📌 Frequently Asked Questions (FAQ)
S D Financial Solution Services – Empowering You Financially
💳 1. What types of loan services do you offer?
We offer a wide range of financial solutions, including:
• Personal Loans
• Home Loans
• Loan Against Property (LAP)
• Business Loans (including MSME Loans)
• Overdraft (OD) & Cash Credit (CC) Facilities
• Corporate & Specialized Loan Services
🏡 2. What is a Loan Against Property (LAP)?
Loan Against Property is a secured loan where you pledge your residential or commercial property to access funds for personal or business needs.
👥 3. Do you charge any fees for retail loan services?
No! We do not charge any service fees for retail loans like business loans, personal loans, home loans, or loan against property. Our retail services are absolutely free for customers.
🏢 4. Are there charges for specialized services or corporate loans?
Yes, nominal charges are applicable for corporate loans, MSME loans, and specialized services. These are discussed transparently with you during the consultation process.
🧾 5. What documents are required to apply for a loan?
Typical documents include:
• KYC (PAN, Aadhaar)
• Income proof (ITR, Salary slips, Bank statements)
• Business proof (for self-employed or MSME loans)
• Property documents (for LAP or home loans)
We’ll guide you based on your loan type.
⏳ 6. How long does it take to get loan approval?
Loan approval timelines vary depending on the loan type and documentation. In general:
• Retail loans: 2–5 working days
• Business/Corporate loans: 5–10 working days
💼 7. What is an Overdraft or Cash Credit facility?
These are flexible credit lines for businesses to manage working capital needs:
• Overdraft (OD): Withdraw up to a limit as needed, pay interest only on used amount.
• Cash Credit (CC): Similar to OD, based on stock/assets for working capital.
📈 8. Do you assist new businesses or startups?
Yes! We help MSMEs and startups with suitable funding options, including unsecured business loans, working capital, and term loans.
📞 9. How can I apply or get in touch?
Simply reach out to us:
🌐 Website: www.sdfinances.com
📞 Phone:
033 46051659
📧 Email: info@sdfinances.com
Or fill out the loan inquiry form on our website, and our team will get back to you promptly.