Académique Documents
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LOGO DESIGN
ABOUT US
We are the prominent finance organization associated with multiple private sector BANK's and
NBFC's and we are operating in PAN INDIA. Bank has awarded us CERTIFICATE OF EXCELLENCE to
our organizations for our outstanding dedication, consistent performance and maintaining clean
portfolio.
5. MISSION & VISSION: To be the most trusted financial service provider to our client and finance
industry.
Client focus-we always give importance to provide our clients quality, reliability & dependability
services. The success of our clients is the biggest rewards for us.
Integrity – Integrity is fundamental to our business. We adhere to moral and ethical principles in
everything.
Performance – we believe in development of our client. We strive to attract, develop & retain the
best talent.
PERSONAL:
ELIGIBILITY CRITERIA
The business loan can be offered to any person who is running a legitimate business with a decent
earning can apply for a business loan. After authentication and validation, banks have the sole
authority to decide the amount of loan and even whether it wants to offer the loan to borrower or
not. Below are some points which are generally considered before offering a loan:
DOCUMENTS:
DOCUMENTS
1. PAN CARD, VOTER ID, AADHAR CARD, PASSPORT OF APPLICANT & COAPPLICANT
FOR RESIDENCE PROOF WE CAN ACCEPT SAVING BANK PASSBOOK XEROX, LIC POLICY BOND 1ST.
PAGE XEROX, GAS CARD, POST PAID TELE PHONE BILL
4. VAT & GST REGISTRATION COPY (LICENSE) WITH LAST 1 YEAR GST RETURN COPY WITH
ACKNOWELWDGEMENT
5. LAST 2 YEAR INCOME TAX RETURN OF PROPRIETOR WITH COMPUTTION OF INCOME,
6. LAST 2 YEARS PROFIT & LOSS ACCOUNT & BALANCESHEET WITH AUDITORS REPORT (3CB, 3CD
&3CA)
7. LAST 6month BANK STATEMENT CURRENT ACCOUNT / CASH CREDIT ACCOUNT WITH SANCTION
LETTER in pdf format soft copy
8. LOAN REPAYMENT TRACK .., IF ANY LOAN CONTINUE IN APPLICANT OR CO-APPLICANT NAME
(For Company MOA, AOA INCORPORATION CERTIFICATE, PAN CARD AND SHAREHOLING PATTERN
OF COMPANY REQUIRED
(FOR PARTNERSHIP FIRM partnership deed and pan card of FIRM required AND ABOVE DOCUMENT
IS COMMON)
APPLY ONLINE
NAME
CONTACT NUMBER-
EMAIL ID-
Banks and NBFCs brings to you Loan against Property facility to enable you to unlock the power of
your property. You can mortgage your residential , commercial , Industrial and vacant land
property to get a loan & meet all your financial requirements.
Purpose of Loan against property:
3. Medical treatment
Loan to VALUE:
Documentation
PRE DOCUMENTS for process the loan:
KYC
Identity proof: Pan Card/ Passport/ Voter I Card/ driving license/ AADHAR card.
Residence Proof : Electricity bill/ Telephone bill/ gas card /saving bank passbook
1st page Xerox
Property papers:
Sale deed, record of right, municipality and revenue tax receipt latest year,
previous link deed, plan approval with order copy from development authority or
block development officer.
APPLY ONLINE
NAME
DOB/INCORPORATION DATE-
CONTACT NUMBER-
EMAIL ID-
Under Lease rental discounting, the borrower avails a loan by pledging the future
rental income to the lender. In this way the borrower can get money upfront in lieu
of the rental income which would come to him over period of time.
Property owners having their property situated in Metro/ Urban Area/ Semi-Urban areas/ Rural Areas,
who have let out /leased their property under registered lease deed/ Leave & license agreement to Public
Sector Undertakings/ Govt. / Semi Govt./ State Govt. reputed corporate houses, Banks, Financial
Institutions, Insurance Companies, Multinational Companies, Warehouses, large retail outlets, person
engaged in trade, commerce & business, Professionals, self Employed, High Net worth Individuals,
Salaried Class, Proprietary firms, Partnership firm, companies, etc.
The agreement is between the borrower and lender and the major term of
repayment is the rent is directly deposited with the lender and not with the borrower.
