Loan Services - Online Service Center Dhaka
LOANS All Loan Types Under One Roof

The Right Loan for Every NeedProfessional Guidance, Fast Processing

Personal, home, business, vehicle, gold, education, tractor, two wheeler, OD/CC and government scheme loans — expert support from application to disbursal.

All Loans

13+ Categories

Personal LoanUp to ₹25L
Home LoanFrom 8.5%
Business LoanUp to ₹50L
Gold LoanSame Day
Education LoanUp to ₹20L
OD / CCFlexible
Vehicle LoanAll Types
Govt SchemesSubsidized
PL 10.5%
HL 8.5%
BL 11.0%
GL 9.0%
CL 8.75%
EL 9.0%
TL 10.0%
LAP 9.5%
OD/CC 11.5%
Mudra 8.0%
PL 10.5%
HL 8.5%
BL 11.0%
GL 9.0%
CL 8.75%
EL 9.0%
TL 10.0%
LAP 9.5%
OD/CC 11.5%
Mudra 8.0%
Personal Loan Home Loan Business Loan New Car Used Car Two Wheeler Gold Loan Education Tractor LAP OD / CC Micro Loan PM Mudra PMEGP PMAY Personal Loan Home Loan Business Loan New Car Used Car Two Wheeler Gold Loan Education Tractor LAP OD / CC Micro Loan PM Mudra PMEGP PMAY
Vehicle Loans

Drive Home Your Dream Vehicle

New car, used car, two wheeler or tractor — competitive rates and easy repayment from all major lenders

New

New Car Loan

Finance any new car from all top brands at the best rates.

8.75%
Starting p.a.Up to ₹75 Lakhs
Up to 100% on-road
Tenure up to 7 years
All brands covered
HatchbackSUVSedan
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Used

Used Car Loan

Best-in-class used car loans from dealers or individuals.

11.5%
Starting p.a.Up to ₹30 Lakhs
Cars up to 10 years old
Up to 80% value
RC transfer support
Pre-OwnedCertified
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Two Wheeler Loan

Bikes and scooters at competitive rates with fast approval.

9.7%
Starting p.a.Up to ₹3 Lakhs
All brands & models
Minimal income proof
Tenure up to 4 years
BikeScooterEV
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Agri

Tractor Loan

Tractors and farm equipment with subsidized rates.

10.0%
Starting p.a.Up to ₹20 Lakhs
New & used tractors
Subsidized for farmers
Tenure up to 7 years
TractorFarm Equip
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Business & Commercial

Fuel Your Business Growth

Term loan, loan against property, overdraft/cash credit and micro finance — for businesses of all sizes

MSME

Business Term Loan

Lump-sum for expansion, equipment or inventory.

11.0%
Starting p.a.Up to ₹50 Lakhs
GST businesses
Tenure 12–84 months
Minimal collateral
MSMEProprietorship
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LAP

Loan Against Property

Use property as collateral for higher amounts.

9.5%
Starting p.a.Up to ₹5 Crore
Residential & commercial
65% property value
Up to 20 years
ResidentialCommercial
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OD/CC

Overdraft / Cash Credit

Revolving credit for daily operations and inventory.

11.5%
Starting p.a.As per limit
Interest on used amount
Revolving facility
Annual renewal
OverdraftCash Credit
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Micro

Micro Loan

Small ticket loans for micro enterprises and vendors.

12.0%
Starting p.a.Up to ₹2 Lakhs
No collateral
Minimal docs
24-hour disbursal
MicroVendor
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Education

Education Loan

Finance higher education in India or abroad. No EMI during study period with tax benefit under Section 80E.

9.0%
Starting p.a.Up to ₹20 Lakhs
No EMI during study period
Tax benefit under Section 80E
Tenure up to 15 years
Covers all study expenses
India & abroad both covered
IndiaAbroadUndergraduatePostgraduate
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Savings

Balance Transfer

Transfer existing high-interest loan to save on EMI or get additional top-up amount on your current loan.

8.5%
Starting p.a.As per existing loan
Reduce monthly EMI burden
Get extra top-up funds
All loan types eligible
Minimal re-documentation
Save up to ₹5,000/month
HomeBusinessPersonalCar
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Government Schemes

Subsidized Loans for Every Citizen

We identify the right scheme, prepare documents and get approvals faster

PM Mudra Loan

Pradhan Mantri MUDRA Yojana

For small business owners, vendors and micro enterprises. No collateral. Three tiers available.

Shishu: ₹50KKishore: ₹5LTarun: ₹10L
Apply Now

PMEGP Scheme

PM's Employment Generation

15–35% subsidy on project cost for new micro enterprises in manufacturing or services.

Up to ₹25L35% SubsidyNew Units
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PMAY Subsidy

Pradhan Mantri Awas Yojana

Up to ₹2.67 lakhs interest subsidy for EWS/LIG category home loan buyers.

₹2.67L SubsidyEWS/LIGFirst Home
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Kisan Credit Card

Agricultural Credit

Short-term credit for cultivation, post-harvest needs and allied activities with subsidized rates.

