All Loan Types Under One Roof

HimGiri FinGroup helps you choose from multiple loan categories based on income, profile and requirement — with clear explanation of EMIs, tenure and documentation.

 

Personal Loan (PL)

SalariedSelected Self-Employed

Unsecured loans for personal needs such as medical expenses, weddings, travel, education gap or other planned requirements.

  • Quick processing with minimal documentation.
  • Fixed EMI with flexible tenure options.
 

Business Loan (BL)

TradersManufacturersProfessionals

Funding for business expansion, working capital, machinery, stock purchase and day-to-day operations.

  • Term loan, CC/OD limits as per profile.
  • File preparation with financials & banking.
 

Home Loan (HL)

PurchaseConstructionExtension

Loans for purchase of new/ready/under-construction property or home construction/improvement.

  • Property document checklist & basic guidance.
  • Options for salaried & self-employed profiles.
 

Loan Against Property (LAP)

Residential / Commercial

Secured loan by mortgaging residential or commercial property for business or personal use, without selling it.

  • Higher ticket size based on property value.
  • Useful for consolidation, expansion & big needs.
 

Car Loan (New & Used)

New CarUsed CarCommercial Vehicle

Loans for new and pre-owned cars, SUVs and selected commercial vehicles with structured EMIs.

  • On-road cost based funding for new vehicles.
  • Support for used car valuation & documentation.
 

Micro & Small Ticket Loans

Small BusinessSelf-Employed

Smaller ticket loans for shopkeepers, vendors and micro enterprises to manage inventory, rent or small expansions.

  • Suitable for lower turnover with regular banking.
  • Guidance on scheme-based and normal products.
 

Government Scheme Linked Loans*

MudraPMEGPOther Schemes

Support in understanding and applying for eligible scheme-linked loans through banks and concerned agencies.

  • Basic eligibility & documentation guidance.
  • Project profile & file preparation support.

*Sanction/approval is at the sole discretion of respective banks/authorities as per their policies.

 

Top-up & Balance Transfer

Existing Borrowers

Review of existing loans for possible top-up or balance transfer options where suitable.

  • Checking present EMI, tenure and rate.
  • Explaining impact of transfer/top-up on total cost.

Loan Details by Category

Short summary to understand which loan suits which type of requirement. Final product and eligibility depend on lender policies.

Personal Loan (PL)

Unsecured loan based mainly on income, stability, employer category and credit score — no collateral required.

  • Suitable for: Salaried individuals with regular salary in bank and good repayment track.
  • Uses: Wedding, medical, travel, education gap, debt consolidation etc.
  • Docs (typical): KYC, last 3–6 month salary slips & bank statement, Form 16 or ITR.

Business Loan (BL)

Term loan or working capital for existing businesses based on sales, profit, banking and vintage.

  • Suitable for: Shopkeepers, traders, manufacturers, service providers, professionals.
  • Uses: Stock, machinery, renovation, new branch, bulk purchase etc.
  • Docs (typical): KYC, business proof, GST/ITR, bank statements, basic financials.

Home Loan (HL)

Housing finance for purchase, construction or improvement — usually with longer tenure and structured EMIs.

  • Suitable for: Salaried & self-employed looking to buy or construct residential property.
  • Key Points: Property legal/technical checks are done by lender/agency.
  • Docs (typical): Income docs + property papers (agreement, chain, map, NOC etc.).

Loan Against Property (LAP)

Loan taken by mortgaging a fully/partly clear property while ownership remains with the borrower.

  • Suitable for: Large business needs, consolidation of multiple loans, high-ticket personal needs.
  • Key Points: Eligibility depends on both income and property value/profile.
  • Docs (typical): KYC, income docs, complete property documents & existing loan details (if any).

Car / Vehicle Loans (New & Used)

Loans to buy new cars, used cars and in some cases commercial vehicles, with hypothecation to lender.

  • New vehicle: Funding up to a percentage of on-road price, depending on profile.
  • Used vehicle: Based on age, model, condition and valuation of vehicle.
  • Docs (typical): KYC, income docs, vehicle quotation or RC/transfer papers.

Micro & Small Ticket Loans

Smaller loans for micro-entrepreneurs and small businesses where requirement and turnover are limited.

  • Suitable for: Kirana shops, small vendors, tiny manufacturing/service units.
  • Key Points: Bank statement behaviour and local profile are important.
  • Docs (typical): KYC, business proof, banking, basic income declaration etc.

Government Scheme Linked Loans

Loans supported or guided by government schemes like Mudra/PMEGP etc., processed through banks & concerned offices.

  • Suitable for: Eligible micro & small units as per scheme norms.
  • Support: Understanding scheme basics, preparing proposals & documentation.
  • Note: Final eligibility, subsidy and sanction are as per official guidelines.

Basic Eligibility & Document Snapshot

Details vary from lender to lender — below points are just a general direction. Exact requirement will be confirmed during discussion and file preparation.

Salaried Individuals

Regular salary credit in bank, stable job and acceptable credit score are key. Personal, home and car loans are common for this profile.

  • Salary slips & bank statement.
  • Form 16 / ITR (where needed).

Self-Employed & Business

Business vintage, turnover, profit and banking behaviour matter for business loan, LAP and vehicle finance.

  • GST/ITR & financials.
  • Business proof & bank statements.

Professionals

Doctors, CAs, consultants etc. may have special products / limits depending on lender policies and income pattern.

  • Qualification & registration proof.
  • Professional income documentation.

Others / Co-applicants

In many loans, adding eligible family members as co-applicants can help improve overall eligibility and comfort for lenders.

  • KYC & income of co-applicant.
  • Relationship proof where required.

Simple 4 Step Loan Process

So that you always know what will happen next — from first call to final disbursement / approval.

1
Requirement Discussion

You share income, existing loans and purpose. We suggest possible loan types and rough eligibility direction.

2
Document Checklist

Clear list of documents is given. We help you arrange and check them as per chosen product/lender.

3
File Preparation & Login

Forms are filled, file is prepared and logged-in with bank/NBFC. Follow-ups done as per process.

4
Approval & Disbursement

Once approved, loan agreement & conditions are explained and disbursement steps are coordinated.

Disclaimer: All loan approvals, interest rates, charges and final terms are at the sole discretion of respective banks/NBFCs based on their policies and assessment.

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HimGiri FinGroup

Registered Address:
VPO Baijnath, Distt. Kangra
Himachal Pradesh, India

Branches: Paprola • Bhuntar • Kangra • Chandigarh • Noida • Delhi

Phone: 8076520212
Email: raganusood1@gmail.com

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