Complete Loan Solutions — Prabhunath Services
Detailed information about loan types with features, eligibility, processing timeline and benefits. We assist end-to-end.
Personal Loan
Quick unsecured loans for immediate needs
Loan Amount
₹50K - ₹25L
Interest Rate
10.50% - 24% p.a.
Tenure
12 - 60 Months
Processing
24-48 Hours
Unsecured funds for medical, wedding, travel, home repairs or emergencies — fast approval with minimal paperwork.
- No Collateral: Unsecured — no asset required
- Quick Disbursal: Funds in 24–48 hours
- Flexible Use: Use for any purpose
- Minimal Documents: PAN, Aadhaar, bank statement
- Predictable EMI: Fixed monthly payments
Business Loan
Working capital & growth finance
Loan Amount
₹1L - ₹50L
Interest Rate
12% - 20% p.a.
Tenure
12 - 84 Months
Processing
3-5 Days
Finance for inventory, machinery, expansion or working capital for proprietors, partnerships and companies.
- High Amounts: Up to ₹50 lakhs
- Flexible Terms: Tenure up to 7 years
- Tax Advantages: Interest often tax-deductible
- Fast Processing: Dedicated follow-up
- Custom Options: Tailored to business needs
Home Loan
Buy, build or renovate
Loan Amount
₹5L - ₹5Cr
Interest Rate
8.50% - 10.50% p.a.
Tenure
5 - 30 Years
Processing
7-15 Days
Competitive rates, long tenures and tax benefits — finance purchase, construction or renovation with best-fit lenders.
- Lowest Rates: Competitive bank rates
- Long Tenure: Up to 30 years
- Tax Benefit: Interest tax exemptions
- High LTV: Up to 90% finance
- Options: Floating or fixed rate
Loan Against Property (LAP)
Unlock property value
Loan Amount
₹5L - ₹10Cr
Interest Rate
9% - 14% p.a.
Tenure
5 - 20 Years
Processing
7-10 Days
Mortgage property to obtain high-value loans for business expansion, education, medical emergencies or debt consolidation.
- Large Amounts: Up to ₹10 crores
- Lower Interest: Cheaper than unsecured loans
- Long Repayment: Up to 20 years
- Flexible Use: Any business or personal need
- Up to 70% LTV: Loan-to-value up to ~70%
New Car Loan
Drive your new car today
Loan Amount
₹1L - ₹50L
Interest Rate
8.75% - 12% p.a.
Tenure
12 - 84 Months
Processing
2-4 Days
Affordable finance for new cars — up to 90% on-road finance, insurance options and flexible tenure.
- High Finance: Up to 90% on-road
- Quick Approval: 2–4 days
- All Brands: Finance across manufacturers
- Insurance: Option to include insurance
- Flexible Terms: Choose optimal EMI plan
Used Car Loan
Finance pre-owned vehicles
Loan Amount
₹50K - ₹25L
Interest Rate
10% - 15% p.a.
Tenure
12 - 60 Months
Processing
2-4 Days
Finance for quality used cars — up to 80% financing, quick approvals and affordable EMIs.
- Up to 80%: Finance on pre-owned cars
- Fast Process: 2–4 days
- Wide Coverage: Most makes/models accepted
- Affordable EMI: Lower monthly burden
- Flexible Tenure: 1–5 years
Instant Loan
Funds in 30 minutes — digital
Loan Amount
₹10K - ₹5L
Interest Rate
12% - 26% p.a.
Tenure
3 - 36 Months
Processing
30 Minutes
Completely digital emergency cash — minimal KYC and fastest turnaround for urgent needs.
- Super Fast: Disbursal in 30 minutes
- Digital: No branch visit required
- Minimal Docs: Aadhaar, PAN, bank statement
- Flexible Amount: Borrow from ₹10,000
- 24/7: For urgent cases
Micro Finance
Small loans for micro-businesses
Loan Amount
₹5K - ₹2L
Interest Rate
14% - 20% p.a.
