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info@swastikfinance.in

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SCO 3 Mohali City Center, Block F Airport road, Aerocity Mohali Punjab 140603




Welcome to Swastik Finance, where we believe in empowering small businesses to reach new heights. Introducing Sampann Loan, an innovative, unsecured financial solution designed for self-employed non-professionals (SENP), proprietors, and individuals. Our Sampann Loan is crafted to meet the essential working capital needs of small businesses in the Trading, Manufacturing, Services, and Livestock sectors.


Loan Against Property: Unlock the Value of Your Asset

What is a Loan Against Property?

A Loan Against Property (LAP) is a secured loan that allows you to borrow funds by pledging your residential, commercial, or industrial property as collateral. Whether you need funds for personal or business purposes, a LAP offers you access to substantial amounts of capital at competitive interest rates, with flexible repayment options.

Key Features of Sampann Loan

  • Loan Amount: Borrow up to 70-80% of the market value of your property.
  • Repayment Options: Flexible EMI options with tenure ranging from 5 to 20 years.
  • Interest Rates: Competitive and affordable rates based on your eligibility and the type of property.
  • Processing Fees: Transparent and minimal processing charges.
  • Prepayment and Foreclosure: Options for prepayment or foreclosure with no hidden fees, depending on the lender's policy.

    • Benefits of Choosing Sampann Loan

  • Access to Large Loan Amounts get access to funds without selling your property.
  • Flexible Repayment Terms Choose a repayment plan that suits your financial situation.
  • Tax Benefits Enjoy potential tax benefits on the interest paid (subject to applicable tax laws).
  • Minimal Documentation The documentation process is simple, transparent, and straightforward..
  • Retain Ownership Retain ownership of your property while using its value to meet your financial needs.
    • CLASSIFICATION DOCUMATION TICKET SIZE ANNUAL INCOME
    Secured Loan
  • Aadhaar Card
  • Udyam Assist
  • Bank Account
    		•  ₹ 2Lac - 5Lac ₹ 3Lac - 4 Lakh

    Benefits to Swastik :- Benefits to Swastik:- MSME PSL Classification, Formalization of sector, increased funding potential from Banks / NBFCs.



    Product Details for SWASTIK Sampann Loan (SSL)


    Target Segment

  • Focus: Missing middle segment without access to formal financial credit.
  • Objective: Provide simple, straightforward financial products aimed at micro-enterprises.
  • Service: Deliver affordable financial services at the borrower's doorstep.

    • Caution Profile

  • Borrower's occupation should not be listed in the Negative Profile List (refer to Annexure).

    • Loan Details

  • Loan Amount: INR 20,000 to 40,000 (Maximum Cap for NTC: INR 25,000)
  • Loan Tenure: 52 weeks

    • Criteria

  • Gender: Female/Male
  • Applicant Age: 18 to 58 years
  • Co-Applicant Age: 18 to 58 years

    • Loan Purpose

  • Intended for business or income-generating activities, purchase of assets or inventory, and asset creation.
  • Not for speculative purposes.



    • 3.1 KYC (Know Your Customer)

    Applicant KYC

    I. Primary ID: - (Mandatory)

  • Aadhar Card

    • II. Secondary KYC

  • Voter Card or Pan Card.

    • III. Address cum ownership Proof (Anyone)

  • Digital Ration Card.
  • Electricity Bill/ Water Bill/ House Tax receipt. (Upto 3 Month Old).


    • Co-Applicant KYC

    I. Primary ID: - (Mandatory)

  • Aadhar Card

    • II. Secondary KYC

  • Voter Card or Pan Card.


    • KYC Guidelines

  • Photocopies of all the documents to be collected after taking customer signature and physically verifying with the originals (Aadhaar details should be masked properly front and back side).
  • Photocopies of documents must capture a clear image of KYC (front and backside) and Customer credentials(Name, KYC No,Addressetc.)
  • BM has to sign on each photocopy of the document by writing OSV (Original Seen andVerified).He/ shealso should write his/her name and EMP ID onthesame.