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Loan amounts range from ₹1,00,000 to ₹2,00,000 for various business needs. Loan tenure spans 1 to 4 years with interest rates per our pricing matrix. Account maintenance fee is 3% of the loan amount, deducted at disbursement. Eligible applicants include individuals and self-employed businessmen like traders, manufacturers, retailers, and service providers.

Applicants must be aged 25 to 65 years (individuals) or up to 65 years at loan maturity (self-employed). A female co-applicant is mandatory. Loan security includes 3 post-dated cheques. Repayment is on the 5th of each month via NACH/eNACH. Sourcing is permitted within a 30 km radius of CORACLE's branch, extending to 40 km in metros. Pre-closure is allowed after 6 months, with charges ranging from 6% to 4% of the outstanding principal. Part prepayment is permissible after 6 months, capped at 50% of the outstanding loan value per fiscal year, with a 4% charge on pre-paid amounts.

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Our Business Loan offers a flexible loan range from ₹1,00,000 to ₹3,00,000 catering to various business needs. The loan tenure ranges from 1 to 4 years with interest rates based on our pricing matrix. A processing fee of 3% of the loan amount, plus applicable taxes, is deducted at disbursement.

Available to both individuals and non-individuals, including self-employed businessmen like traders, manufacturers, retailers, and service providers, as well as self-employed professionals such as doctors, engineers, CAs, CSs, and architects with their own practice or consultancy setup. Applicants must be aged between 25 to 60 years (individuals) or up to 60 years at loan maturity (self-employed). A female co-applicant is mandatory. Loan security includes 3 post-dated cheques. Repayment is on the 5th of each month via NACH/eNACH. Sourcing is permitted within a 30 km radius of CORACLE's branch, extending to 40 km in metros. Pre-closure is allowed after 6 months with charges ranging from 6% to 4% of the outstanding principal depending on the tenure. Part prepayment is allowed after 6 months, capped at 50% of the outstanding loan value per fiscal year, with a 4% charge on prepaid amounts.

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Our Business Loan ranges from ₹2,00,000 to ₹5,00,000 for various business needs like working capital, equipment purchase, and debt consolidation. Loan tenure is 1 to 4 years with interest rates per our pricing matrix. Processing fee is 3% of the loan amount, deducted at disbursement.

Available to non-individual entities including proprietorships, partnerships, and private limited companies in India. Applicants must have a GST number for loans over ₹3 lakh. Age limits apply based on ownership structure, from 25 to 65 years. A female co-applicant is mandatory. Security includes 3 post-dated cheques. Repayment via NACH/eNACH on the 5th of each month within 30 km of CORACLE’s branch, extending to 40 km in metros. Pre-closure allowed after 6 months with charges from 6% to 4% of outstanding principal. Part prepayment allowed after 6 months, capped at 50% per fiscal year, with a 4% charge on prepaid amounts.

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Our Women Empowerment Business Loan ranges from ₹1,00,000 to ₹5,00,000 to meet various business needs, such as working capital, equipment purchase, business expansion, debt consolidation, and general credit requirements. Loan tenure ranges from 1 to 4 years with interest rates as per our pricing matrix. A processing fee of 3% of the loan amount is applicable, deducted at disbursement.

Available exclusively to individual women applicants aged 25 to 65 years, with a mandatory female co-applicant (financial or non-financial). A guarantor is required if a co-applicant is unavailable. Applicants must have a minimum CIBIL score of 650. Security includes 3 post-dated cheques (PDCs). Repayment is scheduled on the 5th of each month via NACH/eNACH, available within a 40 km radius of Coracle’s branch (50 km for metros). Pre-closure is allowed after 6 months with charges ranging from 7% to 5% of the outstanding principal. Part prepayment is also allowed after 6 months, capped at 50% of the outstanding principal in a fiscal year, with a 4% charge on prepaid amounts.

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Our Loan Against Property (LAP) is a secured loan designed to meet substantial financial needs for both salaried individuals and businesses. By mortgaging residential or commercial property with a clear title, borrowers can avail loans ranging from ₹2,00,000 to ₹30,00,000 based on the property’s current market value. Eligible properties include self-occupied residences, plots, or land. The repayment tenure is flexible, extending up to 15 years, with payments made through monthly instalments (ENACH).

Eligibility criteria include salaried individuals aged 23 to 60 years (or retirement age) and self-employed professionals up to 70 years. Non-income-earning property owners can apply if all legal heirs are co-applicants, with loan maturity extending up to 80 years. Female applicants must be part of the loan structure. A high credit score and clean repayment records enhance approval chances. This loan is a reliable financial solution for personal or business investments.

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Our Home Loan is tailored to help you purchase or renovate your dream property, including new apartments, row houses, construction, repairs, or plot purchases with construction. Loan amounts range from ₹2,00,000 to ₹30,00,000, available for both under-construction and ready-to-move-in properties. The repayment tenure is flexible, extending up to 20 years, with monthly instalments or ENACH for convenient payments. To apply, borrowers must provide KYC documents as per RBI/NHB guidelines. A high credit score and clean repayment records can expedite loan approval.

Eligibility criteria include salaried individuals aged 23 to 60 years (or retirement age) and self-employed professionals up to 70 years. Non-income-earning property owners can avail of loans up to 80 years at maturity if all legal heirs are co-applicants. Female borrowers must be part of the loan structure as an applicant or co-applicant. This loan is a convenient financing option for those looking to own or invest in property with ease.

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