Tenure
6 - 36 Months
Processing
1-2 Days
Tailored for SHGs, small rural businesses and women entrepreneurs — easy eligibility and quick processing.
- Small Amounts: ₹5,000 to ₹2,00,000
- Women Focus: Special schemes available
- Group Lending: SHG / JLG options
- Rural Reach: Available in multiple locations
- Fast Approval: Minimal documents
Education Loan
Study in India or abroad
Loan Amount
₹50K - ₹1Cr
Interest Rate
9% - 15% p.a.
Tenure
5 - 15 Years
Processing
5-10 Days
Finance tuition, living and travel — moratorium during course and flexible repayment post completion.
- Full Coverage: Tuition + living + travel
- Moratorium: Repayment after course
- India & Abroad: Funding globally
- Co-applicant: Parent as co-borrower
- Tax Benefit: Interest may be deductible
Government Scheme Loans
MUDRA, PMEGP, MSME & Startup schemes
Loan Amount
₹50K - ₹10L
Interest Rate
8% - 12% p.a.
Tenure
3 - 7 Years
Processing
7-14 Days
Support for startups and MSMEs with subsidized rates, collateral-free options up to limits and project subsidies where applicable.
- Subsidized: Lower interest and subsidies
- Collateral-free: Up to specified limits
- Startup Support: Schemes for new businesses
- Broad Coverage: Multiple eligible sectors
- Application Help: We handle submission & follow-up
| Loan Type | Best For | Amount Range | Interest | Max Tenure | Approval Time | Collateral |
|---|---|---|---|---|---|---|
| Personal Loan | Emergency, Personal | ₹50K - ₹25L | 10.50% - 24% | 5 Years | 24-48 Hrs | No |
| Business Loan | Working Capital | ₹1L - ₹50L | 12% - 20% | 7 Years | 3-5 Days | Optional |
| Home Loan | Property Purchase | ₹5L - ₹5Cr | 8.50% - 10.50% | 30 Years | 7-15 Days | Yes |
| Loan Against Property | Large Funding | ₹5L - ₹10Cr | 9% - 14% | 20 Years | 7-10 Days | Yes |
| Car Loan | Vehicle | ₹1L - ₹50L | 8.75% - 12% | 7 Years | 2-4 Days | Yes |
| Used Car | Pre-owned Vehicle | ₹50K - ₹25L | 10% - 15% | 5 Years | 2-4 Days | Yes |
| Instant Loan | Emergency Cash | ₹10K - ₹5L | 12% - 26% | 3 Years | 30 Min | No |
| Micro Finance | Small Business | ₹5K - ₹2L | 14% - 20% | 3 Years | 1-2 Days | No |
| Education Loan | Higher Studies | ₹50K - ₹1Cr | 9% - 15% | 15 Years | 5-10 Days | Optional |
| Govt Scheme | MSME / Startup | ₹50K - ₹10L | 8% - 12% | 7 Years | 7-14 Days | No |
Government Scheme Loan
Home Loan
Car Loan
Loan Against Property
Education Loan
Used Car Loan
Personal Loan
Business Loan
Instant Loan
Micro Finance
Frequently Asked Questions
Common questions and quick answers about loan process and documents.
What is the minimum credit score required?
Minimum credit score varies: personal loans prefer 650+, home loans 700+. We work with lenders who consider lower scores with compensating factors.
How long does loan disbursement take?
Instant loans: 30 mins–2 hours. Personal loans: 24–48 hours. Car loans: 2–4 days. Business loans: 3–5 days. Home loans: 7–15 days.
What documents are required?
Basic: Aadhaar, PAN, address proof, income proof (salary slips/ITR), bank statements. Additional docs vary by loan type; we provide a checklist.
Ready to Apply?
Expert assistance — lowest rates, multiple lenders, transparent process.
G B SERVICE, C/O: PRABHUNATH BHAGAT, OLD BUS STAND, KUBER TOLA, FORBESGANJ, DIST- ARARIA, BIHAR — 854318 • prabhunathbhagat21@gmail.com