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FAQs

Get Answers to Your Most Common Loan & Financial Queries

At Transparent Infrastructure and Investment, we understand that applying for a loan, subsidy, or financial assistance can be overwhelming. To make the process easier for you, we have compiled a list of the most frequently asked questions regarding our services, loan eligibility, documentation, and approval process.

faq’s

1. General Loan FAQs

Q1: What types of loans do you offer? We provide a wide range of loans, including:
✔ Business Loans (MSME, Working Capital, Expansion Loans) ✔ Personal Loans (Unsecured & Secured) ✔ Home Loans (New Home, Renovation, Balance Transfer) ✔ Education Loans (Domestic & Overseas Studies) ✔ Mortgage & Property Loans (Loan Against Property) ✔ Vehicle Loans (Car, Two-Wheeler & Commercial Vehicle Loans) ✔ Subsidy & Government Financial Assistance Loans
Q2: How do I check my loan eligibility?
You can check your eligibility by: ✔ Visiting our Loan Eligibility & Process page ✔ Providing basic details like income, employment, credit score & loan type ✔ Consulting our financial experts for a free assessment
Q3: How much loan amount can I get approved for?
The loan amount depends on various factors such as: ✔ Income Level & Business Turnover ✔ Credit Score & Repayment History ✔ Collateral (For Secured Loans) ✔ Loan Type & Tenure
Q4: What is the minimum credit score required for a loan?
✔ For unsecured personal & business loans – Minimum 650+ ✔ For home & mortgage loans – 600+ (can vary based on property value) ✔ For MSME & startup loans – Credit score is reviewed along with financials
Q5: What is the typical interest rate for business and personal loans?
✔ Business Loans: Starts from 8% per annum ✔ Personal Loans: Starts from 10% per annum ✔ Home Loans: Starts from 7.5% per annum ✔ Loan Against Property: Starts from 7.5% per annum

2. Loan Process & Documentation FAQs

Q1: What documents are required to apply for a loan?
The basic documents required are: 📑 KYC Documents (Aadhaar, PAN, Passport) 📑 Income Proof (Salary Slips, IT Returns, Business Financials) 📑 Bank Statements (Last 6-12 months) 📑 Property Documents (For Home Loan & Mortgage Loans) 📑 Business Registration Certificate (For MSME & Business Loans)
Q2: How long does the loan approval process take?
✔ Personal & Business Loans: 24-72 hours ✔ Home Loans & Loan Against Property: 5-10 days ✔ MSME Loans & Government-Backed Loans: 5-15 days
Q3: Can I get a loan without collateral?
Yes! We offer unsecured loans such as: ✔ Personal Loans (Up to ₹50 lakh) ✔ Business Loans (Up to ₹1 crore) ✔ Education Loans (Up to ₹50 lakh)
Q4: Can I apply for a loan if I have a low credit score?
✔ Yes! We provide: ✔ Credit rating repair services to improve eligibility ✔ Collateral-based loans (Loan Against Property, Gold Loan) ✔ Customized repayment plans to improve financial health

faq’s

3. Loan Repayment & EMI FAQs

Q1: How do I repay my loan?
You can repay your loan through: ✔ Monthly EMIs via Auto-Debit (ECS/NACH) ✔ Online Payments (Net Banking, UPI, Mobile Apps) ✔ Post-dated Cheques (For Secured Loans)
Q2: Can I prepay or foreclose my loan before tenure ends?
✔ Yes! Most loans allow prepayment with minimal or zero foreclosure charges ✔ Home & Business Loans: Partial prepayments allowed ✔ Personal Loans: Pre-closure depends on the lender’s policy
What happens if I miss an EMI payment?
✔ Late payment penalties may apply (varies by lender) ✔ Your credit score may be impacted ✔ We offer loan restructuring & EMI management services

4. Subsidy & Financial Assistance FAQs

Q1: What government subsidies & financial assistance programs do you offer?
We help businesses & individuals access: ✔ MSME & Startup Subsidies ✔ Housing Loan Subsidies (PMAY, EWS/LIG Subsidies) ✔ Education Loan Grants & Student Assistance ✔ Export & Manufacturing Industry Subsidies ✔ Agriculture & Rural Business Financial Aid
How can I apply for a subsidy or government financial assistance?
✔ Step 1: Check eligibility with our subsidy experts ✔ Step 2: Submit required documents (business, property, tax records) ✔ Step 3: Application filing & processing ✔ Step 4: Subsidy disbursal or loan approval
Q3: Are there any specific subsidies for women entrepreneurs & startups?
Yes! Government schemes such as: ✔ MUDRA Loan for Women ✔ Stand-Up India Scheme ✔ Startup India Grants & MSME Subsidies

Get in Touch

Visit Us

C205 Time Square Nr. Jade Blue, Above Panchratna Jewellers, C.G.Road, Navrangpura, Ahmedabad 380009

Contact Us

+91 95 8647 8627

Mail Us

info@transparentinvestment.in

At Transparent Infrastructure and Investment, we are committed to helping businesses and individuals navigate the complex world of loans, financial planning, debt restructuring, subsidy assistance, and investment strategies.

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FAQs | Transparentinvestment.in

Get Answers to Your Most Common Loan & Financial Queries

Still have questions?

1. General Loan FAQs

Q1: What types of loans do you offer? We provide a wide range of loans, including:

Q2: How do I check my loan eligibility?

Q3: How much loan amount can I get approved for?

Q4: What is the minimum credit score required for a loan?

Q5: What is the typical interest rate for business and personal loans?

2. Loan Process & Documentation FAQs

Q1: What documents are required to apply for a loan?

Q2: How long does the loan approval process take?

Q3: Can I get a loan without collateral?

Q4: Can I apply for a loan if I have a low credit score?

3. Loan Repayment & EMI FAQs

Q1: How do I repay my loan?

Q2: Can I prepay or foreclose my loan before tenure ends?

What happens if I miss an EMI payment?

4. Subsidy & Financial Assistance FAQs

Q1: What government subsidies & financial assistance programs do you offer?

How can I apply for a subsidy or government financial assistance?

Q3: Are there any specific subsidies for women entrepreneurs & startups?

Still have questions?

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Visit Us

Contact Us

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