Basantaarati AB Pvt Ltd
Your Trusted Financial Partner in Odisha | Licensed NBFC providing comprehensive loan solutions
All types of loans including micro finance, personal, business, home loans with instant approval
Instant Loan Services Coming Soon!
Revolutionary instant loan processing with AI-powered approvals. All other loan services including Micro Finance are LIVE now!
Our Achievements
Leading financial services provider in Odisha with proven track record
Total Loans Disbursed
Happy Customers
Loan Categories
Approval Rate
Loan Distribution by Category
Monthly Loan Growth
Micro Finance & Small Loans
Affordable micro finance solutions for small businesses, entrepreneurs and individuals with low income requirements
Micro Business Loans
Small business loans for street vendors, small shops, and micro enterprises with minimal documentation.
Amount: ₹5K - ₹2L
Tenure: 6-36 months
Women Empowerment Loans
Special micro finance schemes for women entrepreneurs and self-help groups with flexible terms.
Amount: ₹3K - ₹1L
Tenure: 12-24 months
Joint Liability Group Loans
Group loans for 5-10 members with collective responsibility and lower interest rates.
Amount: ₹10K - ₹50K per member
Tenure: 12-36 months
Emergency Micro Loans
Quick micro loans for emergency needs like medical expenses, household repairs, and urgent requirements.
Amount: ₹2K - ₹25K
Tenure: 3-12 months
Agricultural Micro Finance
Small agricultural loans for seeds, fertilizers, equipment and livestock for small farmers.
Amount: ₹5K - ₹1L
Tenure: 6-24 months
Skill Development Loans
Micro finance for vocational training, skill development courses and certification programs.
Amount: ₹3K - ₹50K
Tenure: 6-18 months
Micro Finance Loan Comparison
| Micro Finance Type | Interest Rate (p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| Micro Business Loan | 12% - 24% | ₹5K - ₹2L | 6-36 months | 2% - 3% |
| Women Empowerment Loan | 10% - 18% | ₹3K - ₹1L | 12-24 months | 1% - 2% |
| JLG Loans | 11% - 16% | ₹10K - ₹50K | 12-36 months | 1.5% - 2.5% |
| Emergency Micro Loan | 15% - 22% | ₹2K - ₹25K | 3-12 months | 3% - 4% |
| Agricultural Micro Finance | 9% - 15% | ₹5K - ₹1L | 6-24 months | 1% - 2% |
| Skill Development Loan | 8% - 14% | ₹3K - ₹50K | 6-18 months | 1% - 1.5% |
All Types of Loans Available
Comprehensive loan solutions for every financial need - All services are LIVE including Micro Finance (except Instant Loans)
Personal Loans
Unsecured loans for all personal needs - medical, wedding, travel, debt consolidation.
Amount: ₹25K - ₹50L
Tenure: 12-84 months
Business Loans
Working capital, term loans, equipment finance for business growth and expansion.
Amount: ₹1L - ₹10Cr
Tenure: 12-84 months
Home Loans
Purchase, construction, renovation loans with attractive rates and tax benefits.
Amount: No upper limit
Tenure: Up to 30 years
Vehicle Loans
New/used cars, two-wheelers, commercial vehicles with up to 90% financing.
Amount: Up to 90% of vehicle cost
Tenure: 12-96 months
Gold Loans
Quick loans against gold ornaments with instant approval and secure storage.
Amount: Up to 75% of gold value
Tenure: 12-36 months
Property Loans
Loan against residential/commercial property for any financial requirement.
Amount: Up to 70% of property value
Tenure: Up to 20 years
Education Loans
Studies in India/abroad with moratorium period and tax benefits under 80E.
Amount: Up to ₹1.5 Crore
Tenure: Flexible terms
MSME Loans
MUDRA, Stand-up India and other government-backed schemes for small businesses.
Amount: ₹50K - ₹10L
Tenure: 12-60 months
Agriculture Loans
Crop loans, Kisan Credit Card, equipment finance with government subsidies.
