All Types of Loans - Earth Growth Financial Services

All Types of Loans Available

Discover our comprehensive range of loan products designed to meet every financial need. From personal emergencies to business expansion, from dream homes to quality education - we have the perfect financing solution for you with competitive rates, flexible terms, and hassle-free processing. Our expert team ensures quick approvals and transparent processes.

Your Trusted Financial Partner

At Earth Growth Financial Services, we understand that everyone has unique financial needs and dreams. Whether you're planning to buy your first home, expand your business, pursue higher education, or handle unexpected expenses, our diverse range of loan products is designed to provide you with the financial support you need.

With over 15 years of experience in the financial services industry, we have successfully helped thousands of individuals and businesses achieve their goals through our transparent, efficient, and customer-centric approach to lending. Our commitment extends beyond just providing loans - we offer comprehensive financial guidance and support.

25,000+

Happy Customers

Across India

₹750 Cr+

Loans Disbursed

Till Date

99.5%

Approval Rate

For Eligible Candidates

18 Hours

Average Processing

Quick Approval

75+

Cities Covered

Pan India

18 Years

Experience

In Financial Services

Simple 6-Step Loan Application Process

Get your loan approved in just 6 easy steps with minimal documentation

1
Choose Your Loan

Select from our wide range of loan products that best suits your financial needs and requirements.

2
Online Application

Fill our simple online application form with your basic personal and financial information.

3
Document Submission

Upload required documents digitally through our secure online portal or visit our office.

4
Verification Process

Our team verifies your documents and conducts necessary checks including credit assessment.

5
Loan Approval

Receive instant approval notification with detailed loan terms and conditions via email/SMS.

6
Fund Disbursal

Get loan amount credited directly to your bank account within hours of approval.

Explore Our Loan Categories

Choose from our comprehensive range of loan products designed for every need

Personal Loan

Unsecured loans for personal needs, emergencies, medical expenses, wedding, travel, home renovation, and lifestyle requirements with quick approval and flexible repayment options.

₹25,000 - ₹50 Lakhs
✓ No Collateral Required ✓ 24-48 Hour Processing ✓ Flexible EMI Options

Business Loan

Financing solutions for business expansion, working capital requirements, equipment purchase, inventory management, and commercial real estate with competitive interest rates.

₹1 Lakh - ₹10 Crores
✓ Working Capital Support ✓ Equipment Financing ✓ Business Advisory

Home Loan

Loans for purchasing, constructing, or renovating homes with attractive interest rates, long repayment tenure, and significant tax benefits under Section 80C and 24B.

₹5 Lakhs - ₹5 Crores
✓ Up to 90% Property Value ✓ Tax Benefits Available ✓ Long Tenure Options

MUDRA Loan

Government-backed loans under Pradhan Mantri MUDRA Yojana for micro and small enterprises. Three categories: Shishu (up to ₹50K), Kishor (₹50K-₹5L), and Tarun (₹5L-₹10L).

₹50,000 - ₹10 Lakhs
✓ No Collateral Required ✓ Government Subsidy ✓ Low Interest Rates

MSME Loan

Specialized loans for Micro, Small & Medium Enterprises under government schemes with credit guarantee coverage, priority sector benefits, and subsidized interest rates.

₹10 Lakhs - ₹2 Crores
✓ Credit Guarantee Scheme ✓ Priority Sector Benefits ✓ Skill Development Support

PMEGP Loan

Prime Minister's Employment Generation Programme loans for setting up new enterprises in manufacturing and service sectors with government subsidy and training support.

₹10 Lakhs - ₹25 Lakhs
✓ 15-35% Subsidy Available ✓ Training & Guidance ✓ New Enterprise Support

Detailed Loan Products

Comprehensive information about each loan type with features, benefits, and eligibility

Personal Loan

Your financial freedom, simplified

Personal loans are versatile financial tools that help you meet various personal expenses without collateral. Perfect for medical emergencies, wedding expenses, home renovation, debt consolidation, education fees, travel, or any personal financial requirement with competitive interest rates and flexible repayment terms.

