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Om finance no, 41,42 Rajkot, Gujarat
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+4401245785
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About
Empowering Financial Freedom and Trusted Solutions
We are committed to helping you achieve your financial goals and dreams. Our loan services are designed to provide you with the support and resources you need to take control of your finances and embark on a path towards prosperity.Our experienced team of financial experts is dedicated to understanding your unique needs and finding the best loan solutions that align with your goals. Whether you're looking to fund a new business venture, consolidate debt, purchase a new home, or cover unexpected expenses, we've got you covered.
About Us
Feature
Unlocking the Power of Our Loan Features
We believe in transparency, and that's why we offer competitive interest rates and flexible repayment options. Our user-friendly loan management platform makes it easy for you to monitor your loan status, make payments, and stay on top of your financial journey.
- Flexible Repayment : Customize your loan with easy payment plans.
- Low-Interest Rates: Enjoy competitive rates for affordable borrowing.
- Quick Approval Process: Get funds swiftly with fast approvals.
- No Hidden Fees: Transparent loan terms, no surprises or extras.
- Loan Assistance: Our team is here to guide and support you.
24/7 Support
Flexible Repayment : Customize your loan with easy payment plans.
Low Cost
Low-Interest Rates: Enjoy competitive rates for affordable borrowing.
Featured Plans
Secure your dreams with our empowering featured loans
Agricultural Loans
Agricultural Loans2%
Interest Rate- Take Minimum $5,000.00 USD
- Take Maximum $250,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Project Funding Loans
Project Funding Loans3%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $10,000,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 103
MSME/SME Loans
MSME/SME Loans3%
Interest Rate- Take Minimum $20,000.00 USD
- Take Maximum $100,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 103
Business Loans
Business Loans2%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $10,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Green Energy Loans
Green Energy Loans3%
Interest Rate- Take Minimum $10,000.00 USD
- Take Maximum $100,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 103
Mortgage Loans
Mortgage Loans4%
Interest Rate- Take Minimum $50,000.00 USD
- Take Maximum $500,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 52
Home Loans
Home Loans2%
Interest Rate- Take Minimum $10,000.00 USD
- Take Maximum $500,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Gold Loans
Gold Loans4%
Interest Rate- Take Minimum $5,000.00 USD
- Take Maximum $100,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 52
Loan Against Property (LAP)
Loan Against Property (LAP)4%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $500,000,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 52
Personal Loans
Personal Loans2%
Interest Rate- Take Minimum $5,000.00 USD
- Take Maximum $250,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 51
Education Loans
Education Loans3%
Interest Rate- Take Minimum $10,000.00 USD
- Take Maximum $100,000.00 USD
- Per Installment 1%
- Installment Interval 30 Days
- Total Installment 103
Vehicle Loans
Vehicle Loans4%
Interest Rate- Take Minimum $10,000.00 USD
- Take Maximum $500,000.00 USD
- Per Installment 2%
- Installment Interval 30 Days
- Total Installment 52
110+
Country Wide
1K+
Happy Client
195
Winning Awards
$8M+
Total Loan
FAQ
Frequently Asked Questions
Here is a collection of commonly asked questions and their answers regarding our loans:
Common documents include:
- Identity Proof: Passport.
- Address Proof: Utility bills.
- Income Proof: Salary slips or bank statement.
- Loan-Specific Documents: Property papers for home loans, project details for business loans.
- Penalty charges.
- A negative impact on your credit score.
- Possible legal action by the lender if defaults continue.
- Home Loans: Tax deductions under Sections 80C (principal) and 24(b) (interest).
- Education Loans: Deduction on interest under Section 80E.
Competitive Interest Rates
- Our interest rates are among the most competitive in the market, ensuring affordability for borrowers. For example, home loans start at just 3%, which could go lower depending on your profile and repayment history.
Transparent Fee Structure
- We pride ourselves on transparency, with no hidden charges. All fees, including processing, prepayment, and documentation charges, are disclosed upfront.
Quick and Easy Loan Processing
- Our streamlined three-step process—Apply, Approval, and Funds Transfer—ensures minimal waiting time and hassle-free disbursement.