Amount: As per requirement
Tenure: Seasonal/Annual
Complete Loan Interest Rates Comparison
| Loan Type | Interest Rate (p.a.) | Maximum Amount | Maximum Tenure | Processing Time | Processing Fee |
|---|---|---|---|---|---|
| Gold Loans | 7.5% - 11% | Up to 75% of gold value | 12-36 months | Same day | 0.5% - 1% |
| Agriculture Loans | 7.0% - 11% | As per requirement | Seasonal/Annual | 7-15 days | 0.5% - 1.5% |
| MSME Loans | 7.5% - 12% | ₹50K - ₹10L | 12-60 months | 5-10 days | 1% - 2% |
| Home Loans | 8.5% - 10% | No upper limit | Up to 30 years | 7-21 days | 0.5% - 1% |
| Personal Loans | 8.5% - 18% | ₹25K - ₹50L | 12-84 months | 2-7 days | 2% - 4% |
| Vehicle Loans | 8.5% - 14% | Up to 90% of vehicle cost | 12-96 months | 3-7 days | 1% - 2% |
| Education Loans | 8.5% - 13% | Up to ₹1.5 Crore | Flexible terms | 7-15 days | 1% - 2% |
| Business Loans | 9.0% - 16% | ₹1L - ₹10Cr | 12-84 months | 5-15 days | 2% - 3% |
| Property Loans | 9.0% - 12% | Up to 70% of property value | Up to 20 years | 10-21 days | 1% - 2% |
Required Documents
Documents needed for different loan types - We help you with complete documentation
Identity Proof
Aadhaar Card, PAN Card, Voter ID, Driving License, Passport
Address Proof
Aadhaar Card, Utility Bills, Rent Agreement, Property Documents
Income Proof
Salary Slips, ITR, Bank Statements, Business Financials
Bank Statements
Last 6 months bank statements, Salary account details
Photographs
Recent passport size photos, Business/Property photos if applicable
Employment Proof
Employment Letter, Experience Certificate, Business Registration
Documents Required by Loan Type
| Loan Type | Mandatory Documents | Additional Documents | Processing Time |
|---|---|---|---|
| Personal Loans | ID, Address, Income Proof, Bank Statements | Employment Letter, Form 16 | 2-7 days |
| Business Loans | Business Registration, ITR, Bank Statements | GST Returns, Audited Financials | 5-15 days |
| Home Loans | Property Documents, Income Proof, Bank Statements | Approved Plan, NOC from Society | 7-21 days |
| Vehicle Loans | ID, Income Proof, Vehicle Quotation | Insurance Details, Dealer Invoice | 3-7 days |
| Gold Loans | ID Proof, Gold Ornaments | Purchase Receipts (if available) | Same day |
| Education Loans | Admission Letter, Fee Structure, ID Proof | Academic Records, Entrance Scores | 7-15 days |
Eligibility Criteria
Check if you qualify for our loan products - Flexible eligibility with customer-friendly terms
📋 General Eligibility
-
Age Criteria
21-65 years for most loans, 18+ for education loans -
Income Requirement
Minimum ₹15,000/month for salaried, ₹2L annual for business -
Credit Score
650+ preferred, but we consider applications with lower scores -
Employment Stability
Minimum 1 year current employment/business operation
💰 Loan Amount Guidelines
-
Micro Finance Loans: ₹2K - ₹2L
-
Personal Loans: ₹25K - ₹50L
-
Business Loans: ₹1L - ₹10Cr
-
Home Loans: No Limit
-
Gold Loans: 75% of Gold Value
-
Education Loans: Up to ₹1.5Cr
Loan Eligibility by Income Range
About Basantaarati AB Pvt Ltd
Your trusted financial partner committed to making loans and micro finance accessible and affordable for everyone
Our Mission
To provide quick, transparent, and affordable loan solutions including micro finance that empower individuals and businesses in Odisha to achieve their financial goals and dreams with dignity and ease.
- Customer-centric approach
- Transparent processes
- Quick loan approvals
- Competitive interest rates
Our Vision
To become Odisha's most trusted and innovative financial services company, leading the transformation in loan processing through technology and exceptional customer service.
- Technology-driven solutions
- Pan-Odisha presence
- Financial inclusion
- Innovation in lending
Our Values
Built on the foundation of trust, integrity, and customer satisfaction, we believe in ethical lending practices and long-term relationships with our valued customers.
- Trust & integrity
- Customer satisfaction
- Ethical practices
- Social responsibility
Get Your Loan Approved Today!
Contact Basantaarati AB Pvt Ltd for instant loan and micro finance solutions
Basantaarati AB Pvt Ltd - Your Trusted Loan & Micro Finance Partner in Odisha
© 2024 All Rights Reserved | Licensed Financial Services Provider | Micro Finance Specialist
What Our Clients Say
Real experiences from real customers
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