10.50% - 24% Interest Rate
1 - 7 Years Tenure
24-48 Hours Processing
Loan Amount: ₹25,000 - ₹50 Lakhs
*Based on income and credit profile
Key Features:
  • No collateral or guarantor required
  • Minimal documentation and quick approval
  • Flexible EMI options and prepayment facility
  • Online application and instant approval
APPLY NOW

Business Loan

Fuel your entrepreneurial journey

Business loans provide essential capital for entrepreneurs and established businesses to expand operations, purchase equipment, manage working capital, or meet other business-related expenses. Tailored solutions for businesses across various industries with dedicated relationship management and business advisory services.

11% - 18% Interest Rate
1 - 7 Years Tenure
3-7 Days Processing
Loan Amount: ₹1 Lakh - ₹10 Crores
*Based on business turnover and requirements
Key Features:
  • Working capital and term loan options
  • Equipment financing and trade finance
  • Flexible repayment terms and moratorium
  • Business advisory and banking services
APPLY NOW

Home Loan

Turn your dream home into reality

Home loans are specially designed to help you purchase your dream home, construct a new house, or renovate your existing property. With attractive interest rates, long repayment tenure, and significant tax benefits, home loans make homeownership affordable and achievable with professional property valuation and legal assistance.

8.50% - 12% Interest Rate
Up to 30 Years Tenure
7-10 Days Processing
Loan Amount: ₹5 Lakhs - ₹5 Crores
*Based on property value and income
Key Features:
  • Up to 90% property financing available
  • Tax benefits under Section 80C & 24B
  • Balance transfer and top-up facilities
  • Professional valuation and legal support
APPLY NOW

MUDRA Loan

Government support for micro enterprises

MUDRA loans under Pradhan Mantri MUDRA Yojana provide financial support to micro and small enterprises. Three categories available - Shishu (up to ₹50,000), Kishor (₹50,001 to ₹5 lakhs), and Tarun (₹5,00,001 to ₹10 lakhs) with government guarantee and subsidized rates for various business activities.

8% - 12% Interest Rate
Up to 5 Years Tenure
7-15 Days Processing
Loan Amount: ₹50,000 - ₹10 Lakhs
*Based on business category and requirements
Key Features:
  • No collateral or guarantee required
  • Government subsidy and support
  • Three tier lending structure
  • Priority sector lending benefits
APPLY NOW

MSME Loan

Specialized support for MSMEs

MSME loans are specially designed for Micro, Small, and Medium Enterprises under various government schemes. These loans support business growth with credit guarantee coverage, priority sector benefits, and subsidized interest rates. Includes working capital, term loans, and equipment financing options.

9% - 14% Interest Rate
Up to 7 Years Tenure
5-10 Days Processing
Loan Amount: ₹10 Lakhs - ₹2 Crores
*Based on business classification and needs
Key Features:
  • Credit Guarantee Trust Fund coverage
  • Priority sector lending benefits
  • Skill development and training support
  • Technology upgradation assistance
APPLY NOW

PMEGP Loan

Employment generation through entrepreneurship

Prime Minister's Employment Generation Programme (PMEGP) loans support setting up new enterprises in manufacturing and service sectors. Provides substantial government subsidy, entrepreneurship development training, and comprehensive support for new business ventures with focus on employment generation.

8% - 12% Interest Rate
3 - 7 Years Tenure
15-30 Days Processing
Loan Amount: ₹10 Lakhs - ₹25 Lakhs
*Manufacturing ₹25L, Service ₹10L maximum
Key Features:
  • 15-35% government subsidy available
  • Entrepreneurship development training
  • New enterprise establishment support
  • Employment generation focus
APPLY NOW

Compare Our Loan Products

Quick comparison of interest rates, loan amounts, tenure, and processing time

Loan Type Interest Rate Loan Amount Tenure Processing Time Collateral
Personal Loan 10.50% - 24% ₹25K - ₹50L 1 - 7 Years 24-48 Hours Not Required
Business Loan 11% - 18% ₹1L - ₹10Cr 1 - 7 Years 3-7 Days Optional
Home Loan 8.50% - 12% ₹5L - ₹5Cr Up to 30 Years 7-10 Days Property
MUDRA Loan 8% - 12% ₹50K - ₹10L Up to 5 Years 7-15 Days Not Required
MSME Loan 9% - 14% ₹10L - ₹2Cr Up to 7 Years 5-10 Days CGTMSE Cover
PMEGP Loan 8% - 12% ₹10L - ₹25L 3 - 7 Years 15-30 Days Project Based

*Interest rates and terms are subject to credit assessment and may vary based on individual profile and market conditions.

