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Secured Loans

Home Loans

At Eraya Finserv, we understand that a home is more than just a property — it’s a milestone, a legacy, and a foundation for your family’s future. Our Home Loan solutions are designed to make this significant dream accessible, with flexible repayment structures, attractive interest rates, and a transparent documentation process. Whether you’re buying your first home, upgrading to a larger space, or constructing a new house, we tailor our offerings to suit your income, needs, and long-term goals.

What sets us apart is our commitment to ease and guidance throughout the financing journey. From eligibility assessment to final disbursement, our team ensures every step is simple, quick, and stress-free. We maintain strong partnerships,, allowing us to negotiate the best terms for you. With Eraya Finserv, you’re not just getting a home loan — you’re gaining a trusted financial ally committed to turning your dream home into a reality.

Loan Against Property

Unlock the hidden potential of your real estate with Eraya Finserv’s Loan Against Property offering. Whether you are a salaried individual, a business owner, or an entrepreneur, this solution provides you with substantial funds by leveraging the value of your owned residential or commercial property — without having to sell it. Our LAP services come with attractive interest rates, longer repayment tenures, and minimal documentation, enabling you to meet diverse financial needs like business expansion, education, medical emergencies, or debt consolidation.

At Eraya Finserv, we understand that property is more than just a physical asset — it’s a foundation for financial growth. Our team ensures a smooth and transparent process from valuation to disbursal, making funding accessible when you need it most. With personalized guidance, structured EMI plans, and expert support, we help you make the most of your property’s value while retaining complete ownership and peace of mind.

Cash Credit

Managing day-to-day operations in a business requires a consistent flow of working capital — and that’s exactly where our Cash Credit facility comes in. At Eraya Finserv, we provide flexible short-term funding solutions that empower your business to meet operational expenses, stock inventory, or handle temporary cash crunches without disrupting your momentum. With easy eligibility, quick processing, and overdraft limits tailored to your business size and cash flow, our CC offering acts as a reliable financial cushion.

Our expertise lies in understanding the dynamic financial cycles of businesses and structuring funding that adapts to your requirements. Backed by strong financial institutions and sound advisory, we ensure you get competitive interest rates and efficient account handling. Whether you’re a small enterprise or an expanding company, Eraya Finserv’s Cash Credit service supports your growth while giving you the liquidity to stay ahead in today’s fast-paced business environment.Managing day-to-day operations in a business requires a consistent flow of working capital — and that’s exactly where our Cash Credit facility comes in. At Eraya Finserv, we provide flexible short-term funding solutions that empower your business to meet operational expenses, stock inventory, or handle temporary cash crunches without disrupting your momentum. With easy eligibility, quick processing, and overdraft limits tailored to your business size and cash flow, our CC offering acts as a reliable financial cushion.

Overdraft

Unforeseen expenses and temporary cash shortages can occur in any business or individual’s financial journey. Eraya Finserv’s Overdraft facility is designed to provide seamless financial flexibility by allowing you to withdraw more money than what is available in your current account — up to a pre-approved limit. Whether it’s covering urgent payments, tackling seasonal cash flow gaps, or managing irregular income patterns, our OD service ensures you never fall short when it matters most.

With minimal documentation, fast approvals, and competitive interest rates only on the utilized amount, Eraya Finserv makes overdraft funding smart and efficient. Our relationship-based approach enables us to personalize limits and repayment structures to suit your specific profile — be it a self-employed professional, salaried individual, or business owner. When liquidity matters, think of Eraya as your dependable financial partner in staying in control.

Working Capital Finance

In today’s fast-paced business environment, smooth cash flow is essential to sustaining daily operations and fostering growth. Eraya Finserv’s Working Capital Finance is tailored to empower businesses with timely access to funds that meet their short-term operational needs — from managing inventory and payroll to addressing supplier payments and overhead costs. Our structured financing solutions bridge the gap between receivables and payables, ensuring uninterrupted business performance.