The Borrower is sanctioned a loan based upon the rent to be collected over the
period of lease.
Loan Purpose:
• Education/Marriage Expenses.
Loan amount
Minimum -50 lac maximum -50crore depends on LTV and financial eligibility of
borrower
Loan to value:
Documentation
kyc
Identity proof: Pan Card/ Passport/ Voter I Card/ driving license/aadhar card.
Residence Proof : Electricity bill/ Telephone bill/ gas card /saving bank passbook
1st page Xerox
Property papers: sale deed, record of right, municipality and revenue tax receipt
latest year, previous link deed, plan approval with order copy from development
authority or block development officer.
APPLY ONLINE
NAME
DOB/INCORPORATION DATE-
CONTACT NUMBER-
EMAIL ID-
4.HOME LOANS
House is the most important for every family. In pursuance of National Housing Policy of Central Government, Reser
flow of credit of housing sector. Housing loan / Home loan can be availed for following purpose:
. Extensive Range of Home Loan Products : Home Loan -Top up, Home Loan - takeover facility.
Any individual can avail housing / home loan subject to the purpose of owing a residence only. Home loans are not sa
premises like shop, office, warehouse or factory etc.
Home Loan / Housing Loan is a type of secured loan as the house or residence purchased is mortgaged to the lending
the loan amount.
RATE OF INTEREST: 8.5% -9% REDUCING PER ANNUM (RATES ARE GUIDED BY RBI & NHB TIME TO TIME)
Full Emi – borrower will pay instalment when he availed the loan.
Your loan is repaid through Equated Monthly instalments, which include principal and interest component. EMI repayment s
disbursement,While pre-EMI is the simple interest, payable every month till the time loan is fully disbursed.
BANKS and NBFC are generally grants 85% of cost of the house rest 15% is borrowers margin.
ELIGIBILITY CRITERIA:
Loan amount is depends on financial position of borrower and his CIBIL track record.
Tax Benefit
Self –Occupied The repayment of principal of Rs.150000 is Upto Rs.200000 if completed within 3
also eligible for deduction from Income Tax which loan was taken, else Rs.30000.
u/s 80C. (Rs.200000 for Senior citizen) Rs.50000/- on interest paid for loans u
home upto Rs 50 lakhs
First home- Upto Rs.150000/- (Rs.200000 for Senior On entire interest paid without any lim
Rented / vacant Citizen) if staying in a different city for work.
Second Home Nil On entire interest paid without any lim
DOCUMENTS: KYC
Identity Proof: Pan Card/ Passport/ Voter I Card/ Driving license/aadhar card.
Residence Proof : Electricity bill/ Telephone bill/ gas card /saving bank passbook 1st page Xerox
Property papers: sale deed , record of right, municipality and revenue tax receipt latest year,
construction
APPLY ONLINE
NAME
CONTACT NUMBER-
EMAIL ID-
An Indian who has been living overseas for service, conducting business or pursuing a vocation is
suitable for a NRI Housing loan. This post gives all the information on home loans from NRIs.
Eligibility
Age
You must be minimum 25 years old.
For NRI applicant, maximum age limit is 60 years or retirement age (whichever is earlier) at the
time of loan maturity.
Residential status
If salaried applicant, you should have been abroad for a minimum period of 1 year.
If self-employed applicant, you should have been abroad for a minimum period of 3 years.
Tenure & Minimum Qualification:
For Salaried- Loan tenure up to 10 years, minimum qualification to be Graduate/ Diploma. Loan
tenure between 11 to 15 years, for Middle East minimum qualification is Post Graduate/
professional degree.
Loan tenure 11 to 15 years, for USA and all other countries minimum qualification is Graduate/
Diploma with minimum 3 years of employment abroad/ professional degree with min 1 year of
employment abroad.
For Self-Employed- SSC or its equivalent.
Maximum tenure: Maximum tenure for Home Loan and Home Improvement Loan is 20 yrs /
Maximum tenure for Land loan and Home equity loan-Residential is 10 yrs. No Office Premises
Loan is allowed
Income:
Country/Employment
Salaried Self-Employed
Type
DOB/INCORPORATION DATE-
CONTACT NUMBER-
EMAIL ID-
In case there is no co-applicant, an NRI Guarantor is required compulsorily along with his / her identity
and address proof.
