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Home Loan

Home loans are a secured mode of finance that gives you the funds to buy or build the home of your choice. You can apply online for at lower interest rates at Driskhi Wealth Finance. The following are the types of home loans available in India:A loan is a sum of money borrowed from a Non-Banking Financial Company (NBFC) or bank, which you agree to repay within a specified period.

The lender sets a fixed interest rate, which you must pay along with the principal amount over the agreed timeframe. Here are various types of loans available in India.

Land purchase loan

A land purchase loan from Drikshi provides flexible financing options tailored to your needs, facilitating smooth acquisition of your desired property.

Home construction loan

Drikshi's home construction loan offers tailored financing solutions to fund the construction of your dream home, ensuring seamless project execution and peace of mind.

Home loan balance transfer

Transfer your existing home loan to Drikshi for competitive rates and flexible repayment options, ensuring convenience and potential savings on interest.

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A loan against property

A loan against property is a popular type of secured loan. By pledging your residential, commercial, or industrial property, you can obtain the funds you need. The disbursed loan amount is a percentage of the property's value, which varies between lenders.

Gold Loan

A gold loan requires you to pledge gold jewelry or coins as collateral, with the loan amount being a percentage of the gold's value. These loans are generally intended for short-term needs and have a shorter repayment period compared to home loans and loans against property.

What are the types of unsecured loan

Types of unsecured loans include personal loans, credit card loans, student loans (in some cases), and lines of credit (such as personal lines of credit or business lines of credit). These loans do not require collateral and are typically approved based on the borrower's creditworthiness and income.

Personal loan

A personal loan is a highly popular type of unsecured loan that provides immediate liquidity. Due to its unsecured nature, the interest rates are typically higher than those for secured loans.

Short-term business loans

Another type of unsecured loan is a short-term business loan, which can be utilized to cover various expansion and daily expenses of entities and organizations.

What is a Mortgage Loan?

A Mortgage Loan is a secured loan where you can use immovable properties as collateral to receive funding. The loan amount typically equates to about 60% of the current realizable value of the assets, contingent on the lender's income criteria.

Loan Against Residential Property

In India, you can secure a loan against property, such as your home or a piece of land you own. One significant advantage of a Loan Against Residential Property is the high-value loan amounts available.

Loan Against Commercial Property

If you own commercial property, such as shops, warehouses, or land for commercial use, you can mortgage them to obtain the necessary funds. This option is available to self-employed individuals, including doctors, lawyers, traders, contractors, and others.

Key Features & Benefits – Commercial Property for Salaried

Overview – Commercial Property for Salaried

Commercial property financing options tailored for salaried individuals, providing opportunities to invest in offices, retail spaces, or other business properties with structured loan solutions.

Easy eligibility

If you don't have formal income proof documents like an ITR, our local experts are trained to assess your income and help determine a loan amount that you can comfortably repay.

Quick loan disbursal

Your loan can be disbursed in as little as 72 hours. This swift process is possible because each of our branches has a dedicated team of legal and technical experts

Loans for all job profiles

We are dedicated to supporting small businesses because we believe that when an Indian SME thrives, the entire Indian economy benefits.

Loans for different business sizes

Whether your needs are big or small, we finance them all. Found a better property for your office? Planning to expand your business.

Commercial Loan

A commercial loan is a debt-based funding arrangement between a business and a financial institution. These loans are typically used to cover major capital expenditures and operational costs that the company may otherwise be unable to afford. Commercial loans are commonly utilized for purposes such as purchasing new equipment, expanding operations, or covering day-to-day operational expenses. These loans can be secured or unsecured and usually have a shorter repayment period compared to home loans. The interest rates for commercial loans are generally higher due to the increased risk associated with lending to businesses.

Personal Loan

A personal loan is an unsecured loan provided by financial institutions based on an individual's creditworthiness and income level. Borrowers can use personal loans for a wide range of purposes, including medical expenses, travel, home renovation, or debt consolidation. Since personal loans are unsecured, they typically come with higher interest rates compared to secured loans. The loan tenure for personal loans is usually shorter, ranging from 1 to 5 years. Approval for personal loans depends heavily on the borrower’s credit score and financial stability.

Debt Consolidation Loan

Purpose: To pay off existing debts such as credit card balances, medical bills, and other personal loans.

Wedding Loan

Purpose: To finance wedding expenses and ensure that all aspects of the event are adequately covered.

Medical Loan

Purpose: To finance medical treatments, surgeries, medications, and other healthcare-related costs.

Home Renovation Loan

Purpose: To finance home renovations, including kitchen remodeling, bathroom upgrades, painting, and other improvement projects.