With flexible loan structures, hassle-free processing, and customized repayment cycles, Eraya Finserv provides a strategic financial cushion that aligns with your business cycles. Whether you’re a growing SME or a well-established enterprise, our dedicated team works closely with you to design capital solutions that are transparent, scalable, and growth-oriented. Trust us to strengthen your liquidity and unlock the full potential of your enterprise.

Loan to Purchase Office & Industrial Property

Investing in commercial real estate can be a game-changer for your business growth — and Eraya Finserv is here to make that transition seamless. Our Loan to Purchase Office & Industrial Property solution empowers business owners, entrepreneurs, and investors to acquire office spaces, warehouses, factories, or industrial units without straining existing capital. With competitive interest rates, high loan eligibility, and structured repayment options, we make it easier to build long-term assets that support your professional ambitions.

Backed by our in-depth financial expertise and market insights, Eraya Finserv ensures that each loan is tailored to your specific business model and real estate requirement. Whether you’re expanding your operations or entering new markets, our team will assist you throughout the process — from property evaluation and legal checks to flexible loan structuring — ensuring transparency, reliability, and a partnership built on trust.

Unsecured Loans

Personal Loan

When life brings unplanned expenses or urgent financial needs, Eraya Finserv’s Personal Loan solution offers you fast, flexible, and collateral-free funding. Whether it’s for medical emergencies, travel, education, home renovation, or managing a major purchase, our personal loans provide immediate support with minimal documentation and quick approvals. With loan amounts up to ₹5 crore and tenure options that suit your repayment comfort, we ensure a smooth borrowing experience tailored to your individual needs.

At Eraya Finserv, we prioritize your convenience and financial well-being. Our expert advisors assess your eligibility swiftly and offer transparent loan terms with no hidden charges. From salaried professionals to self-employed individuals, our personal loan offerings are designed to help you meet your goals without the stress of asset pledging. With us, financial empowerment is just a step away.

Business Loan

Fuel your growth ambitions with Eraya Finserv’s Business Loan solutions — designed to provide unsecured capital for a wide range of business needs. Whether you’re launching a new venture, scaling operations, upgrading equipment, or managing day-to-day working capital, our business loans offer high-value funding up to ₹15 crore with no collateral required. Enjoy flexible tenures, competitive interest rates, and fast disbursal so you can focus on what matters most — growing your enterprise.

With over two decades of experience in business financing, Eraya Finserv is trusted by manufacturers, traders, and service providers alike. We go beyond generic solutions by understanding your unique business model and tailoring funding accordingly. Our expert team assists you through every step — from eligibility assessment to documentation and approval — ensuring a smooth, transparent, and growth-oriented experience.

CC/DD under CGTSME

For micro and small businesses seeking growth without the burden of collateral, Eraya Finserv offers Cash Credit (CC) and Demand Draft (DD) facilities under the CGTSME scheme — a government-backed initiative providing credit guarantees up to ₹10 crore. This facility empowers eligible SMEs to secure working capital and term loans without risking personal or business assets. It’s an ideal solution for businesses with strong potential but limited collateral availability.

Our deep understanding of credit frameworks and strong banking partnerships make Eraya Finserv a reliable partner in navigating government schemes. We ensure complete assistance in eligibility checks, documentation, and scheme compliance, enabling entrepreneurs to access funds with speed, ease, and confidence. With our support, small businesses can invest in operations, expansion, and innovation — driving sustainable growth while retaining full control.

Dropline Overdraft (DLOD)

Eraya Finserv’s Dropline Overdraft (DLOD) facility offers a smart and flexible credit solution tailored for businesses and professionals seeking ongoing access to funds. With a pre-sanctioned credit limit that reduces gradually over the loan tenure, DLOD allows you to borrow as needed and pay interest only on the amount utilized. This makes it a cost-effective and efficient option for managing short-term operational needs, fluctuating cash flows, or unforeseen expenses — all without the rigidity of traditional term loans.

Our DLOD offering stands out for its simplicity, quick processing, and adaptability to your financial rhythm. Backed by our expert advisory and seamless service, you benefit from structured repayment plans, competitive interest rates, and a transparent process from start to finish. Whether you’re a growing startup or an established enterprise, DLOD empowers you with financial agility and peace of mind — exactly when you need it most.