Repayment
Under the RBI regulations, the repayment of the housing loan by NRIs can only be made by remittances
from abroad through normal banking channels or through NRE account/NRO account or out of rental
income derived from the impugned property. The amount must be payable in Indian Rupees only.
Modes of Repayment
Where you have availed only a part of the loan, you would be required to pay us only the interest on the
amount disbursed till the full loan is availed. This payment would have to be made every month-end. This
payment would have to be made by you by post-dated cheques.
After you avail full disbursement, you have the convenience of setting up a standing instruction in your
bank account with us, for monthly repayments of your home loan installments. For this, you need to
execute (Direct Debit) Mandate in our favor and also give us four postdated cheques from the account. For
the format of the (Direct Debit) mandate.
Prepayment
You can make part-prepayments during the tenure of the loan at no cost. We would reduce the outstanding
balance of your loan to the extent of the prepayment made by you. The interest on your loan would
therefore be calculated only on the balance loan outstanding. This would help you in either reducing the
tenure of the loan or reducing the monthly installment that you would be paying.
Please Note: For full prepayment of the loan, however a 2%, pre–closure charge would be levied on the
outstanding amount and whatever amount that is pre-paid in the last 12 months, as on date.
6.LOANS TO PROFESSIONALS :
The following people are eligible to apply for Loans for Professionals:
Doctors, Chartered Accountants, Architects, Company Secretaries, and professionals involved in self-practice or
consulting
Individuals who have minimum 4 years of post-qualification experience for Doctors and Chartered Accounts, and
minimum 5 years of post-qualification experience for Company Secretaries and Architects
The business should have a Minimal Annual IT RETUERN 5LACS PER YEAR
The applicant AGE should be at least 25 years at the time of applying for the loan, and should be no older than 65
years at the time of loan maturity
ELIGIBILITY – ELIGIBILITY DEPENDS ON BORROWERS FINANCIAL POSITION & CIBIL track record
APPLY ONLINE
NAME
CONTACT NUMBER-
EMAIL ID-
BUSINESS SEGMENT:
1. MEDICAL EQUIPMENT / Healthcare LOAN
Medical Equipment LOAN: For the purchase of standard medical equipment including CT Scanners, Colour
Dopplers, Sonography Machines, MRI Machines, X-Ray Machines and other medical equipment.
Infrastructure Loan: For the purchase/construction of new premises to set up of Clinics, Diagnostic Centres or
MULTI SPECIALITY Hospitals
ELIGIBILITY:
Have a minimum of 3-5 years of continued occupancy at your present residence/ office.
Carry a minimum experience of 3 years in running a healthcare business.
Possess repayment track records in serving any loan for at least 12 months.
Provide banking details of at least 12 months with any schedule commercial bank. The account needs to carry your major
banking transactions
DOCUMENTS
1. PAN CARD, VOTER ID, AADHAR CARD, PASSPORT OF APPLICANT & COAPPLICANT
4. VAT & GST REGISTRATION COPY (LICENSE) WITH LAST 1 YEAR GST RETURN COPY WITH ACKNOWELWDGEMENT
6. LAST 2 YEARS PROFIT & LOSS ACCOUNT & BALANCESHEET WITH AUDITORS REPORT (3CB, 3CD &3CA)
7. LAST 6month BANK STATEMENT CURRENT ACCOUNT / CASH CREDIT ACCOUNT WITH SANCTION LETTER in pdf format
soft copy
8. LOAN REPAYMENT TRACK .., IF ANY LOAN CONTINUE IN APPLICANT OR CO-APPLICANT NAME
For company MOA , AOA INCORPORATION CERTIFICATE ,PAN CARD AND SHAREHOLING PATTERN AND ABOVE
DOCUMENT ARE COMMON
FOR PARTNERSHIP FIRM partnership deed and pan card AND ABOVE DOCOMENT ARE COMMON
PRE-DISBURSEMENT DOCUMENTS:
1. LOAN AGREEMENT WITH PDC OR ECS
2. MARGIN MONEY RECIEPT
APPLY ONLINE
NAME-
CONTACT NUMBER-
EMAIL ID-
free Term Loan for purchase of new construction and mining equipment to Eligible First Time Buyer, Small, Medium, Larg
rs.