Tailored Loan Solutions
- We offer customized loan products, including business loans, home loans, and project funding, tailored to individual and business needs.
Global Project Funding Expertise
- We specialize in funding lucrative global projects across industries such as agriculture, green energy, and business expansion, helping clients realize their full potential.
Flexible Repayment Options
- We provide flexible tenure and EMI options to suit diverse financial situations, reducing borrower stress.
Low Processing and Administrative Fees
- Our processing fees are competitive, with occasional promotions offering zero fees for select loan types.
Exceptional Customer Service
- Our dedicated team is available to assist with queries, ensuring a smooth and supportive experience throughout your loan journey.
Credibility and Trust
- Headquartered in Mumbai, India, we are a trusted financial institution with a proven track record of providing reliable services.
Innovative Products
- We stay ahead by offering loans for emerging industries such as renewable energy and sustainable projects, supporting a greener future.
How to Avoid Hidden Charges?
- Carefully review the loan agreement and ensure all fees are explicitly mentioned.
- Ask your lender for a breakdown of your EMIs and any additional charges.
- Choose reputed lenders with transparent policies like ours.
The loan application fee varies by lender and type of loan. Here's a summary of fees for some common loan categories:
Home Loans:
- Banks typically charge a processing fee between 0.25% to 1% of the loan amount. For instance, IDFC Bank charges up to 0.50%, while banks like Union Bank of India may waive this fee under specific promotions【47】【48】.
- A non-refundable administrative or login fee of ₹2,500 to ₹7,000 may also apply【48】.
Personal Loans:
- Application fees for personal loans range from 0.5% to 2%, depending on the institution. This fee may include GST and varies with the loan's size and your credit profile【46】【47】.
Business Loans:
- Fees for business loans are usually 1% to 2% of the sanctioned amount, often adjusted against the processing fee upon loan approval【47】【48】.
Project Financing:
- Application and evaluation fees for project funding loans can be higher, often starting at 1% of the loan amount, reflecting the complexity and scale of such loans.
Education Loans:
- Generally, education loans have a nominal application fee or may waive it entirely depending on the lender【46】【48】.
Auto Loans:
- Auto loans typically carry application fees of 0.25% to 1%, with specific promotions occasionally offering fee waivers【47】.
Yes, most loans allow prepayment or foreclosure. Check the loan agreement for details.
Eligibility depends on factors such as:
- Age (typically 21 to 60 years for individuals).
- Employment type (salaried or self-employed).
Blog Post
Our Latest Blog
03
Aug
Helped by Loan : Finding the Perfect Summer Internship
After graduating from college, many jobs want experience in your work field. Having a summer internship is a great way gain experience. Here are some ways to find the perfect internship for you:Check out online resourcesThere are many online resources to help you look for internships. CyHire is a great tool to find employers who are recruiting Iowa State students. You can search for positions by your college or major, upload your resume, view career fair information and more. You can even automate your CyHire search to have new opportunities emailed to you. LinkedIn is another great tool to connect with people and to find internships in different cities and states. Through LinkedIn you can also connect with alumni of Iowa State University.Attend career fairsCareer fairs are a great way to network and to create connections with people in the work force. Through networking you are able to share your resume and network for yourself with others. Connections are important for finding job opportunities.Contact the employer directlyYou don’t see an internship at a business or organization you want to work for? Contact the business or the employers. This shows them that you are motivated and willing to go the extra mile.Find something that works for youLooking for an internship that intrigues you and will help you improve your skills and connections is important when making a final decision. While there are both paid and un-paid internships, there may be scholarships you can apply for if you decide to take an un-paid position, so don’t discount an opportunity if it will ultimately help you gain valuable experience.