Secured Loans

Home Loans

At Eraya Finserv, we understand that a home is more than just a property — it’s a milestone, a legacy, and a foundation for your family’s future. Our Home Loan solutions are designed to make this significant dream accessible, with flexible repayment structures, attractive interest rates, and a transparent documentation process. Whether you’re buying your first home, upgrading to a larger space, or constructing a new house, we tailor our offerings to suit your income, needs, and long-term goals.

What sets us apart is our commitment to ease and guidance throughout the financing journey. From eligibility assessment to final disbursement, our team ensures every step is simple, quick, and stress-free. We maintain strong partnerships,, allowing us to negotiate the best terms for you. With Eraya Finserv, you’re not just getting a home loan — you’re gaining a trusted financial ally committed to turning your dream home into a reality.

Loan Against Property

Unlock the hidden potential of your real estate with Eraya Finserv’s Loan Against Property offering. Whether you are a salaried individual, a business owner, or an entrepreneur, this solution provides you with substantial funds by leveraging the value of your owned residential or commercial property — without having to sell it. Our LAP services come with attractive interest rates, longer repayment tenures, and minimal documentation, enabling you to meet diverse financial needs like business expansion, education, medical emergencies, or debt consolidation.

At Eraya Finserv, we understand that property is more than just a physical asset — it’s a foundation for financial growth. Our team ensures a smooth and transparent process from valuation to disbursal, making funding accessible when you need it most. With personalized guidance, structured EMI plans, and expert support, we help you make the most of your property’s value while retaining complete ownership and peace of mind.

Cash Credit

Managing day-to-day operations in a business requires a consistent flow of working capital — and that’s exactly where our Cash Credit facility comes in. At Eraya Finserv, we provide flexible short-term funding solutions that empower your business to meet operational expenses, stock inventory, or handle temporary cash crunches without disrupting your momentum. With easy eligibility, quick processing, and overdraft limits tailored to your business size and cash flow, our CC offering acts as a reliable financial cushion.

Our expertise lies in understanding the dynamic financial cycles of businesses and structuring funding that adapts to your requirements. Backed by strong financial institutions and sound advisory, we ensure you get competitive interest rates and efficient account handling. Whether you’re a small enterprise or an expanding company, Eraya Finserv’s Cash Credit service supports your growth while giving you the liquidity to stay ahead in today’s fast-paced business environment.Managing day-to-day operations in a business requires a consistent flow of working capital — and that’s exactly where our Cash Credit facility comes in. At Eraya Finserv, we provide flexible short-term funding solutions that empower your business to meet operational expenses, stock inventory, or handle temporary cash crunches without disrupting your momentum. With easy eligibility, quick processing, and overdraft limits tailored to your business size and cash flow, our CC offering acts as a reliable financial cushion.

Overdraft

Unforeseen expenses and temporary cash shortages can occur in any business or individual’s financial journey. Eraya Finserv’s Overdraft facility is designed to provide seamless financial flexibility by allowing you to withdraw more money than what is available in your current account — up to a pre-approved limit. Whether it’s covering urgent payments, tackling seasonal cash flow gaps, or managing irregular income patterns, our OD service ensures you never fall short when it matters most.

With minimal documentation, fast approvals, and competitive interest rates only on the utilized amount, Eraya Finserv makes overdraft funding smart and efficient. Our relationship-based approach enables us to personalize limits and repayment structures to suit your specific profile — be it a self-employed professional, salaried individual, or business owner. When liquidity matters, think of Eraya as your dependable financial partner in staying in control.

Working Capital Finance

In today’s fast-paced business environment, smooth cash flow is essential to sustaining daily operations and fostering growth. Eraya Finserv’s Working Capital Finance is tailored to empower businesses with timely access to funds that meet their short-term operational needs — from managing inventory and payroll to addressing supplier payments and overhead costs. Our structured financing solutions bridge the gap between receivables and payables, ensuring uninterrupted business performance.

