Borrow Smart with
Affordable Rates

Flexible loan products tailored for individuals, businesses, and groups. Quick approvals, transparent terms, and dedicated support for your financial needs.

 Loan Products

Available Loan Options

👥

Group Loans

9% - 12%

Financial support for self-help groups and community-based borrowing with flexible repayment terms.

  • Up to ₹5 lakhs
  • Group-based approval
  • Flexible tenure
Learn More →
🏢

Business Loans

8% - 11%

Expand your business with working capital and growth financing solutions from Pragathi.

  • Up to ₹10 lakhs
  • Quick approval
  • Minimal documentation
Learn More →
🏠

Mortgage Loans

7.5% - 10%

Secure higher-value loans using property assets with flexible repayment plans and competitive rates.

  • Up to ₹50 lakhs
  • Low rates
  • Longer tenure
Learn More →

Loan Comparison

Loan TypeInterest RateMax Loan AmountTenureProcessing Time
Group Loans9% - 12%₹5 Lakhs1-5 Years3-7 Days
Business Loans8% - 11%₹10 Lakhs1-7 Years5-10 Days
Mortgage Loans7.5% - 10%₹50 Lakhs5-15 Years10-15 Days

Calculate Your EMI

Monthly EMI
₹6,345
Total Amount Payable
₹3,80,700

Eligibility Requirements

General & Loan-Specific Criteria

All Loans

  • Age: 21-65 years
  • Indian Citizen
  • Bank account holder

Business Loans

  • Business 2+ years
  • Annual turnover ₹10L+
  • CIBIL 650+

Mortgage Loans

  • Clear property ownership
  • Monthly income ₹30,000+
  • CIBIL 700+

Loan Application Process

1

Apply Online/Offline

Fill application form

2

Document Verification

Submit KYC documents

3

Loan Assessment

Team evaluates request

4

Approval & Disbursement

Funds transferred

5

Start Repayment

Begin EMI payments

Documents Checklist

Required Documentation:

Frequently Asked Questions

What is the maximum loan amount I can get?
Group Loans up to ₹5 lakhs, Business Loans up to ₹10 lakhs, Mortgage Loans up to ₹50 lakhs based on collateral value.
How long does loan approval take?
Group Loans 3-7 days, Business Loans 5-10 days, Mortgage Loans 10-15 days.
What is the minimum CIBIL score required?
Business Loans: 650+, Mortgage Loans: 700+. Group Loans consider other factors.
Can I prepay my loan early?
Yes, full or partial prepayment is allowed without penalty.

Success Stories

★★★★★

"Quick approval and reasonable rates helped me grow my business. Highly recommend Pragathi!"

A
Anjali Sharma
Group Loan Customer
★★★★★

"Business loan helped me expand operations. Minimal documentation and helpful staff."

P
Prakash Reddy
Business Loan Customer
★★★★★

"Bought my dream home with their mortgage loan. Excellent customer service throughout!"

N
Neha & Nikhil
Mortgage Loan Customers

Ready to Achieve Your Financial Goals?

Get the funds you need with quick approval, transparent terms, and dedicated support.

Contact Us