Loan Services | Ashima Financial Services
All Loan Services — Pan India

All Types of Loans at Your Doorstep

Home Loan, Car Loan, Education, Gold, Two Wheeler, Tractor, OD/CC, Micro Loan & More — Fast Approval, Expert Guidance, Zero Hidden Charges

Home LoanPersonal LoanBusiness Loan Car LoanEducation LoanGold Loan Two Wheeler LoanTractor LoanOD / CCMicro Loan
Loan Services

Home Loan

Make your dream home a reality with fast, hassle-free home loan services. We partner with all major banks and NBFCs to get you the best interest rates and maximum loan amount.

Salaried & Self-EmployedNew & Resale Property Balance TransferTop-Up Loan
Interest Rate
From 8.40% p.a.
Loan Amount
Up to ₹10 Crore
Tenure
Up to 30 Years
Approval
48–72 Hours
Partners
SBI, HDFC, ICICI, Axis
Documents
Minimal, doorstep pickup
Apply for Home Loan
Interest Rate Comparison
SBI Home Loan8.40%
HDFC Bank8.50%
ICICI Bank8.75%
Axis Bank8.90%
LIC Housing9.10%

*Rates are indicative and subject to eligibility

₹40LMax Loan
10.5%Starting Rate
Same DayDisbursal
60 MoMax Tenure
ZeroCollateral
MinimalDocuments
Loan Services

Personal Loan

Instant personal loans for medical emergencies, travel, wedding, home renovation or any personal need. No collateral required — quick disbursal directly to your account.

No CollateralInstant Approval Any PurposeSalaried & Self-Employed
Interest Rate
From 10.50% p.a.
Loan Amount
₹50,000 – ₹40 Lakh
Tenure
12 – 60 Months
Approval
Same Day
Partners
HDFC, Bajaj, Tata Capital
Security
No Collateral Required
Apply for Personal Loan
Loan Services

Business Loan

Fuel your business growth with tailored loan solutions. Whether you need working capital, equipment purchase or expansion — we have the right loan for you.

Working CapitalEquipment Finance Business ExpansionMSME Loans
Interest Rate
From 12% p.a.
Loan Amount
₹1 Lakh – ₹5 Crore
Tenure
12 – 84 Months
Approval
3–5 Working Days
Eligible
Proprietorship, Pvt Ltd, LLP
Collateral
Secured & Unsecured
Apply for Business Loan
Key Advantages
Fast Disbursement

Loan disbursed in 3–5 working days after approval

No Hidden Charges

Complete transparency in fees and processing charges

High Loan Limit

Get up to ₹5 Crore based on business turnover

Flexible Repayment

EMI options aligned with your business cash cycle

Multiple Lenders

Access to 20+ banks and NBFCs for best rates

Loan Coverage by Vehicle Type
New Car (On-Road)100%
Used Car (Market Value)85%
SUV / Luxury90%
Electric Vehicle95%
Starting Rate7.90%
Loan Services

Car Loan

Drive home your dream car — new or used — with affordable car loan options. Competitive rates, flexible EMIs and fast approval across all major car brands.

New CarUsed / Pre-owned Car All BrandsEV Loans Available
Interest Rate
From 7.90% p.a.
Loan Amount
Up to 100% On-Road Price
Tenure
12 – 84 Months
Approval
Within 24 Hours
Car Type
New & Used Both
Partners
HDFC, SBI, Kotak & more
Apply for Car Loan
Loan Services

Education Loan

Invest in your future without financial stress. Our education loans cover tuition, hostel, books and expenses for courses in India and abroad at competitive rates.

India & AbroadUG & PG Courses No Collateral up to ₹7.5LMoratorium Period
Interest Rate
From 8.15% p.a.
Loan Amount
Up to ₹1.5 Crore (Abroad)
Repayment
After Course + 6 Months
Covers
Fees, Hostel, Books, Laptop
Partners
SBI, Bank of Baroda, Axis
Security
No Collateral up to ₹7.5L
Apply for Education Loan
How to Apply
1
Submit Enquiry

Fill our form or call us with your course & college details

2
Free Consultation

Our expert guides you on the best bank & loan option

3
Submit Documents

Admission letter, mark sheets, ID proof & income docs

4
Loan Sanctioned

Approval within 7 days, funds disbursed to institution

7.5%Starting Rate
75%Gold Value
Same DayDisbursal
24 MoMax Tenure
18–24KGold Accepted
1 DocID Proof Only
Loan Services

Gold Loan

Unlock the value of your gold ornaments instantly. Get a gold loan with minimal documentation, same-day disbursal and your gold safely secured with our banking partners.