With flexible loan structures, hassle-free processing, and customized repayment cycles, Eraya Finserv provides a strategic financial cushion that aligns with your business cycles. Whether you’re a growing SME or a well-established enterprise, our dedicated team works closely with you to design capital solutions that are transparent, scalable, and growth-oriented. Trust us to strengthen your liquidity and unlock the full potential of your enterprise.

Loan to Purchase Office & Industrial Property

Investing in commercial real estate can be a game-changer for your business growth — and Eraya Finserv is here to make that transition seamless. Our Loan to Purchase Office & Industrial Property solution empowers business owners, entrepreneurs, and investors to acquire office spaces, warehouses, factories, or industrial units without straining existing capital. With competitive interest rates, high loan eligibility, and structured repayment options, we make it easier to build long-term assets that support your professional ambitions.

Backed by our in-depth financial expertise and market insights, Eraya Finserv ensures that each loan is tailored to your specific business model and real estate requirement. Whether you’re expanding your operations or entering new markets, our team will assist you throughout the process — from property evaluation and legal checks to flexible loan structuring — ensuring transparency, reliability, and a partnership built on trust.

Unsecured Loans

Personal Loan

When life brings unplanned expenses or urgent financial needs, Eraya Finserv’s Personal Loan solution offers you fast, flexible, and collateral-free funding. Whether it’s for medical emergencies, travel, education, home renovation, or managing a major purchase, our personal loans provide immediate support with minimal documentation and quick approvals. With loan amounts up to ₹5 crore and tenure options that suit your repayment comfort, we ensure a smooth borrowing experience tailored to your individual needs.

At Eraya Finserv, we prioritize your convenience and financial well-being. Our expert advisors assess your eligibility swiftly and offer transparent loan terms with no hidden charges. From salaried professionals to self-employed individuals, our personal loan offerings are designed to help you meet your goals without the stress of asset pledging. With us, financial empowerment is just a step away.

Business Loan

Fuel your growth ambitions with Eraya Finserv’s Business Loan solutions — designed to provide unsecured capital for a wide range of business needs. Whether you’re launching a new venture, scaling operations, upgrading equipment, or managing day-to-day working capital, our business loans offer high-value funding up to ₹15 crore with no collateral required. Enjoy flexible tenures, competitive interest rates, and fast disbursal so you can focus on what matters most — growing your enterprise.

With over two decades of experience in business financing, Eraya Finserv is trusted by manufacturers, traders, and service providers alike. We go beyond generic solutions by understanding your unique business model and tailoring funding accordingly. Our expert team assists you through every step — from eligibility assessment to documentation and approval — ensuring a smooth, transparent, and growth-oriented experience.

CC/DD under CGTSME

For micro and small businesses seeking growth without the burden of collateral, Eraya Finserv offers Cash Credit (CC) and Demand Draft (DD) facilities under the CGTSME scheme — a government-backed initiative providing credit guarantees up to ₹10 crore. This facility empowers eligible SMEs to secure working capital and term loans without risking personal or business assets. It’s an ideal solution for businesses with strong potential but limited collateral availability.

Our deep understanding of credit frameworks and strong banking partnerships make Eraya Finserv a reliable partner in navigating government schemes. We ensure complete assistance in eligibility checks, documentation, and scheme compliance, enabling entrepreneurs to access funds with speed, ease, and confidence. With our support, small businesses can invest in operations, expansion, and innovation — driving sustainable growth while retaining full control.

Dropline Overdraft (DLOD)

Eraya Finserv’s Dropline Overdraft (DLOD) facility offers a smart and flexible credit solution tailored for businesses and professionals seeking ongoing access to funds. With a pre-sanctioned credit limit that reduces gradually over the loan tenure, DLOD allows you to borrow as needed and pay interest only on the amount utilized. This makes it a cost-effective and efficient option for managing short-term operational needs, fluctuating cash flows, or unforeseen expenses — all without the rigidity of traditional term loans.

Our DLOD offering stands out for its simplicity, quick processing, and adaptability to your financial rhythm. Backed by our expert advisory and seamless service, you benefit from structured repayment plans, competitive interest rates, and a transparent process from start to finish. Whether you’re a growing startup or an established enterprise, DLOD empowers you with financial agility and peace of mind — exactly when you need it most.