrsTenure
Eligibility: Salaried & self-employed, age 21โ€“65
Documents: KYC, income proof, vehicle quotation/valuation
18
EV Two Wheeler Loan

Financing for electric scooters and motorcycles, covering both new EV models and old/used EV two-wheelers.

โ‚น20K โ€“ 3LLoan Amount
9% โ€“ 18%Interest Rate
1 โ€“ 4 YrsTenure
Eligibility: Age 21+, valid ID & address proof, income proof
Documents: KYC, income proof, EV quotation/invoice
19
EV Three Wheeler Loan

Financing for electric autos and three-wheeler load carriers, popular with last-mile delivery and passenger transport operators.

โ‚น50K โ€“ 5LLoan Amount
10% โ€“ 19%Interest Rate
1 โ€“ 5 YrsTenure
Eligibility: Valid driving permit where applicable, income proof
Documents: KYC, income proof, EV quotation/invoice
20
Supply Chain Finance

Working capital financing that unlocks cash tied up in your supply chain โ€” bridging the gap between paying suppliers and receiving payment from buyers.

โ‚น5L โ€“ 5CrLoan Amount
11% โ€“ 18%Interest Rate
RenewableTenure
Eligibility: Established supply chain relationship with anchor buyer/supplier
Documents: KYC, GST/ITR, purchase/sale invoices, bank statements
21
Dealer Finance

Inventory funding for authorised dealers to stock up on goods from manufacturers, with repayment aligned to sales cycles.

โ‚น5L โ€“ 3CrLoan Amount
11% โ€“ 18%Interest Rate
RenewableTenure
Eligibility: Authorised dealership agreement with manufacturer/OEM
Documents: KYC, dealership agreement, GST/ITR, bank statements
22
Distributor Finance

Working capital for distributors to purchase stock from principals and extend credit to their own retailer network without a cash crunch.

โ‚น5L โ€“ 3CrLoan Amount
11% โ€“ 18%Interest Rate
RenewableTenure
Eligibility: Active distribution agreement, steady turnover
Documents: KYC, distribution agreement, GST/ITR, bank statements
23
Loan Against Receivables

Unlock cash tied up in unpaid invoices or trade receivables, without waiting for your buyers' payment cycle to complete.

โ‚น5L โ€“ 5CrLoan Amount
12% โ€“ 19%Interest Rate
90 โ€“ 180 DaysTenure
Eligibility: Verifiable trade receivables from established buyers
Documents: KYC, invoices, purchase orders, GST/ITR
24
Education Fees Loan

Short-term financing to cover a single semester or annual fee payment, so a fee deadline never derails a student's admission.

โ‚น25K โ€“ 10LLoan Amount
11% โ€“ 18%Interest Rate
3 Mo โ€“ 3 YrsTenure
Eligibility: Admission/fee receipt, applicant or co-applicant income proof
Documents: KYC, fee structure/receipt, income proof
25
School Fees Finance

Convert your child's school fees into manageable monthly instalments instead of one large upfront payment each term.

โ‚น10K โ€“ 5LLoan Amount
10% โ€“ 16%Interest Rate
3 โ€“ 12 MoTenure
Eligibility: School fee structure, parent/guardian income proof
Documents: KYC, school fee receipt/structure, income proof
26
Education Institute Loan

Funding for schools, colleges and coaching institutes to expand infrastructure, purchase equipment or manage working capital.

โ‚น10L โ€“ 5CrLoan Amount
12% โ€“ 18%Interest Rate
1 โ€“ 15 YrsTenure
Eligibility: Registered educational institution/trust, 2+ yrs operation
Documents: KYC, registration certificate, financial statements
27
Loan Against School / Trust Property

Unlock funds against property owned by an educational trust or institution, for expansion, renovation or working capital needs.

โ‚น20L โ€“ 10CrLoan Amount
10% โ€“ 15%Interest Rate
Up to 15 YrsTenure
Eligibility: Clear trust/institution property title, registered trust deed
Documents: KYC, property papers, trust deed, financial statements
28
Professional / Personal Overdraft (DR & CA)

An overdraft facility for professionals and individuals โ€” draw funds up to your sanctioned limit against a Deposit Receipt (DR) or Current Account (CA), paying interest only on what you use.

