Banking & Utility Services – Harsh Finance | Viramgam
Banking & Utility

Accounts, Cards, Insurance & Everyday Services

From opening a bank account to getting credit cards, insurance, investments, and bill payments — Harsh Finance handles all your banking and utility needs under one roof.

Banking &
Utility
One Stop Solution

Insurance Services

Protect yourself, your family, and your assets with the right insurance cover

Two Wheeler Insurance

BIKE / SCOOTER

Comprehensive or third-party cover for your two-wheeler at best premiums.

  • Comprehensive & Third-Party
  • Own Damage Cover
  • Cashless Garage Network
  • Instant Policy Issuance

Health Insurance

MEDICAL

Individual, family floater, or senior citizen health insurance plans.

  • Family Floater Options
  • Cashless Hospitalization
  • No Claim Bonus Protection
  • Pre & Post Hospitalization

Life Insurance

TERM / ENDOWMENT

Term plans, endowment, ULIP — secure your family's financial future.

  • Term Insurance (Pure Protection)
  • Endowment Plans
  • ULIP Investment Plans
  • Maturity & Death Benefits

Travel Insurance

DOMESTIC / INTERNATIONAL

Cover for trips — medical emergencies, lost baggage, trip cancellation.

  • International & Domestic
  • Medical Emergency Cover
  • Baggage Loss Cover
  • Single & Multi-Trip Options

Shop / Business Insurance

COMMERCIAL

Protect your shop, office, or business premises from fire, theft, and liability.

  • Fire & Burglary Cover
  • Stock & Contents Insurance
  • Public Liability Cover
  • Business Interruption Cover

Tractor / Commercial Insurance

VEHICLE

Insurance for tractors, trucks, tempos, and commercial vehicles.

  • Comprehensive Cover
  • Goods-in-Transit Cover
  • Third-Party Liability
  • Quick Claim Settlement

Home / Property Insurance

HOUSE

Protect your home and belongings from fire, flood, earthquake, and theft.

  • Fire & Flood Cover
  • Earthquake Cover
  • Contents & Valuables
  • Tenant & Owner Both
Credit Cards

Premium Credit Cards

We help you get credit cards from top banks — based on your income and CIBIL score. Compare and choose the best card.

SBI Credit Card

SimplyCLICK, BPCL, Cashback — multiple variants.

  • Reward Points
  • Fuel Surcharge Waiver
  • Annual Fee Waiver

HDFC Credit Card

Regalia, Swiggy, Tata Neu — premium options.

  • Airport Lounge Access
  • Dining Offers
  • Milestone Rewards

ICICI Credit Card

Amazon, Coral, Sapphiro — best in class.

  • Amazon Pay Cashback
  • Paytm Offers
  • Low Interest EMI

Axis Credit Card

Ace, Flipkart, My Zone — value cards.

  • Flipkart Vouchers
  • 5X Reward Points
  • Dining Discounts

BOB Credit Card

Baroda cards with EMI and reward benefits.

  • Low Interest Rate
  • Reward Points
  • Fuel Surcharge Waiver

Canara Credit Card

Government bank cards with simple eligibility.

  • Easy Eligibility
  • Low Annual Fee
  • Secure Transactions

PNB Credit Card

Punjab National Bank credit cards.

  • Public Sector Benefits
  • Reward Points
  • Wide Acceptance

Other Bank Cards

Kotak, IndusInd, AU, OneCard & more.

  • Multiple Options
  • We Compare for You
  • Best Match Card

Bank Account Services

Open savings, current, salary, or zero-balance accounts — we handle the complete process

Current Account

BUSINESS

Business current account for daily transactions, payments, and receivables.

  • Unlimited Transactions
  • Overdraft Facility
  • Cheque Book
  • Business Debit Card

Salary Account

SALARY

Zero-balance salary accounts with special benefits for employees.

  • Zero Balance
  • Personal Loan Pre-Approved
  • Insurance Cover
  • Free DD / NEFT

Zero Balance Account

JAN DHAN / BASIC

Jan Dhan Yojana or basic savings account — no minimum balance required.

  • No Minimum Balance
  • RuPay Debit Card
  • Accident Insurance Cover
  • Overdraft up to ₹10,000

Investment Services

Grow your wealth with mutual funds, fixed deposits, PPF, and smart investment options

Fixed Deposit (FD)

FD

Safe and guaranteed returns with bank fixed deposits at best interest rates.