03
Aug
Agri-loan, key to farming success
Starting today's article with statistics provided by the Bangladesh Bank.According to IFPRI, 19 percent of farmers take loans from relatives. 15 percent from the landowner, 11.4 percent come from moneylenders and 3.6 percent from various associations and cooperatives. Farmers get the largest share of the loan from the Krishi Bank, which is about 15 percent. Large, medium and small farmers together get 36 percent of the total loan while marginal farmers get about 5 percent. The total percentage of loan all the farmers get is 36 percent. Sharecroppers, the farmers who cultivate other people's land on lease, do not get this loan. As a result, they have to rely on loans from other sources, including NGOs.Small NGOs and associations began to form in the districts and upazilas from the 80s to the early 90s of the last century. Along with other developmental activities, these institutions started a micro-credit programme. Institutions thrive mainly on interest earned from loans. But there is no such change in the farmer I have witnessed. The farmer falls into a debt trap and sometimes carry the burden of prolonged loans that they take from NGOs and local moneylenders. Farmer Rafiqul Islam from Natore, at one of the open-air discussion among farmers and policymakers, popularly known as 'Krishi Budget Krishoker Budget' (Farmers' Voices in Budget, aired on Channel i), said he has never seen any political person become poor while doing politics, but the farmers are not well off doing their profession, which is farming. "We don't have capital, no one thinks about our market, no one talks about us," Rafiqul angrily said. Such anger doesn't only come from Rafiqul, but almost every farmer bears the same agony. Most importantly, the moneylenders expanded their business by capitalizing on the poor state of the farmers and they never want them to get out of this vicious circle of borrowing money from the locally-rich and powerful people.
03
Aug
Dealing with Delinquent Business Loans: Protecting Your Finances and Credit
Closing on a business loan often brings a sense of relief and excitement as you secure the funds to grow your business. However, it’s not uncommon to find yourself overwhelmed after a few months or years, realizing that you’ve taken on more than you can handle. With over one-third of Americans struggling with delinquent debt and the risk of loan defaults, taking immediate action is crucial when you fall behind on loan payments. This article provides essential information on delinquent loans, defaults, and practical strategies to protect yourself and minimize the associated damage.Understanding Delinquent LoansA loan becomes delinquent when you miss a payment, even in just one day. If you miss payments or cannot make them for an extended period (typically 90 to 120 days), the lender may classify the loan as default and initiate collection procedures. Both delinquent loans and defaults have negative implications for your credit. It’s important to note that the timing of your delinquency rarely matters. For example, if your payment is due on February 1 and the lender doesn’t receive it that day, the loan becomes delinquent on February 2.Consequences of Delinquent LoansThe consequences of a delinquent loan depend on your lender’s policies and the terms outlined in the loan agreement. However, there are three typical outcomes:Penalty Rates & Late Fees: Loan agreements often permit lenders to charge late fees after a few days grace period. Some agreements also permit the lender to increase the interest rate on overdue amounts, known as a “penalty rate” or “default rate.” Late fee structures vary among lenders, so it’s essential to understand their specific policies to avoid surprises.Negative Impact on Credit Score: Once you are 30 days late on payments, lenders can report the late payment to credit bureaus. Beyond this period, a late payment can decrease your credit score by nearly 100 points. In addition, poor credit score makes qualifying for future business loans more challenging. Late payments can remain on your credit report for up to seven years, even if you pay the lender after the item is reported.It’s worth noting that this 30-day rule does not apply to business credit reports, as lenders can report late payments to commercial credit bureaus even if you are just one day late.Increased Contact from LendersWhen you have a delinquent loan, expect frequent calls and emails from your lender urging you to make payments. Lenders prioritize collection efforts while the deadline is fresh in your mind. As delinquency continues, it becomes more challenging for lenders to collect the debt.Delinquent Loans vs. Defaulted LoansA loan transitions from delinquency to default when you have an outstanding balance for an extended period specified in the loan agreement. Typically, lenders wait 90 to 120 days before considering a loan as default.How to Identify Defaulted LoansWhen a loan goes into default, the lender will send you a written notice stating that you have breached the loan agreement and must immediately repay the entire loan balance. The lender might also sell or transfer the debt to a collection agency, escalating collection efforts to recover the outstanding balance. If the lender believes they won’t recover the money, they can charge off the loan, removing it from their books. However, you remain responsible for paying the debt.Actions After DefaultThe lender’s subsequent actions depend on whether the loan is secured or unsecured. Secured loans have collateral or personal guarantees backing them, while unsecured loans do not.
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