FarmersLow InterestShort-Term
Apply Now

Stand Up India

SC/ST & Women

₹10L to ₹1Cr for SC, ST and women borrowers for greenfield enterprises.

₹10L–₹1CrSC/ST/WomenGreenfield
Apply Now

Startup India

SIDBI Support

Collateral-free loans for DPIIT-registered startups with credit guarantee scheme.

No CollateralDPIITPriority
Apply Now
Why Choose Us

Why OSC Dhaka for Your Loan

Dedicated support from enquiry to disbursal and beyond

13+ Loan Categories

Personal, home, business, vehicle, gold, education, tractor, two wheeler, OD/CC, micro and all govt scheme loans — one platform.

50+ Bank Partners

SBI, HDFC, ICICI, Axis, Kotak, PNB, BOB and top NBFCs — we compare to get you the best deal.

Fast Processing

Same-day pre-approval, quick documentation and fast disbursal — no unnecessary delays.

CIBIL Score Support

Low score? We help improve your credit profile before applying to maximize approval chances.

Complete Document Help

Prepare, verify and submit all documents correctly — reducing rejection risk significantly.

Govt Scheme Expertise

Mudra, PMEGP, PMAY, KCC — identify and apply for the right scheme for maximum subsidy benefit.

Process

Get Your Loan in 4 Simple Steps

From enquiry to disbursal — completely hassle-free

1
Submit Enquiry

Fill the form with loan type, amount and income. Under 2 minutes.

2
Expert Calls You

Advisor assesses eligibility and guides you to the best option.

3
Document Submission

We prepare and submit all documents correctly — no gaps.

4
Loan Disbursed!

Amount credited to your account. Post-disbursal support continues.

Rate Comparison

Interest Rate Comparison Graph

Visual comparison of starting interest rates across all loan types — lower is better

Starting Interest Rate (p.a.) — Lower Rate = Better Deal
PM MudraGovt Scheme
8.0%
8.0%p.a.
Home LoanProperty Secured
8.5%
8.5%p.a.
New CarVehicle Finance
8.75%
8.75%p.a.
TractorAgriculture
10.0%
10.0%p.a.
Gold LoanAgainst Jewellery
9.0%
9.0%p.a.
EducationStudy Finance
9.0%
9.0%p.a.
Personal LoanNo Collateral
10.5%
10.5%p.a.
Business LoanMSME / Term
11.0%
11.0%p.a.
OD / CCWorking Capital
11.5%
11.5%p.a.
Used CarPre-Owned
11.5%
11.5%p.a.
Micro LoanSmall Ticket
12.0%
12.0%p.a.
Client Stories

Loans Delivered, Dreams Fulfilled

Real experiences from clients who trusted OSC Dhaka

"Got my home loan approved at 8.6% — much lower than what my bank offered directly. Entire process was smooth."

RK
Rahul KumarBusiness Owner, DhakaHome Loan ✓

"Business loan of ₹25 Lakhs within 4 days. The advisor identified the right MSME scheme and got it done fast."

AD
Amit DevShop Owner, MotihariBusiness Loan ✓

"CIBIL was 620, rejected twice. They improved my profile in 45 days and got my personal loan sanctioned."

VS
Vikash SinghSalaried ProfessionalPersonal Loan ✓

"Mudra loan approved under Kishor category in 8 days. Advisor explained each step clearly."

SK
Sunil KumarFarmer, DhakaMudra Loan ✓

"Gold loan — ₹3.5 Lakhs in my account same day for medical emergency. Excellent fast support."

MG
Manish GoyalDhakaGold Loan ✓

"Transferred home loan to lower rate. Saving ₹4,200/month now. They handled everything."

KN
Kavita NairMotihariBalance Transfer ✓
FAQ

Common Loan Questions

Everything you need to know before applying

What is the minimum CIBIL score needed to get a loan?
Most banks prefer 700+ for personal and business loans. Home and secured loans available from 650+. If your score is low, we help improve your credit profile before applying.
How long does loan approval take?
Personal and gold loans: 4–24 hours. Car loans: 1–2 days. Business and home loans: 3–7 working days. We speed this up by ensuring correct documents.
Do I need collateral for a business loan?
Many schemes like PM Mudra, CGTMSE-backed loans and working capital loans are available without collateral. We identify the right scheme for you.
What is an OD/CC loan and who is it for?
OD (Overdraft) and CC (Cash Credit) are working capital facilities where you pay interest only on the amount actually used. Ideal for businesses with fluctuating cash flow.
Can I apply if I already have an existing loan?
Yes, as long as your FOIR stays within 40–50% of income. We calculate eligibility considering existing EMIs.
What is a balance transfer and should I go for it?
Moving your loan from high-interest to lower-rate lender. Advisable when rate difference is 0.5%+ with significant remaining tenure. We calculate actual savings before recommending.

Ready to Apply for Your Loan Today?

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