tures: There is no need to shop around anymore for loan options to purchase Commercial/ Construction equipment, Earth Moving
Term loans, that your business may require.
ail of a finance facility for your required equipment from any of your preferred manufacturers including JCB, Telcon, L&T Komatsu, Cat
e, Schwing Stetter, Hyundai, Terex, Ace, Liugong, Greaves, Sany, Putzmeister, Atlas Copco, Apollo and many more.
r:
Commercial/Construction Equipment Loans
adersExcavators,Tipper/ Dumpers, Transit Mixers, Cranes (Pick N Carry, Heavy Duty, Tower & Derrick),Wheel Loaders,Compactors,Road
rs,Dozers,Graders,Compressors,Drills,Hot Mix Plants, Concrete Pumps/ Boom Placers, Crushing Plants,RMC Plants, Rock Breakers,WM
each Stockpiling Rigs and many more
tion
OOF WE CAN ACCEPT SAVING BANK PASSBOOK XEROX, LIC POLICY BOND 1 ST. PAGE XEROX, GAS CARD, POST PAID TELE PHONE BILL
TRATION COPY (LICENSE) WITH LAST 1 YEAR GST RETURN COPY WITH ACKNOWELWDGEMENT
OFIT & LOSS ACCOUNT & BALANCESHEET WITH AUDITORS REPORT (3CB, 3CD &3CA)
NK STATEMENT CURRENT ACCOUNT / CASH CREDIT ACCOUNT WITH SANCTION LETTER in pdf format soft copy
AOA INCORPORATION CERTIFICATE ,PAN CARD AND SHAREHOLING PATTERN AND ABOVE DOCUMENT IS COMMON
FIRM partnership deed and pan card of company required AND ABOVE DOCUMENT IS COMMON
t:
ores
:
Ex-showroom Price.
11.00% TO 11.50%
E- 4% OF PRINCIPAL OUTSTANDING
ON DATE-
RIED , SELF EMPLOYED NON PROFESSIONAL , SELF EMPLOYED PROFESSIONAL
MMERCIAL PROPERTY:
is the most reliable source of fixed income in today’s competitive business era. Banks & NBFCs has providing loans for purchase or construc
lt and under construction commercial property , new construction for generate fixed income
above Rs.50cr can be provided depending upon financial eligibility and CIBIL TRACK RECORD
ON COMMERCIAL PROPERTY
et value or 65% of the registered value inclusive of stamp duty & registration charges (whichever is lower).
- 7-10YEAR MAX
ON DATE-
OJECT FINANCE
is the funding of long-term infrastructure, industrial projects, and public services using a non-recourse or
ial structure. The debt and equity used to finance the project are paid back from the cash flow generated
g is a loan structure that relies primarily on the project's cash flow for repayment, with the project's assets
s secondary collateral.
an would mean any term loan which has been extended for the purpose of setting up of an economic venture of long
ure, industrial, residential and commercial housing, educational institutes and public services based upon a non-re
nancial structure in which project debt and equity used to finance the project are paid back from the cash flow generat
n is available for new project as well as for expansion of an existing project. The project loan generally have long ges
arts after completion of project and commencement of commercial operation. Therefore project loan specifically ha
date. The tenure of loan is mid-term to long-term ranging 5years to 10years with moratorium period of 1year to 3years.