  • All Major Banks & NBFCs
  • Flexible Tenure (7 Days – 10 Years)
  • Cumulative & Non-Cumulative
  • Senior Citizen Higher Rate

Recurring Deposit (RD)

RD

Small monthly savings with guaranteed returns — build a habit of saving.

  • Start from ₹500/month
  • Fixed Interest Rate
  • Flexible Tenure (6M – 10Y)
  • Loan Against RD Available

PPF Account

TAX SAVING

Public Provident Fund — tax-saving investment with government guarantee.

  • Tax Benefit u/s 80C
  • 7.1% Interest (Govt. Rate)
  • 15 Year Lock-in
  • Loan & Withdrawal Facility

NPS (National Pension)

RETIREMENT

Government-backed retirement savings scheme with tax benefits.

  • Tax Benefit u/s 80CCD
  • Equity & Debt Mix
  • Employer Contribution
  • Regular Pension After 60

Post Office Schemes

GOVT SCHEMES

KVP, NSC, SCSS, MSS — safe government-backed small savings schemes.

  • Kisan Vikas Patra
  • National Savings Certificate
  • Senior Citizen Scheme
  • Monthly Income Scheme

CIBIL & Credit Score Services

Check, improve, and manage your credit score across all major bureaus in India

Experian Score

EXPERIAN

Check your Experian credit score and report for loan eligibility.

  • Experian Credit Report
  • Score Analysis
  • Factor Breakdown
  • Improvement Guidance

Equifax Score

EQUIFAX

Comprehensive Equifax credit assessment and score check.

  • Equifax Credit Report
  • Dispute Filing
  • Score Monitoring
  • Account Health Check

CRIF High Mark

CRIF

Microfinance and retail credit profiling for better loan approvals.

  • Microfinance Credit Profile
  • Retail Credit Score
  • Dispute Resolution
  • Report Correction

Demat & Trading Account

Open demat and trading accounts to invest in shares, IPOs, and securities

IPO Application

IPO

Apply for upcoming IPOs through ASBA with our assistance.

  • Latest IPO Updates
  • ASBA Application Help
  • Bid Amount Guidance
  • Allotment Tracking

Shares & Securities

EQUITY

Buy/sell shares, bonds, ETFs, and government securities through trading account.

  • Equity & Derivatives
  • Bonds & Debentures
  • ETF & Index Funds
  • Sovereign Gold Bonds

Utility & Bill Payment Services

Hassle-free payment solutions for your everyday needs — all from one place

Electricity Bill

ALL BOARDS

Pay electricity bills for all state and private electricity boards.

  • All DISCOMs Covered
  • Instant Confirmation
  • Receipt Download

Mobile Recharge

PREPAID / POSTPAID

Recharge all mobile operators — Jio, Airtel, Vi, BSNL and more.

  • All Operators
  • Prepaid & Postpaid
  • Plan Comparison

DTH Recharge

TATA PLAY / AIRTEL

Recharge your DTH connection — Tata Play, Airtel, Dish TV, Sun Direct.

  • All DTH Providers
  • Pack Selection Help
  • Instant Activation

Broadband / Gas Bill

INTERNET / LPG

Pay broadband, landline, and LPG gas cylinder bills.

  • JioFiber / BSNL / Airtel
  • HP / Indane / Bharat Gas
  • Instant Receipt
Our Process

How We Work

1
Tell Us Your Requirement

Call or WhatsApp — whether you need a credit card, insurance, account opening, or investment help.

2
We Find the Best Option

We compare across banks and providers to find the best match for your profile and needs.

3
Document Collection

We share a precise checklist. Submit documents via WhatsApp, email, or in person.

4
Service Delivered

Account opened, card delivered, insurance issued, or investment done — confirmed to you.

GET STARTED TODAY

Need Banking or
Utility Help?

From opening an account to getting a credit card or paying bills — Harsh Finance is your one-stop solution.

Harsh Finance

Parmar Hashmukh Jagadishbhai

Visit Us

Road Shop 16, Viramgam Sevasadan Road

9574746825

Mon–Sat, 9 AM – 7 PM

Online Support
harshfinance.online