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A Home Loan is a type of secured loan taken to purchase, construct, or renovate a residential property. The loan is secured against the same property being financed. A Mortgage Loan is a loan where you pledge an already owned residential/commercial property to raise funds for non-housing purposes, such as business, education, medical, or personal expenses.
Auto Loan for personal or official use you can adapt. This template mimics how banks or finance companies like Capital Small Finance might issue a monthly/periodic loan statement to borrowers. An Auto Loan is a type of secured loan used to purchase vehicles such as cars, bikes, scooters, or commercial vehicles. The loan is provided by banks, NBFCs, or vehicle finance companies, and the vehicle itself acts as collateral (security) until the loan is fully repaid. You repay the loan in monthly EMIs (Equated Monthly Installments) over a fixed tenure.
Education Loan (Student Loan). This is commonly used Capital Small Finance or others for personal or institutional education loan tracking. Education Loans, also called Student Loans, are financial products offered by banks and other institutions to help students pay for tuition, living expenses, books, and other educational costs related to higher studies—in India or abroad. These loans enable students to pursue academic or professional education even if they don’t have immediate financial resources.
A business loan is a loan offered to businesses to finance operations, expansion, working capital, equipment purchase, inventory, or any other business activity. It is repayable over time (usually in monthly installments), with interest. A Business Loan is a type of financing provided to individuals, entrepreneurs, startups, or established companies to help them start, run, or grow their business. It provides working capital, funds for equipment, expansion, hiring, stock, or infrastructure needs. These loans can be secured (with collateral) or unsecured (without collateral) depending on the lender, loan size, and borrower profile.
A secured loan is a type of loan where the borrower pledges an asset (like property, vehicle, or gold) as collateral/security to the lender. This reduces the lender’s risk, which usually results in lower interest rates and higher loan amounts. A secured loan is a type of loan that is backed by collateral—something valuable (like property, a vehicle, or fixed deposit) that the borrower offers to the lender as a security in case they fail to repay the loan. Because the lender has a claim over the collateral, secured loans usually come with lower interest rates, higher loan amounts, and longer repayment periods than unsecured loans.
A personal loan is an unsecured loan provided by banks, NBFCs, or fintech platforms to individuals for personal use—such as medical expenses, travel, education, weddings, home renovation, or even debt consolidation. It does not require any collateral and is approved mainly based on the borrower’s income, credit score, and repayment history.
Government-sponsored loans are financial schemes provided by the government, either directly or through banks, NBFCs, or special financial institutions, to help individuals, small businesses, farmers, students, women, and entrepreneurs. These loans often offer low interest rates, subsidies, or credit guarantees, and are part of government efforts to promote financial inclusion, employment, and economic development.
Agricultural and Rural Loans are specialized credit facilities provided to farmers, rural individuals, and small agribusinesses to help them meet farming and rural development needs. These loans support everything from crop cultivation, dairy farming, and equipment purchase to building infrastructure in rural areas. They are offered by banks, cooperative societies, microfinance institutions, and through government-sponsored schemes at low or subsidized interest rates.
Construction & Infrastructure Loans are long-term loans provided to individuals, builders, contractors, or companies for building residential, commercial, or infrastructure projects such as roads, bridges, warehouses, factories, and public utilities. These loans play a vital role in economic development, as they support large-scale construction and real estate activities that require substantial capital.