m project loan is considered for the project having shorter gestation period and start generating sufficient revenue
al operation date to meat repayment obligation. The tenure of such loan remains usually for less than 3years with mor
Project loan for short term is common in residential and commercial housing project including redevelopment housing
an is to be utilized to acquire all project related assets like land and building, plant and machinery, equipment’s,
les etc
project loan are high value loan and it is mostly required for capital intensive project like following sector :
R,
-POWER,
infrastructure sector,
ORT & AIRPORT,
SPECIALITY HOSPITAL,
ACTURING AND MINING, (textile, cement, iron & steel,)
s
ze residential and commercial complex,
onal institute,
tion technology
onsor documents
ents
ents
ments
ocuments
tor Contribution
The interest of project finance ranges from 11.00% to 14.50% depending on credit rating , loan tenure and quantum of loan
omoter and bank -20% -25% of promoter and 75%-80% of financing company
ON DATE-
a loan/ cash credit facility sanctioned to an exporter who holds a code number assigned to him by the Directorate
he Pre-Shipment stage. This loan facilitates the exporter to purchase raw materials at competitive rates and manufa
to the requirement of the buyer and organize to have it packed for onward export.. The lending institutions seek
of the exporter from the overseas buyer along with the irrevocable (cannot be canceled once drawn) Purchase Or
g Credit facility will cover all the working capital needs of the exporter including raw materials, wages, packing c
available for generally a period of 90 days and the exporter has to pay lowerrate of interest compared to traditional O
s facility so they can bid the most competitive price for export thus gaining more business opportunities for export
ON DATE-
pment credit’ by way of Bill Discounting or Advance against Export Receivables upto 180 days or tenor as approved by Reserve Bank of India. The fac
granted to an exporter. The loan can also be given against the security of export incentives such as duty draw back and also against undrawn balance
is provided against the evidence of shipment of goods or supplies made to the importer or any other designated agency. The Post Shipment Credit is p
ON DATE -
With the Letter of Credit importers can build up better trust/ confidence in their suppliers and
develop other business relationship at a much faster pace.
The L/C facility can be granted to the importers after assessing their requirement/ credit
worthiness/ financial strength and other parameters being to the satisfaction of the Bank.
APPLY ONLINE
NAME
CONTACT NUMBER-
EMAIL ID-
5.LC Discounting :
Letter of Credit Discount (LC Discount) The Letter of Credit from the prime banks or
financial institutions is considered as a complete security. A borrower can offer the LC
to the lender and get the loan sanctioned. The loan amount may be up to 100% of the
LC value. Once the Letter of Credit is executed the amount against LC is settled by the
lender against the loan disbursed to the borrower.
Letter Of Credit Discounting helps the businesspersons to raise finance quickly for a
shorter period of time
APPLY ONLINE
NAME-
CONTACT NUMBER-
EMAIL ID-
can extend :
ade bills drawn by you and accepted by the dealer/distributor
facility to the dealer/distributor for his business dealing with large corporates
RATION DATE-
BER-
EE :
Credit, the Bank Guarantee is comfort to the buyer or seller for recovering the losses or damages, if the CLIENT, on whose behalf the guarantee is issu
ms of agreement. By issuing this guarantee, the issuing bank is assuring payment of the certain amount of money (as specified in the bank guarantee)
ance of a certain contract according to the terms and conditions contained in the same.
ight be revoked by the seller (beneficiary) when the buyer fails to pay the seller for the goods supplied. In such a situation, the bank pays the beneficiar
arantee. Similarly, on the other side if the Seller fails to deliver the goods or complete the terms of agreement, the bank guarantee may be cancelled by
method is often used in Selling, Buying or Service Providing contracts across countries and / or where both the parties have no established business rel
non fund based limit
arious types of guarantees - performance, financial, bid bond, tenders, customs etc. These guarantees are well accepted by all government agencies
ompanies, Shipping Companies, all Capital Market Agencies such as NSE, BSE, ASE, CSE etc. and all major corporates for participate tenders and en
TION DATE-
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MERCIAL BORROWING :
ercial borrowing (ECBs) are loans in India made by non-resident lenders in foreign currency to Indian borrowers. They are used
to foreign money by Indian corporations and PSUs (public sector undertakings). ECBs include commercial bank loans, buyers'
d instruments such as floating rate notes and fixed rate bonds etc., credit from official export credit agencies and commercial bor
ndow of multilateral financial Institutions such as International Finance Corporation (Washington), ADB, AFIC, CDC, etc. ECBs ca
ck market or speculation in real estate. The DEA (Department of Economic Affairs), Ministry of Finance, Government of India alo
onitors and regulates ECB guidelines and policies.
ency borrowings raised by the Indian corporates from confirmed banking sources outside India are called "External Commer
CBs). These Foreign Currency borrowings can be raised within ECB Policy guidelines of Govt. of India/ Reserve Bank of Ind
e.
