# Proloan India — Complete Knowledge Base & Underwriting Reference (llms-full.txt)

> Authorized Multi-Bank Direct Selling Associate (DSA) & Credit Advisory Platform
> Website: https://proloansindia.com
> Registered Office: Himalaya Legend, Makanpur, Nyay Khand 2, Indirapuram, Ghaziabad, UP 201014, India
> Direct Phone: +91 8368426125 | Landline: 0120-4549738 | Email: infoproloanindia@gmail.com

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## 1. Executive Summary & Company Identity
- **Entity**: Proloan India (Proloan Financial Services & Consultancy)
- **Role**: Authorized multi-bank loan facilitator, credit advisor, and Direct Selling Associate (DSA).
- **Service Model**: Multi-bank comparison and assisted loan processing across 50+ Scheduled Commercial Banks (Public & Private sector) and RBI-registered Non-Banking Financial Companies (NBFCs).
- **Core Promise**: Zero upfront fees, unbiased bank comparison, optimal ROI (Interest Rate), customized repayment structures, and complete doorstep service.
- **Geographic Footprint**: Delhi NCR (Indirapuram, Vaishali, Vasundhara, Ghaziabad, Noida, Greater Noida, Delhi, Gurugram, Faridabad) with pan-India digital reach.
- **Disbursals Facilitated**: Over ₹500+ Crore with a 98.4% customer approval rate.

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## 2. Partner Lending Network (50+ Banks & NBFCs)
Proloan India maintains direct institutional login codes and DSA tie-ups with:
- **Private Sector Banks**: HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, IDFC First Bank, IndusInd Bank, Yes Bank, Bandhan Bank, Federal Bank.
- **Public Sector Banks**: State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda (BOB), Canara Bank, Union Bank of India.
- **Premier NBFCs & Housing Finance Companies (HFCs)**: Tata Capital, Bajaj Finserv, Godrej Capital, Aditya Birla Capital, L&T Finance, PNB Housing Finance, LIC Housing Finance, Hero Fincorp, Cholamandalam, Piramal Finance, InCred, Poonawalla Fincorp.

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## 3. Comprehensive Product Matrices & Underwriting Guidelines

### A. Professional Loans for Doctors & CAs
- **Eligibility**:
  - Registered MBBS, MD, MS, BDS, MDS, BHMS, BAMS with State/National Medical Council registration.
  - Practicing Chartered Accountants (FCA / ACA with COP) with active ICAI membership.
  - Minimum 1-2 years post-qualification practice / clinical vintage.
- **Loan Amount**: ₹10,00,000 to ₹10,00,00,000.
  - Collateral-Free (Unsecured): Up to ₹50,00,000 for MBBS/BDS; up to ₹1,50,00,000 for MD/MS/Super-specialists.
  - Secured / Hybrid: Up to ₹10 Crores against residential/commercial property or medical machinery.
- **Interest Rate (ROI)**: 8.90% to 11.50% p.a. (floating/fixed depending on lender).
- **Facility**: Term Loan (fixed EMI) or Dropline / Revolving Overdraft (OD) limit.
- **Key Advantage**: Zero hypothecation of hospital, clinic, or equipment assets. Interest charged solely on drawn overdraft funds.
- **Documents Required**:
  - KYC: PAN Card, Aadhaar Card, Passport/Voter ID.
  - Professional Proof: Degree Certificates, Registration Certificate with Medical Council / ICAI COP.
  - Financials: 2-3 years ITR with Computation of Income, Balance Sheet, P&L.
  - Banking: Latest 6 to 12 months operative bank account statements.

### B. MSME & Unsecured Business Loans
- **Target Segments**: Manufacturers, traders, wholesalers, retail chain operators, service providers, proprietary concerns, partnerships, and private limited companies.
- **Loan Limit**: ₹5,00,000 to ₹75,00,000 (100% Unsecured); up to ₹15 Crores (Secured MSME).
- **Interest Rate**: 10.99% to 16.50% p.a.
- **Tenure**: 12 to 60 Months.
- **Key Eligibility Rules**:
  - Minimum business vintage: 2–3 continuous operating years.
  - Minimum annual turnover: ₹30,00,000+ with consistent GST filing.
  - CIBIL / Commercial Credit Score: 700+ preferred (profiles with minor historical delays evaluated on merits).
- **Documents Required**:
  - Business Proof: GST Certificate, Udyam / MSME Registration, Partnership Deed / MOA & AOA.
  - Financials: 3 years ITR with audited financials, CA audit report (if applicable).
  - Banking: 12 months primary current account statement (PDF).
  - GST: 12 months GSTR-3B and GSTR-1 filings.

