info@lakhdatarnidhi.com

0512-3100273, 8948882277

Term & Conditions

Terms

  • Loan Period :
    Minimum loan period is One Year and Maximum Loan period is Twenty Years.
  • Processing Fees :
    The applicant for loan will pay the processing fee through Demand Draft (DD) in favour of M/s LAKHDATAR ASHRAY NIDHI LIMITED , Kanpur, U.P., India after having received the approval Offer.
  • Disbursement Period:
    If the location of applicant for loan is situated within 200km from office of company is Ten (10) days and if more distance than 200 km is Forty (40) days.
    Nature of Property Guarantee:
    Indian Properties of all sorts are accepted for Guarantee.
  • Guarantors:
    For approval of loan the M/s LAKHDATAR ASHRAY NIDHI LIMITED will accept the guarantor according to amount of loan. If the guarantor is employ (Government and Pvt. Ltd.) will have to surrender the Official Undertaking Bond annexed with annexureNo. X1 compulsorily. If the Property Guarantee is there, the verification of property guarantee will be verified by Register, Sub-Register or Tehsildar on Stamp Duty Bond Paper. Search Report will be received on Stamp Paper within due time.
  • File Charge:
    The applicant for loan will pay the File Charge/Fee at the time of filling of loan application.
  • File Fee Refund :
    If application for loan is rejected the file charge will not be refunded.
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Classification of Loans

  • Personal Loan:
    1. Pay Slip Loan (up to 50 Times)
    2. I.T.R. Loan (up to 5 Time)
  • Loan Against Property:
    1. Property Loan (up to 80% of market value)
    2. Project Loan
    3. Shop Loan
    4. Agriculture Loan & Complex Loan
    5. Plot Loan, Kisan Bhai Loan Property Loan, Sale and Purchase Loan & will paper Loan.
  • Documents valid as Address Proof:
    Rashan Card/Electricity Bill/Mobile Bill/Land Line Bill/Passport/Mool Niwas Patra/House Tax Slip/Water Bill/Gas Bill/Aadhar Card etc. Documents Valid as ID Proof PAN Cad/Voter Card / Driving License/Job/College Identity Card/Aadhar Card etc.
  • Documents Required for Applicant:
    1. 6 Recent Photographs
    2. Address Proof
    3. I.D. Proof
    4. 2 Stamp papers of Rs. 50/-in favour of the applicant
    5. Last 2 Months Salary Slip & Last 2 Years I.T.R. (1 Lakh Above) (only in case PAY-SLIP LOAN & I.T.R. LOAN)
    6. Property’s Paper/Khasra & Khatauni/Registry / Kisan Bahi/Will Papers (Only in case of . PROPERTY LOAN)
    7. Loan up to 70% of Govt. value location of the property.
    8. File Charge 2750+(18% GST) = 3,250/-
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