All Loan Products — Personal, Business, Home, Car, Education & More | MAA Shakti Fin Concept
MAA Shakti Fin Concept — All Loan Products
Complete Loan Directory — Vadodara, Gujarat

Ten Loans, One Trusted Team.

Personal, business, home, vehicle, education and equipment financing — every loan we arrange, explained in detail, matched to the right lender for your profile.

Low CIBIL? No Problem — Your True Financial Support
10 Loan ProductsEvery Need Covered
Mayur & Sakshi Raj9099299665
Based in VadodaraNew VIP Road Office

Loan Eligibility Check

Quick match across lenders

Live
Personal Loan
Eligible
Home Loan
Eligible
Business Loan
Eligible
Car Loan
Eligible
Education Loan
Eligible
10+ Loan Types

0

Loan Products

0Yr

Max Repayment Tenure

0

Dedicated Advisors

24Hr

Callback Promise

Every Loan We Arrange

A Loan for Every
Stage of Life

From your first two-wheeler to your next home — jump straight to the loan you need, or scroll through all ten to see what fits.

01
Unsecured Loan

Personal Loan

Quick, unsecured funding for weddings, medical emergencies, travel or any personal expense — no collateral needed, and disbursal is usually fast once documents are verified.

No CollateralFully unsecured funding
Fast DisbursalQuick turnaround on approval
No End-Use RestrictionUse funds for any purpose
Flexible TenureRepay over months or years
Documents Typically Needed
Identity Proof
Address Proof
Salary Slips / ITR
Bank Statements

Personal Loan Snapshot

Typical range for this product

Loan Amount ₹50K – ₹15L
10.5%+Interest From
5 YrsMax Tenure
2–4 DaysProcessing
02
Working Capital & Growth

Business Loan

Working capital, inventory purchase or expansion funding, sized to your business's actual cash flow — for traders, manufacturers, shopkeepers and service businesses across Vadodara.

Growth-Sized FundingMatched to your turnover
Working CapitalInventory, payroll, operations
GST & ITR BasedAssessed on business filings
Secured & UnsecuredOptions based on your profile
Documents Typically Needed
Identity Proof
GST Returns
ITR (2–3 Years)
Bank Statements

Business Loan Snapshot

Typical range for this product

Loan Amount ₹2L – ₹75L
11%+Interest From
7 YrsMax Tenure
4–7 DaysProcessing
03
Buy, Build or Purchase

Home Loan

Competitive rates and long tenures for buying a ready flat, booking under construction property, or building on your own plot — with guidance on the right lender for your income profile.

Up to 20 YearsLong, manageable tenure
Competitive RatesAcross our lender network
Ready or Under-ConstructionBoth property types
Self-Construction TooLoan for building on your plot
Documents Typically Needed
Identity Proof
Property Papers
Income Proof
Bank Statements

Home Loan Snapshot

Typical range for this product

Loan Amount ₹5L – ₹1Cr
8.35%+Interest From
20 YrsMax Tenure
7–10 DaysProcessing
04
Secured Against Property

Mortgage Loan

Raise funds by mortgaging your residential or commercial property while retaining ownership — a straightforward way to access a larger loan amount at a lower rate than unsecured borrowing.

You Retain OwnershipProperty stays in your name
Lower Interest RateBecause it's secured lending
Higher Loan AmountSized to property valuation
Extended TenureComfortable repayment schedule
Documents Typically Needed
Identity Proof
Property Title Deed
Income Proof

Mortgage Loan Snapshot

Typical range for this product

Loan Amount ₹5L – ₹1.5Cr
9.5%+Interest From
15 YrsMax Tenure
5–8 DaysProcessing
05
Two-Wheeler Financing

Old & New Bike Loan

Finance a new two-wheeler or a pre-owned one, with simple documentation and quick approval — ideal for daily commuters and first-time buyers alike.

New & Used BikesBoth categories financed
Same-Day ApprovalOften possible on clean profile
Low Down PaymentMinimal upfront amount
Flexible EMITenure suited to your budget
Documents Typically Needed
Identity Proof
Address Proof
Income Proof

Bike Loan Snapshot

Typical range for this product

Loan Amount ₹20K – ₹2L
10%+Interest From
4 YrsMax Tenure
1–2 DaysProcessing
06
Four-Wheeler Financing

New & Old Car Loan

Drive home your next car — new or pre-owned — with financing built around your income and repayment comfort, and support comparing offers across lenders.

