Loans - Simple. Fast. Flexible.
Personal Loan
Home Loan
Vehicle Loan
Business Loan
Loan Against Property (LAP)
Education Loan
Loan Against Securities / Short-Term Loans
SME/MSME Loan
Plot Loan
Project Loan
Loans - Simple. Fast. Flexible.
Get the financial support you need with our wide range of loan solutions. Whether you're planning to buy a home, expand your business, purchase a vehicle, or meet personal goals, we offer customized loan options with competitive interest rates and quick processing.
- Attractive Interest Rates
- Flexible Repayment Options
- Minimal Documentation
- Fast Approvals
- Transparent Charges
Personal Loan
Meet your immediate financial needs without pledging any collateral.
Whether it's a wedding, travel, medical emergency, or home renovation - our Personal Loan gives you quick access to funds.
Features & Benefits:
- No collateral required
- Quick approval & disbursal
- Flexible tenure options
- Simple documentation
- Competitive interest rates
Loan Amount: As per eligibility
Tenure: Flexible repayment options available
Personal Loan
At Kiama Assets, we understand that a home loan is not just a financial transaction. It is much more than that. It is a warm little corner of the world that is yours, tailored to your tastes and needs. It is the place where you celebrate the joys, deal with the sorrows, and enjoy the journey called life. There is no place like home, and with Kaima Assets Home Loans, you can gather hopes, achieve your dreams, and create memories in your own space.
Turn your dream home into reality with our affordable Home Loan solutions.
We Offer:
- Home Purchase Loan
- Construction Loan
- Plot + Construction Loan
- Home Renovation Loan
- Balance Transfer Facility
Why Choose Us?
- Attractive ROI
- Long repayment tenure
- Pre-approval facility
- Doorstep documentation support
Home Loan Interest Rates
All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 5.50%
Special Housing Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals)
| Loan Slab | Interest Rates (% p.a.) |
|---|---|
| For All Loans* | Policy Repo Rate + 2.40% to 7.70%= 7.90% to 13.20% |
*The above Home Loan interest rates/ EMI are applicable for loans under the Adjustable Rate Home Loan Scheme (Floating Interest Rate) of different banks and NBFC and are subject to change at the time of disbursement. The Home Loan interest rates may be linked to Bank's Repo Rate or internal benchmark rate depending upon bank/NBFC and are variable through out the tenor of the loan. All loans are at the sole discretion of Bank/NBFC.
Documents for Home Loan
For home loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed Loan application form.
| A | Sr.No. | Mandatory Documents |
|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) |
| A | Sr.No. | Description of Officially Valid Documents (OVD) that can be accepted for establishing the legal name & current address of Individuals*[Any one of the following documents can be submitted] | Identity Proof | Address Proof |
|---|---|---|---|---|
| 1 | Passport, the validity of which has not expired. | |||
| 2 | Driving license which has not expired. | |||
| 3 | Election /Voters identification card | |||
| 4 | Job card issued by NREGA duly signed by the officer of the State Government | |||
| 5 | Letter issued by the National Population Register containing details of name, address. | |||
| 6 | Proof of possession of Aadhaar Number (to be obtained voluntarily) |
A document mentioned above shall be deemed to be an OVD even if there is a change in the name subsequent to issuance provided it is supported by a marriage certificate issued by State Government or Gazette notification, indicating such a change of name.
