Loan Services - Anand Enterprises Financial Services | Personal, Business, Home & Car Loans in Ludhiana

💰 Complete Loan Solutions

Get Personal, Business, Home, Car & Property Loans with Lowest Interest Rates, Quick Approval in 2-24 Hours

Calculate EMI Call: 9855510444

🏦 All Types of Loans Available

Choose from our comprehensive range of loan products designed to meet every financial need

Personal Loan

Quick personal loans for any purpose - medical expenses, wedding, education, travel, home renovation or debt consolidation. No collateral required.

  • Loan Amount: ₹50,000 - ₹50,00,000
  • Interest Rate: 10.5% - 24% per annum
  • Tenure: 1 - 7 years
  • Processing Time: 2-24 hours
  • Minimal Documentation
Starting from 10.5%*
*Interest rates subject to credit profile
Apply for Personal Loan

Business Loan

Fuel your business growth with working capital loans, equipment financing, business expansion loans, and startup funding solutions.

  • Loan Amount: ₹1,00,000 - ₹5,00,00,000
  • Interest Rate: 9.5% - 18% per annum
  • Tenure: 1 - 10 years
  • Processing Time: 3-7 working days
  • Flexible repayment options
Starting from 9.5%*
*For established businesses with good financials
Apply for Business Loan

Home Loan

Make your dream home a reality with our affordable home loans. Purchase, construction, or home improvement loans available.

  • Loan Amount: ₹5,00,000 - ₹10,00,00,000
  • Interest Rate: 8.5% - 12% per annum
  • Tenure: 5 - 30 years
  • Processing Time: 7-15 working days
  • Up to 90% of property value
Starting from 8.5%*
*Attractive rates for salaried individuals
Apply for Home Loan

Car Loan (New & Used)

Drive your dream car today with our competitive car loan rates. Finance both new and pre-owned cars with flexible EMI options.

  • Loan Amount: ₹1,00,000 - ₹2,00,00,000
  • Interest Rate: 8.25% - 15% per annum
  • Tenure: 1 - 7 years
  • Processing Time: 2-5 hours
  • Up to 90% of car value
Starting from 8.25%*
*Special rates for new cars
Apply for Car Loan

Loan Against Property

Unlock the value of your property with high-value loans at attractive interest rates. Use for any business or personal purpose.

  • Loan Amount: ₹10,00,000 - ₹10,00,00,000
  • Interest Rate: 9% - 16% per annum
  • Tenure: 5 - 20 years
  • Processing Time: 7-21 working days
  • Up to 70% of property value
Starting from 9%*
*Based on property valuation & profile
Apply for Property Loan

📊 Interest Rate Comparison

Compare interest rates across different loan types and choose what's best for you

Loan Type Interest Rate Range Max Loan Amount Max Tenure Processing Time Action
Personal Loan 10.5% - 24% ₹50 Lakhs 7 Years 2-24 Hours Apply
Business Loan 9.5% - 18% ₹5 Crores 10 Years 3-7 Days Apply
Home Loan 8.5% - 12% ₹10 Crores 30 Years 7-15 Days Apply
Car Loan 8.25% - 15% ₹2 Crores 7 Years 2-5 Hours Apply
Property Loan 9% - 16% ₹10 Crores 20 Years 7-21 Days Apply

📈 Loan Interest Rate Analysis

Visual comparison of interest rates and loan amounts across different loan types

Interest Rate Comparison

Maximum Loan Amount

🧮 EMI Calculator

Calculate your EMI instantly and plan your finances better

₹11,122
Monthly EMI
₹1,67,320
Total Interest
₹6,67,320
Total Amount
₹5,00,000
Principal

📄 Document Requirements

Required documents for different types of loans - keep these ready for faster processing

Personal Loan Documents

  • Aadhaar Card (Identity Proof)
  • PAN Card (Mandatory)
  • Passport/Driving License/Voter ID
  • Salary Slips (Last 3 months)
  • Bank Statements (Last 6 months)
  • Employment Certificate
  • Form 16 / ITR (Last 2 years)
  • Current Address Proof

Business Loan Documents

  • Business Registration Certificate
  • GST Registration Certificate
  • Financial Statements (Last 3 years)
  • Bank Statements (Last 12 months)
  • ITR with Computation (Last 3 years)
  • MOA & AOA (for companies)
  • Partnership Deed (for partnerships)
  • Current Account Statements

Home Loan Documents

  • Property Documents (Sale Deed)
  • Approved Building Plan
  • NOC from Builder/Society
  • Property Valuation Report
  • Income & Identity Documents
  • Bank Statements (Last 6 months)
  • Property Tax Receipts
  • Insurance Documents

Car Loan Documents

  • Car Quotation/Proforma Invoice
  • Identity & Address Proof
  • Income Proof (Salary/ITR)
  • Bank Statements (Last 3 months)
  • Driving License
  • PAN Card
  • Passport Size Photos
  • Insurance Documents

⚡ Simple 5-Step Loan Process

Get your loan approved in just 5 easy steps with our streamlined process

1

Apply Online

Fill our simple online application form with basic details. Takes only 2-3 minutes to complete.

2

Document Submission

Submit required documents digitally. Our team will verify and process them within 2 hours.

3

Verification

Quick verification of documents and eligibility. We may call for additional information if needed.

4

Approval

Loan approval notification via SMS and email. Sanction letter with terms and conditions shared.

5

Disbursal

Amount disbursed directly to your bank account after completing formalities and documentation.

❓ Frequently Asked Questions

Get answers to common questions about our loan services

Personal Loans: ₹50,000 to ₹50 lakhs
Business Loans: ₹1 lakh to ₹5 crores
Home Loans: ₹5 lakhs to ₹10 crores
Car Loans: ₹1 lakh to ₹2 crores
Property Loans: ₹10 lakhs to ₹10 crores
The exact amount depends on your eligibility, income, and credit profile.

Personal & Car Loans: 2-24 hours for quick approval
Business Loans: 3-7 working days
Home Loans: 7-15 working days
Property Loans: 7-21 working days
Processing time may vary based on document completeness and verification requirements.

Key factors include: Credit Score (minimum 650 preferred), Monthly Income (stable employment/business income), Age (21-65 years), Employment Stability (minimum 2 years), Debt-to-Income Ratio, Existing Financial Obligations, and Collateral (for secured loans). We also consider your banking behavior and repayment history.

Yes, you can prepay your loan partially or fully. Personal Loans: No prepayment charges after 6 months. Business & Home Loans: 2-3% prepayment charges in first year, reducing thereafter. Car Loans: 4-6% charges in first year. Property Loans: 2-4% charges. Exact terms will be mentioned in your loan agreement.

Processing Fee: 1-3% of loan amount (varies by loan type)
Documentation Charges: ₹500 - ₹2000
Legal & Technical Charges: ₹5000 - ₹15000 (for secured loans)
Late Payment Charges: ₹500 + 2% per month on overdue amount
Cheque Bounce: ₹750 per instance
All charges are transparently disclosed before loan approval.

While a good credit score (750+) gets better rates, we do consider applications with scores as low as 600. For lower scores, we may require: Higher interest rates, Co-applicant/Guarantor, Collateral security, Higher down payment (for asset loans), or Additional documentation. We believe in giving everyone a chance to fulfill their financial needs.

🚀 Ready to Get Your Loan Approved?

Join thousands of satisfied customers who got their loans approved with Anand Enterprises Financial Services

Apply for Loan Now Call: 9855510444

100% Secure Process | Quick Approval in 2-24 Hours | Best Interest Rates Guaranteed