โ‚น1L โ€“ 1CrLimit
10% โ€“ 16%Interest Rate
RenewableTenure
Eligibility: Practising professional or salaried/self-employed individual with FD/security
Documents: KYC, income proof, FD/security documents
29
Cash Credit (CC) Loan

A revolving working capital facility secured against stock and receivables, letting businesses draw funds as needed within a sanctioned limit.

โ‚น2L โ€“ 5CrLimit
10% โ€“ 17%Interest Rate
RenewableTenure
Eligibility: Existing business with stock/receivables to pledge
Documents: KYC, stock statement, GST/ITR, bank statements
Eligibility Guide

Why Take a Loan, and Who Can Apply

A loan can help you reach a goal sooner. Here is why people apply, who usually qualifies, and what lenders check before approval.

Why people take a loan

Buy or build a home

Purchase, construction or renovation without waiting to save the full amount.

Grow a business

Working capital, expansion, machinery or inventory to keep your business moving.

Handle urgent needs

Medical expenses, education, weddings or travel when you need funds quickly.

Buy a vehicle or use gold

Finance a new or used car, or raise funds against your gold jewellery.

Who can apply

  • Salaried employees with a steady job, recent salary slips and bank statements.
  • Self-employed and business owners with ITR, GST returns or business bank statements.
  • Students and young professionals, sometimes with a co-applicant or guarantor, depending on the loan.
  • Indian residents with valid ID and address proof.

What lenders check

  • Age: usually between 21 and 65, depending on the loan and tenure.
  • Income: stable income that covers the monthly EMI comfortably.
  • Credit score: your CIBIL history and past repayment record.
  • Existing EMIs: current loans and repayments that affect how much more you can take.

Eligibility lender aur loan type ke hisaab se alag hoti hai. Ek quick enquiry bhejein, hum aapki situation dekh kar sahi option batayenge.

Check My Eligibility
Eligibility Criteria

Who Can Apply

General eligibility across most loan categories โ€” exact criteria vary slightly by product and lender.

Age

21โ€“65 years at the time of application

Employment

Salaried, self-employed or business owner

Income

Stable monthly income or verifiable turnover

Credit Score

CIBIL 650+ preferred for best interest rates

Residency

Indian resident with valid address proof

Documentation

What You'll Need to Apply

We help you collect, verify and submit everything correctly the first time โ€” no repeat trips to the branch.

Identity & Address Proof
PAN Card
Aadhaar Card
Passport-size photographs
Utility bill / rent agreement (address proof)
Income & Financial Documents
Salary slips / ITR (last 2โ€“3 years)
Bank statements (last 6 months)
GST returns (for business/MSME loans)
Collateral / property papers (if applicable)
How It Works

From Enquiry to Disbursal

A simple, four-step process handled end-to-end by our loan desk.

01
Enquiry & Eligibility Check

Share your requirement โ€” we check eligibility and shortlist the right lenders.

02
Document Collection

We help you gather and verify every required document before submission.

03
Bank Submission & Follow-Up

Application submitted with active follow-up until a decision is reached.

04
Approval & Disbursal

Once approved, we track disbursal through to your account.

FAQ

Loan Questions, Answered

Everything you need to know before you apply

How long does loan approval usually take?
Most loans are approved within 24โ€“72 hours once documents are complete. Gold and personal loans can be faster; home and LAP loans may take a few days longer due to property verification.
Will checking eligibility affect my CIBIL score?
No. Our initial eligibility check is a soft enquiry and does not impact your credit score. A hard enquiry only happens once you formally apply with a lender.
Can I apply with a low CIBIL score?
Yes, though interest rates may be higher. We also offer CIBIL repair support to help improve your score before applying for better terms.
Are there any hidden charges?
No. Every fee โ€” processing, documentation and consultancy โ€” is disclosed upfront before you proceed with any lender.
Can I prepay or foreclose my loan early?
Yes, most loans allow part-prepayment or full foreclosure after a lock-in period, subject to lender-specific charges which we explain before you sign.

Not sure which loan fits your need?

Tell us your requirement and our loan desk will match you to the right product and lender.

+91 97122 97355 gatistwamenterperise@gmail.com At.Po Unchamala, near Township Gate, Ta. Vyara, Dist. Tapi, Gujarat