New & Used CarsBoth categories financed
Competitive RatesCompared across lenders
Up to 90% FinancingOn-road price coverage
Up to 7 YearsExtended repayment tenure
Documents Typically Needed
Identity Proof
Address Proof
Income Proof
Bank Statements

Car Loan Snapshot

Typical range for this product

Loan Amount ₹1L – ₹20L
9.25%+Interest From
7 YrsMax Tenure
2–4 DaysProcessing
07
Higher Studies Funding

Education Loan

Fund tuition, hostel and living costs for higher studies in India or abroad, with repayment usually starting after the course ends — so the loan doesn't strain the family while studies are on.

India & AbroadBoth study destinations
Moratorium PeriodRepayment starts post-course
Covers Tuition & LivingFull-cost financing options
Co-Applicant OptionParent or guardian can co-sign
Documents Typically Needed
Student & Co-Applicant ID
Admission Letter
Fee Structure
Income Proof

Education Loan Snapshot

Typical range for this product

Loan Amount ₹1L – ₹40L
9.5%+Interest From
10 YrsMax Tenure
7–12 DaysProcessing
08
Purchase Financing

Property Loan

Financing to purchase a plot, shop, office or investment property — assessed on the asset itself, with guidance on legal documentation before you commit.

Plots, Shops & OfficesWide range of property types
Legal Check GuidedTitle verification support
Competitive RatesAcross our lender network
Long Tenure AvailableComfortable EMI planning
Documents Typically Needed
Identity Proof
Sale Agreement
Income Proof

Property Loan Snapshot

Typical range for this product

Loan Amount ₹5L – ₹1Cr
9%+Interest From
15 YrsMax Tenure
7–10 DaysProcessing
09
Government-Backed Scheme

Mudra Loan

Funding under the government's Pradhan Mantri Mudra Yojana for micro and small enterprises — Shishu, Kishor and Tarun categories cover businesses at every growth stage, often without collateral.

Govt-Backed SchemePMMY — Shishu / Kishor / Tarun
Collateral-FreeUp to scheme-defined limits
For Micro EnterprisesShops, small units, vendors
Subsidised RatesFavourable government pricing
Documents Typically Needed
Identity Proof
Business Proof / Udyam
Business Plan

Mudra Loan Snapshot

Typical range for this product

Loan Amount ₹50K – ₹10L
8.5%+Interest From
5 YrsMax Tenure
5–8 DaysProcessing
10
Equipment Financing

Machinery Loan

Purchase or upgrade equipment for your factory, workshop or farm — financing structured around the machine's useful life, so repayment matches the productivity it brings.

New & Used EquipmentBoth categories financed
Factory, Farm & WorkshopWide use-case coverage
Competitive RatesCompared across lenders
Tenure Matched to AssetAligned with equipment life
Documents Typically Needed
Identity Proof
Machine Quotation
Business Proof
Bank Statements

Machinery Loan Snapshot

Typical range for this product

Loan Amount ₹2L – ₹50L
11%+Interest From
7 YrsMax Tenure
5–8 DaysProcessing
11
Secured Loan

Loan Against Property (LAP)

Unlock the value sitting in your residential or commercial property without selling it. Use the funds for business expansion, education or debt consolidation — sized to your property's market value, with the property staying in your name throughout.

Up to 65% of ValueLoan sized to market valuation
Up to 15 YearsFlexible repayment tenure
Residential or CommercialBoth property types accepted
No End-Use RestrictionUse funds for any purpose
Documents Typically Needed
Identity Proof
Property Title Deed
Income Proof

LAP Snapshot

Typical range for this product

Loan Amount ₹5L – ₹1.5Cr
9%+Interest From
15 YrsMax Tenure
7–10 DaysProcessing
12
Improvement Financing

Home Renovation Loan

Extend a room, redo the kitchen, waterproof the terrace, or give the whole house a fresh look — financed to match how renovation spending actually happens, with staged disbursal available for larger projects.

Repairs to Full RemodelsKitchen, bathroom, extensions
Fast SanctionFaster than a fresh home loan
Staged Disbursal OptionRelease funds as work progresses
Lower Rate Than Personal LoanBecause it's secured by your home
Documents Typically Needed
Identity Proof
Property Papers
Renovation Estimate

Renovation Loan Snapshot

Typical range for this product

Loan Amount ₹1L – ₹25L
9.75%+Interest From
10 YrsMax Tenure
5–7 DaysProcessing
13
Balance Transfer

Home Loan
Balance Transfer

Paying a higher interest rate than what's available today? We move your outstanding home loan balance to a lender offering better terms — reducing your EMI or tenure, without disturbing your ownership, with a top-up option available too.