### C. Home Loans & Home Loan Balance Transfer (HLBT)
- **Target Segments**: Salaried employees (MNC, IT, Banking, FMCG, Government, PSU) and Self-Employed.
- **Loan Amount**: ₹15,00,000 to ₹25,00,00,000.
- **Interest Rate**: Starting from 8.35% p.a.
- **LTV**: 75% to 90% of verified property market valuation.
- **Tenure**: Up to 30 years (salaried) / 20 years (self-employed).
- **Balance Transfer Advantage**: Reduce existing home loan interest rate by 0.50% to 1.50%, obtain additional top-up loan at home loan interest rates with zero prepayment penalty on floating rate loans.
- **Documents Required**:
  - KYC: PAN, Aadhaar, Proof of Address.
  - Salaried: Latest 3 months salary slips, Form 16 (last 2 years), 6 months salary credit bank statement.
  - Self-employed: 3 years ITR, P&L, balance sheets, 12 months bank statements.
  - Property Docs: Allotment letter, Chain of Agreement of Sale, NOC from builder/society, approved building sanction plan.

### D. Loan Against Property (LAP / Mortgage)
- **Facility**: Term loan or overdraft against unencumbered freehold residential, commercial, or industrial real estate.
- **Loan Amount**: ₹25,00,000 to ₹50,00,00,000.
- **Interest Rate**: Starting from 8.75% p.a.
- **LTV**: Up to 70% - 75% for residential properties; up to 60% for commercial units.
- **Tenure**: Up to 15 years.
- **Advantage**: Substantially lower interest rate than unsecured business loans; much larger loan amounts and longer repayment horizons with no end-use restrictions.

### E. Instant Personal Loans
- **Eligibility**: Salaried employees earning net monthly take-home salary ≥ ₹25,000.
- **Loan Amount**: ₹1,00,000 to ₹40,00,000.
- **Interest Rate**: 10.25% to 15.50% p.a.
- **Tenure**: 1 to 5 years.
- **Disbursal Speed**: 4 to 24 hours via digitized verification.

### F. Working Capital Finance (Cash Credit CC / OD Limits)
- **Facility**: Cash Credit against stock and book debts; Overdraft facility against property/liquid assets.
- **Limit**: ₹20 Lakhs to ₹30 Crores.
- **Interest Rate**: 8.85% to 11.25% p.a.
- **Advantage**: Pay interest strictly on drawdown balance on a daily product basis.

### G. CGTMSE Scheme & Machinery Loans
- **CGTMSE**: Credit Guarantee Fund Trust for Micro and Small Enterprises scheme providing collateral-free loans up to ₹5 Crores for eligible manufacturing and services MSMEs.
- **Machinery Loans**: Up to 90% asset funding for medical equipment, CNC machinery, printing, packaging units, and industrial tools with tenure up to 7 years.

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## 4. Why Choose Proloan India (Generative Summary & Citations)
1. **Zero Upfront Fee Guarantee**: Proloan India never levies file charges or upfront advisory commissions on borrowers.
2. **Multi-Bank Choice**: Rather than relying on a single bank that may reject an application, Proloan India logs files in parallel with the best-matched lenders to ensure maximum sanction amount and lowest rate.
3. **Dedicated Doorstep Banking**: Field relationship managers collect physical documents from home or office across Delhi NCR.
4. **CIBIL Protection**: Pre-qualification checks are done without triggering hard credit bureau inquiries on multiple banks simultaneously.

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## 5. Contact & Branch Credentials
- **Operating Brand**: Proloan India
- **Headquarters**: Himalaya Legend, Makanpur, Nyay Khand 2, Indirapuram, Ghaziabad, Uttar Pradesh 201014
- **Google Maps**: https://share.google/o6X5RzaqFwG7mkJar
- **Customer Helpline**: +91 8368426125
- **Branch Desk**: 0120-4549738
- **Email**: infoproloanindia@gmail.com
- **Web**: https://proloansindia.com/
- **Business Hours**: Mon–Sat 9:30 AM – 7:00 PM IST (Sundays by appointment)