Sahi Secured Loan

Sahi Faisla - Find the best secured loan for you!

What's your top priority when looking for a loan?

Choose the option that best matches your needs

How to use our Sahi Secured Loan Finder?

Our Sahi Secured Loan Finder helps you discover the most suitable secured loan option based on your specific needs and preferences.

  1. Select your primary requirement - Quick disbursement, Maximum value, or Lowest interest rates
  2. Answer follow-up questions about your preferences and available collateral
  3. Review personalized loan recommendations with detailed features and considerations
  4. Compare different options to make an informed decision

Types of Secured Loans Available

Secured loans are credit facilities where you pledge an asset as collateral. Common types include:

  • Gold Loans - Quick processing with up to 70% of gold value
  • Property Loans - Higher loan amounts with longer tenure
  • Insurance Policy Loans - Up to 90% of surrender value
  • Mutual Fund Loans - Same-day processing available
  • Government Scheme Loans - EPF, PPF with minimal interest rates

Benefits of Secured Loans

  • Interest Rates: Lower than unsecured loans (8-18% vs 12-36%)
  • Loan Amount: Higher loan values based on collateral worth
  • Processing Time: Fast approval for certain collateral types
  • Credit Score: Less emphasis on credit history

Key Factors to Consider

  • Loan to Value Ratio (LTV): The percentage of asset value you can borrow varies by collateral type (25-90%)
  • Processing Time: Ranges from same-day to several weeks depending on the loan type
  • Documentation: Required paperwork varies based on collateral and loan amount
  • Interest Calculation: Understanding fixed vs reducing balance methods
  • Repayment Terms: Flexibility in tenure and repayment structure

Making the Right Choice

The best secured loan option depends on multiple factors:

  • Urgency of funds needed
  • Value of collateral available
  • Preferred interest rates
  • Repayment capacity
  • Processing time requirements

Use our Loan Finder to match these preferences with available options and make an informed decision.