LINE
TION DATE-
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stands for Foreign Currency Non-Repatriable account deposits. This is a Fixed Deposit Foreign Currency account an
its in this account can be made in any of the major currencies like US Dollar, UK Pound, Canadian Dollar, Deutsche M
S OF FCNRB)
ency loan amount is to be taken as a part of loan component provided minimum period of the loan is -6- months.
NT IN CURRENCY
y loan can be disbursed in -4- currencies like, US$, Sterling, Euro and Japanese Yen.
s by way of Pre Shipment Credit in Foreign Currency (PCFC)/ Post Shipment Credit in Foreign Currency (PSFC)
n avail this facility by way of pre-shipment credit as well as post shipment credit in foreign currency. All other terms applica
es shall also be applicable to foreign currency advances.
TION DATE-
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Commercial Real Estate Sector has been bifurcated into following broad categories:
scounting
: Minimum-6
Maximum-5 years
: Mortgage of the land over which the building is proposed along with
Personal Guarantee of the Partners / Promoters Corporate Guaran
E
TION DATE-
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Equity Placement
y placement (or non-public offering) is a funding round of securities which are sold without a initial public offerin
of chosen private investors. Private equity placements refer to private capital investors that invest specifically in
s an umbrella term for large amounts of money raised directly from accredited individuals and institutions and p
a range of business ventures. Private equity - Private equities are equity securities of unlisted companies. Priva
id and thought of as a long-term investment. Private equity investments are not subject to the same high level
tock offerings to the general public.
Placement or PEP is a method to raise business finance especially a start up capital by a non conventional mean
es, Gold etc. or term loans, project loans are the conventional ways to raise funds for business. Private Equity P
ng money from other persons.
ails the lender about the business venture and business prospects or opportunities and gets the lender involved in
ess or management. It depends upon the lender whether the lender is willing to participate in either business proc
ATION DATE-
R-
9. MIS
10. CRM:
12. APPLYHERE
13. CARREAR
At Eminence capital & Fincorp , we are looking forward talented and young work force to be part of
our growth journey. India’s banking and finance industry is evolving and being creating more
opportunity in employment and growth of young aspirants.
POSITION :
Description
Develop strong relationships with customers in your assigned area
Achieve targets set for individual products BUSINESS LOAN AND LOAN AGAINST PROPERTY
Process loan applications by liaising with Credit, Legal, Operations teams of the bank
Expertise & Qualifications
B.A/B.SC/B.Com/M.Com, /MBA degree essential
Relevant work experience of 1 to 2 years
Good analytical and relationship management skills
Ability to read, understand and analyse financial statements
Roles & Responsibilities
1. Business Development
Engage with LOCATION in your catchment area through visits and activations
Scope potential clients and assist your OFFICE in building their client base
Conduct marketing activities at your allotted LOCATIONS and catchments areas
2. Relationship Management:
Maintain high levels of engagement with client
Visit customers on a quarterly basis and document visit
Monitor on proposals that come up for renewal
2. Relationship Management:
Maintain high levels of engagement with client
Visit customers on a quarterly basis and document visit
Monitor on proposals that come up for renewal
3.BANK COORDINATOR:
DESCRIPTION
Process loan applications by liaising with Credit, Legal, Operations teams of the bank
Engage with LOCATION in your catchment area through visits and activations
14. USEFULL LINKS (INCOME TAX, GST, MCA, MINISTRY OF FINANCE, CA, CS, FICCI, ASSOCHAM,
WORLD BANK, IFC)
Eminence capital & fincorp is continual strive of employees growth in following code of conduct.
CUSTOMER CENTRIC:
PEOPLE CARE:
INTIGRITY:
EMPLOYEE CHARACTERISTIC:
An employee should possess these characteristic; COMPETENCE (possessing the required knowledge
and skill), CURTEOUSNESS (friendly, respectful, and considerate), CREDIBILITY, TRUSTWORTHY,
RELIABILITY, RESPONSIVENESS (ability to respond quickly to customer’s queries) and GOOD
COMMUNICATION SKILL(understanding the customer problem clearly and responding their
grievance fast).
19. CONTACT US :
Registered office:
BHUBANESWAR-751023
7873622972 / 9437044044
This logo represents
mutual cooperation, mutual growth & integrity.
,BRANCHES