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Last 3 months' Salary Slips | |||
| Last 6 months' Bank Statements, showing salary credits | |||
| Latest Form-16 and IT returns | |||
| Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA) | |||
| At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA) | |||
| Last 12 months' Current A/c Statements of the business entity and Savings Account Statements of the individual |
For Purchase of a New Home
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Copy of the Allotment Letter / Buyer Agreement | |||
| Receipt/(s) of payment/(s) made to the developer |
For Purchase of a Resale Home
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Title Deeds including previous chain of the property documents | |||
| Receipt/(s) of initial payment/(s) made to the seller | |||
| Copy of the agreement to sell (if already executed) |
For Constructing a Home on a N.A. Plot
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Title Deeds of the Plot | |||
| Proof of no encumbrances on the property | |||
| Copy of the plans, approved by the Local Authorities | |||
| Construction estimate by an Architect / Civil engineer |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Own Contribution Proof | |||
| Employment Contract / Appointment Letter in case current employment is less than year old | |||
| Last 6 months' Bank Statements showing repayment of any ongoing loans | |||
| Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. | |||
| Cheque for processing fee favouring HDFC Bank | |||
| Business Profile | |||
| Latest Form 26 AS | |||
| List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company | |||
| Memorandum and Articles of Association of the Company | |||
| Partnership deed in case of the business entity being a partnership firm | |||
| Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc. |
*All documents to be self-attested. The above list is indicative in nature and additional documents can be asked for.
Vehicle Loan
Drive home your dream vehicle with easy financing.
Available Options:
- New Car Loan
- Used Car Loan
- Two-Wheeler Loan
Key Highlights:
- Up to high on-road funding
- Flexible EMI options
- Quick processing
- Easy documentation
Business Loan
Grow your business with hassle-free funding.
Ideal for working capital, expansion, machinery purchase, inventory funding, and more.
Features:
- Collateral-free options available
- Flexible repayment structure
- Overdraft facility available
- Quick credit assessment
Loan Against Property (LAP)
Avail Loan Against Property (LAP) for your personal or business needs. Both residential and commercial properties can be mortgaged for availing a loan against property. We provide a smooth & hassle-free LAP to both salaried and self-employed individuals. Loan Against Property is a simple solution to your financial needs.
Unlock the value of your property to meet your financial needs.
Suitable for business expansion, debt consolidation, education, or personal requirements.
Benefits:
- High loan eligibility
- Attractive interest rates
- Longer tenure
- Flexible repayment options
- Duly filled Application Form with Photograph
- Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
- Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
- Education Qualifications - Latest Degree
- Latest Salary-slips for 3 months
- Form 16 for last 2 years
- Last 6 months Bank Statements(salary account)
- Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.'
- Photocopy of Title Documents of the Property, Approved Plan
- Duly filled Application Form with Photograph
- Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
- Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
- Education Qualifications - Latest Degree (for professionals)
- Certificate & Proof of business existence along with Business Profile
- Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant
- Last 12 months Bank Account Statements (self & business)
- Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.
- Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.
Education Loan
Support your academic aspirations with financial assistance for higher education.
Covers:
- Tuition Fees
- Accommodation Expenses
- Books & Equipment
- Other Academic Costs
Flexible repayment options available post course completion.
Loan Against Securities / Short-Term Loans
Get liquidity without selling your investments.
- Loan against FD
- Loan against Shares/Mutual Funds
- Short-term funding solutions
Why Choose Us?
- Trusted Financial Partner
- Transparent Loan Process
- Dedicated Relationship Support
- Fast Turnaround Time
- Customized Financial Solutions
SME/MSME Loan
CHOOSE THE RIGHT BANKING PARTNER TO ACCELERATE YOUR BUSINESS GROWTH WITH US.
Grow and achieve great success for your business with our comprehensive suite of transactional solutions, financing options and strategic partnerships.
- Working Capital
- Term Loan
- Project funding
- CGTME Loan
Working Capital Financing
Improve your business cash flow with our working capital financing to meet your company’s short term operational needs and keep your business moving.
Property Financing
Acquire business premises and access to working capital to grow your business with our property financing solutions.
Renewable Energy Financing
Start generating solar energy to enjoy savings on your business utility bill and make a positive impact on the environment together with our financing solution.
SME & Business Loans
Empower Your Enterprise
Grow your business with smart financial support tailored for Small and Medium Enterprises (SMEs). From working capital needs to equipment financing, we enable efficient cash flow, expansion, and operational success with flexible financing solutions and simple processes.