Lower Interest RateMove to today's better rates
Shorter or Same TenureYour choice on the new terms
Top-Up Option IncludedAdd extra funds during transfer
Minimal PaperworkWe coordinate with both lenders
Documents Typically Needed
Existing Loan Statement
Property Papers
Identity Proof

Balance Transfer Snapshot

Illustrative example — 30L outstanding

Estimated Monthly Saving ₹2,900
8.35%+New Rate From
20 YrsMax Tenure
7–10 DaysProcessing
14
Specialised Land Financing

Loan Against Akarni Documents

Own land backed by akarni records rather than a standard sale deed? Most lenders turn this away — we work specifically with NBFCs and lenders in Gujarat who understand akarni documentation and can structure a loan against it, with full verification support.

Akarni Land AcceptedWhere standard lenders say no
Document Verification SupportWe guide the legal check
Legal Opinion CoordinatedHandled with our partner lenders
Gujarat Land RecordsLocal expertise, local lenders
Documents Typically Needed
Akarni / 7-12 Extract
Land Survey Number
Identity Proof

Akarni Loan Snapshot

Typical range for this product

Loan Amount ₹3L – ₹40L
11%+Interest From
10 YrsMax Tenure
10–15 DaysProcessing
15
Add-On Financing

Home Top-Up Loan
for Personal Expenses

Already repaying a home loan with a clean track record? A top-up adds to your existing loan without a fresh, full application — for a wedding, medical expense, or any personal need. Faster processing, and usually a better rate than a personal loan.

Faster Than Fresh LoanExisting relationship, less paperwork
Lower Rate Than Personal LoanPriced closer to home loan rate
No End-Use RestrictionUse it for any personal expense
Aligned RepaymentRuns alongside your existing EMI
Documents Typically Needed
Existing Home Loan Statement
Identity Proof

Top-Up Loan Snapshot

Typical range for this product

Loan Amount ₹1L – ₹30L
8.75%+Interest From
15 YrsMax Tenure
3–5 DaysProcessing
Who Can Apply

General Eligibility
Across These Loans

Exact criteria vary by lender and loan type — your advisor will confirm what applies to you. As a starting point:

Age 21–60

At the time of application, for most loan categories.

Stable Income

Salaried, self-employed or business income with proof.

Low CIBIL Considered

We match you to lenders flexible on credit history.

Vadodara & Nearby

Local documentation and verification support.

Simple Process

How to Get Started

The same four steps, whichever of the ten loans fits your need.

1
Enquire

Tell us which loan fits your need.

2
Document Check

Your advisor verifies eligibility and documents.

3
Lender Matching

Application placed with the best-fit bank or NBFC.

4
Approval & Disbursal

Funds released, with support after that too.

Common Questions

Loan Product FAQs

Which loan should I apply for if I'm not sure?

Call or WhatsApp us with what you need the funds for — your advisor will point you to the right product and lender, at no cost for the initial consultation.

Can I apply if my CIBIL score is low?

Yes. We work with a network of lenders, several of whom are more flexible on credit history, especially for secured loans like home, mortgage and property loans.

How long does approval usually take?

It depends on the loan type — unsecured loans like personal and bike loans can move in a day or two, while secured loans involving property typically take about a week for verification.

Do you charge for the initial consultation?

No, the first conversation about your eligibility and options is free. Advisory fees, where applicable, are discussed transparently before you proceed.

Can I combine two loans, like a car loan and a personal loan?

In many cases yes, subject to your income and existing repayment obligations — your advisor will assess your total eligibility across products before you apply.

Not Sure Which Loan Fits? Let's Talk.

10 Loan Products, One Advisory Team — MAA Shakti Fin Concept

Get In Touch

Tell Us What You Need —
We'll Take It From There

Reach out directly — an advisor will call you back the same day.

Call Us

Speak directly with Mayur Raj or Sakshi Raj for quick answers.

+91 90992 99665
Email Us

Send your documents and questions any time.

mayurraj1975@gmail.com
Visit Us

Drop by our office for an in-person consultation.

A-1, Amar Nagar, Khodiyar Nagar Char Rasta,
New VIP Road, Vadodara, Gujarat — 390022