Instant DisbursalSafe Gold Storage Minimal DocumentsBullet Repayment
Interest Rate
From 7.50% p.a.
Loan Amount
Up to 75% of Gold Value
Tenure
3 – 24 Months
Approval
Same Day Disbursal
Gold Accepted
18–24 Karat Ornaments
Documents
Only ID Proof Required
Apply for Gold Loan
Loan Services

Two Wheeler Loan

Own your dream bike or scooter with our affordable two wheeler loan. Low EMIs, minimal down payment and approval within 24 hours for all major brands.

All BrandsLow Down Payment Fast ApprovalNew & Used
Interest Rate
From 9.70% p.a.
Loan Amount
Up to 90% of Vehicle Value
Tenure
12 – 48 Months
Approval
Within 24 Hours
Vehicle Type
Bike, Scooter, E-Bike
Partners
Bajaj, TVS Credit, HDFC
Apply for Two Wheeler Loan
Key Advantages
Low Down Payment

Start riding with as low as 10% down payment

24-Hour Approval

Fast processing — get your loan approved the same day

EV & Electric Scooters

Special rates available for electric two wheelers

Flexible EMI

Choose EMI tenure from 12 to 48 months as per budget

All Brands Covered

Hero, Honda, Bajaj, TVS, Royal Enfield & more

Tractor Loan Coverage
New Tractor90%
Used Tractor75%
Kisan Credit Card100%
Implements / Equipment80%
Starting Interest Rate9.00%
Loan Services

Tractor Loan

Empower your agricultural operations with our tractor loan. Specially designed for farmers — buy new or used tractor with crop-cycle aligned EMIs and easy repayment.

New & Used TractorAll Brands Crop-Cycle EMIKisan Credit Card
Interest Rate
From 9.00% p.a.
Loan Amount
Up to ₹25 Lakh
Tenure
Up to 7 Years
Approval
3–5 Working Days
Eligible
Farmers & Agri-Entrepreneurs
Partners
SBI, NABARD, Mahindra Fin.
Apply for Tractor Loan
Loan Services

Overdraft / CC Limit

Maintain smooth business cash flow with an OD or CC facility. Withdraw as needed and pay interest only on the amount used — ideal for businesses with fluctuating needs.

Pay Only on UsageRevolving Credit Business & TradeSecured & Unsecured
Interest Rate
From 10% p.a.
Credit Limit
₹1 Lakh – ₹5 Crore
Type
Revolving — Reuse Anytime
Approval
5–7 Working Days
Eligible
Businesses, Traders, MSMEs
Partners
SBI, HDFC, ICICI, Axis
Apply for OD / CC Limit
How OD / CC Works
1
Sanction Limit

Bank sanctions a maximum credit limit based on your business profile

2
Withdraw as Needed

Withdraw any amount up to your sanctioned limit anytime

3
Pay Interest Only

Interest charged only on amount used, not on full limit

4
Repay & Reuse

Repay anytime and reuse the limit — revolving credit facility

₹10KMin Loan
₹10LMax Loan
11%Starting Rate
2–3 DaysProcessing
ZeroCollateral
MudraYojana Covered
Loan Services

Micro Loan

Small loans with big impact. Designed for small business owners, self-employed individuals and first-time borrowers who need quick and affordable financing to grow.

Small Business OwnersNo Collateral PM Mudra YojanaFirst-Time Borrowers
Interest Rate
From 11% p.a.
Loan Amount
₹10,000 – ₹10 Lakh
Tenure
6 – 36 Months
Approval
2–3 Working Days
Eligible
Self-Employed, Shopkeepers
Security
No Collateral Required
Apply for Micro Loan

Apply for Any Loan — Get Approved Fast

Contact Himanshu Grover for a free consultation. Expert guidance, best interest rates, zero hidden charges — Pan India service.