Why choose our SME Loan solutions?
- Competitive interest rates
- Flexible repayment options
- Collateral-free options on eligible cases
- Fast digital processing
- Tailored for Micro, Small & Medium Enterprises
What is an SME Loan?
An SME Loan is designed to meet the financial needs of micro, small, and medium enterprises — whether you’re managing daily operations, expanding capacity, or purchasing assets. Our SME loans support business growth with flexible terms and quick approvals.
Types of SME Loan Solutions
Working Capital Loans
Finance your business’s short-term needs such as inventory, payroll, or supplier payments.
Key Features
- Competitive interest rates
- Loans aligned with cash-flow cycles
- Flexible repayment tenures
- Can be collateral-free (based on bank assessment)
Benefits
- Improves purchasing power
- Smoothes cashflow cycles
- Access funds when you need them most
Machinery Loan
A unique buy-now-pay-later solution for equipment and asset purchases.
Highlights
- Unsecured loans up to ₹50 lakh
- Flexible tenure from 6 to 36 months
- No cost EMI options available
- Tax & depreciation benefits for business expenses
Ideal for
Office infrastructure, machinery, electronics, security systems, and more. 
Overdraft & OD Facilities
Flexible limits linked to your business account for daily finance structure.
Benefits
- Pay interest only on utilised amounts
- Helps with cyclical cashflow needs
- Suitable for retailers, traders, and service providers
Xpress GST & Term Loans
Quick funds based on your GST filing or a defined term for business growth and fixed asset purchases.
Benefits
- Fast access to funds
- Helps manage tax cycles
- Supports long-term investments
Benefits of SME Loans
- Essential working capital support
- Finance equipment & asset purchases
- Facilitate business expansion
- Improves credit history for future lending
Key Features
- Tailored loan amounts based on your business needs
- Flexible repayment tenure
- Competitive interest structure
- Quick digital application & tracking
- Dedicated relationship support
Eligibility & Requirements
Note: Specific documents and eligibility criteria vary by product.
Typical Criteria
- Registered micro, small or medium enterprise
- GST/financial filings and business proofs
- Financial statements & bank records
- Collateral criteria may apply for larger facilities
Need help with eligibility?
Frequently Asked Questions
What is an SME Loan?
An SME Loan is tailored business financing for operational and growth needs.
How can SME loans be used?
Working capital, equipment purchase, cash flow structure, and expansion capital.
Is collateral required?
Collateral may not be necessary up to certain limits; larger loans might require security.
Ready to Grow Your Business?
Get expert support and a customised SME loan plan today.
Plot Loan
Avail Loan Against Property (LAP) for your personal or business needs. Both residential and commercial properties can be mortgaged for availing a loan against property. We provide a smooth & hassle-free LAP to both salaried and self-employed individuals. Loan Against Property is a simple solution to your financial needs.
Project Loan
CHOOSE THE RIGHT BANKING PARTNER TO ACCELERATE YOUR BUSINESS GROWTH WITH US.
Grow and achieve great success for your business with our comprehensive suite of transactional solutions, financing options and strategic partnerships.
Term Loan Financing
A Project Term Loan is a long-term financing option designed to fund large-scale projects, typically in infrastructure, industry, or services. These loans are structured to be repaid over an extended period, often ranging from 5 to 10 years, through scheduled installments.
Project Term Loans are commonly used for power projects, infrastructure development, and modernization efforts. If you're considering one, it's essential to evaluate repayment terms, interest rates, and security requirements.
Working Capital Financing
Improve your business cash flow with our working capital financing to meet your company's short term operational needs and keep your business moving.
Property Financing
Acquire business premises and access to working capital to grow your business with our property financing solutions.
Renewable Energy Financing
Start generating solar energy to enjoy savings on your business utility bill and make a positive impact on the environment together with our financing solution.
