Complete Loan Solutions

Fulfill Every Dream With Right Financing

From personal needs to business expansion, vehicle purchase to government schemes — Harsh Finance offers 15+ loan types with fastest processing and lowest interest rates in Viramgam.

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15+ Loan
Options

Under One Roof

Personal & Individual Loans

Quick funds for your personal milestones — no collateral required

Personal Loan

UNSECURED

Instant unsecured funds for medical emergencies, weddings, travel, or debt consolidation.

₹50K–₹40L 10.5%–18% 5 Years

No Collateral Required
Approval in 24-48 Hours

Gold Loan

INSTANT

Unlock the value of your gold jewellery instantly with high per-gram rates.

₹10K–₹50L 9%–14% 30 Min

30-Minute Disbursal
No CIBIL Required

Education Loan

STUDENT

Fund higher education in India or abroad with repayment after course completion.

Up to ₹75L 9%–13% India & Abroad

Repayment After Study
Tax Benefit u/s 80E

Property & Housing Loans

Make your dream home a reality with long-tenure, low-interest financing

Home Loan

LONG TENURE

Fulfill your dream of owning a home with low-interest, long-tenure housing loans and PMAY subsidy support.

₹5L–₹5Cr 8.5%–11% 30 Years PMAY

Up to 90% Property Value
PMAY Subsidy Available
Tax Benefit u/s 24 & 80C

Loan Against Property

HIGH VALUE

Leverage your residential or commercial property to get high-value loans at low interest rates.

₹5L–₹5Cr 9%–13% 15 Years LAP

Residential & Commercial Property
Up to 70% LTV
Lower Than Personal Loan Rate

Business & Commercial Loans

Scale your enterprise with customized corporate finance solutions

Business Loan

UNSECURED

Unsecured business loans for working capital, expansion, or purchasing inventory.

₹1L–₹75L 12%–22% 4 Years

No Security Required
Approval in 3-5 Days

OD / CC Facility

REVOLVING

Overdraft and Cash Credit limits for smooth day-to-day business cash flows.

₹1L–₹5Cr 10%–16% Annual

Pay Interest Only on Usage
Revolving Credit Facility

MSME Loan

CGTMSE

Collateral-free loans for registered MSMEs under CGTMSE guarantee scheme.

Up to ₹2Cr 10%–16% No Collateral

Up to ₹2 Crore
CGTMSE Guarantee Cover

Micro Loan

SMALL TICKET

Small loans for street vendors, shops, and artisans with easy daily/weekly EMI.

₹5K–₹5L 18%–26% Daily/Weekly

No CIBIL Required
Minimum Paperwork

Professional Loan

DOCTORS/CA

For doctors, CAs, lawyers to upgrade practice or equipment.

₹1L–₹50L 10%–16% 5 Years

No Collateral
Quick Turnaround

Equipment Finance

ASSET BACKED

Finance machinery and equipment for manufacturing or service business.

₹1L–₹5Cr 10%–15% 7 Years

Up to 90% Asset Value
Tax Depreciation Benefit

Vehicle & Auto Loans

Drive home your dream vehicle with easy EMIs and fast processing

New Car Loan

Finance up to 100% of on-road price for brand new cars.

100% Funding 8.5%–12%

Up to 7 Years
Showroom Tie-ups

Used Car Loan

Reliable financing for pre-owned cars with fair valuation.

80% Value 11%–16%

Up to 10 Yr Old Cars
RC Transfer Help

Two Wheeler Loan

Easy EMIs for bikes and scooters with instant spot approvals.

Up to ₹3L 10%–16%

Low Down Payment
Same Day Delivery

Tractor Loan

Specialized financing for farmers to buy tractors and equipment.

Up to ₹25L 9%–13%

Seasonal Repayment
Subsidy Guidance

Sarkari Yojna

Government Scheme Loans

Subsidized loans under central and state government schemes for employment and rural development. We handle complete documentation and bank coordination.

PM Mudra Loan

Shishu (₹50K), Kishore (₹5L), Tarun (₹10L) — for all non-farm small businesses.

Up to ₹10 Lakh • No Collateral

PMEGP Scheme

Subsidized loans for setting up new manufacturing or service units under PMEGP.

Up to ₹50L • 15-35% Subsidy

Stand-Up India

For SC/ST entrepreneurs and women borrowers for greenfield enterprises.

₹10L–₹1Cr • SC/ST/Women

KCC – Kisan Credit Card

Revolving credit for farmers for crop cultivation, seeds, fertilizers, and more.

Based on Land • 4-7% Subsidized

Other Loan Services

Additional specialized loan products for unique requirements

PMAY Housing

Pradhan Mantri Awas Yojana subsidy for affordable housing.

Up to ₹2.67L Subsidy

Kisan Loan

Crop loans and agricultural finance for farmers at subsidized rates.

4-7% Interest

Startup India

Funding support for startups recognized under Startup India initiative.

DPIIT Recognized

Custom Loan

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