Why Choose Earth Growth Financial Services?

Experience the difference with our customer-centric approach and professional excellence

Lightning Fast Processing

Experience the fastest loan approval and disbursal in the industry with our streamlined digital processes and dedicated team support.

Competitive Interest Rates

Get the best interest rates in the market with our transparent pricing policy and special rates for government schemes.

Minimal Documentation

Simplified documentation process with digital submission facility and paperless loan processing for faster approvals.

100% Transparent Process

Complete transparency in all dealings with no hidden charges, clear terms and conditions, and detailed cost breakdowns.

24/7 Customer Support

Round-the-clock customer support through multiple channels with dedicated relationship managers for personalized assistance.

Proven Track Record

18 years of excellence in financial services with thousands of satisfied customers and industry recognition for quality service.

Document Requirements

Simple document checklist for different types of loan applications

For Salaried Individuals
  • Identity Proof:
    Aadhaar Card, PAN Card, Passport, Driving License
  • Address Proof:
    Utility bills, Rent agreement, Bank statement
  • Income Proof:
    Last 3 months salary slips, Bank statements
  • Employment Proof:
    Employment certificate, Offer letter
  • Tax Documents:
    Form 16, IT Returns (last 2 years)
For Self-Employed
  • Identity & Address:
    Aadhaar, PAN, Passport, Utility bills
  • Business Proof:
    Registration certificate, Trade license
  • Financial Records:
    Bank statements (12 months), Cash flow
  • Tax Returns:
    ITR filed for last 3 years, GST returns
  • Financial Statements:
    P&L, Balance Sheet (audited preferred)
For Government Schemes
  • Basic Documents:
    Aadhaar, PAN, Bank account details
  • Project Report:
    Detailed business plan, Cost estimates
  • Caste Certificate:
    SC/ST/OBC certificate (if applicable)
  • Educational Qualification:
    Minimum 8th pass certificate
  • Training Certificate:
    EDP training completion (PMEGP)

Frequently Asked Questions

Get answers to common questions about our loan products and services

While we consider applications from various credit score ranges, a CIBIL score of 750 or above significantly improves your chances of approval and helps you get better interest rates. However, we also consider other factors like income stability, employment history, debt-to-income ratio, and overall financial profile. For government scheme loans like MUDRA and PMEGP, credit score requirements may be more flexible.

Processing time varies by loan type: Personal loans can be approved within 24-48 hours, Business loans typically take 3-7 days, Home loans require 7-10 days due to property verification, MUDRA loans process in 7-15 days, MSME loans take 5-10 days, and PMEGP loans require 15-30 days for government approval. The timeline depends on document completeness and verification requirements.

For MUDRA loans: Age 18-65 years, any business activity (non-farm), no existing loan default. For MSME loans: Valid business registration, 3+ years operation, good credit history, annual turnover within MSME limits. For PMEGP loans: Age 18-40 years (45 for SC/ST/Women), minimum 8th pass, project cost ₹10 lakhs-₹25 lakhs, completion of Entrepreneurship Development Programme (EDP) training.

Prepayment charges vary by loan type: Personal loans have no prepayment charges after 6 EMI payments. Home loans typically have no charges for floating rate loans. Business loans allow prepayment after 12 months with nominal charges. Government scheme loans (MUDRA, MSME, PMEGP) generally have flexible prepayment terms with minimal or no charges. Specific terms are clearly mentioned in the loan agreement.

PMEGP offers 15-35% subsidy on project cost (25% for General category, 35% for SC/ST/Women in rural areas, 15-25% in urban areas). MUDRA loans come with interest subvention schemes for eligible borrowers. MSME loans benefit from Credit Guarantee Trust Fund coverage and priority sector lending rates. Additional benefits include skill development support, technology upgradation assistance, and marketing support.

We maintain 100% transparency with zero hidden charges. All fees including processing charges (typically 1-3% of loan amount), documentation fees, legal charges (for secured loans), stamp duty, insurance premiums, and government taxes are clearly disclosed upfront. For government scheme loans, processing charges are often subsidized or waived. You receive a detailed cost breakdown before loan sanction.

Ready to Apply for Your Loan?

Take the first step towards achieving your financial goals with our hassle-free application process. Our expert team is ready to guide you through the entire loan process and help you choose the best option for your specific needs.

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9876100844

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75+ Branches Pan India

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