Awards & Achievements
Recognised for our fast approvals, transparent process, and trusted loan services across leading financial institutions.
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Loan Overview
Secure the funds your business or personal needs require. Osia Credits connects you with trusted banks and RBI-registered NBFCs for fast, hassle-free loan approval.
Eligibility Criteria
- Age: 21–65 years
- Income: Salaried / Self-employed / Business owner
- Good credit history
- Collateral: Property or asset (if applicable)
Documents Required
Identity Proof: Aadhar, PAN, Passport.
Address Proof: Utility bills, Passport, Rental Agreement.
Income Proof: Salary slips, IT returns, Bank statements.
Property Documents (if applicable).
Interest Rates & Tenure
Interest Rate: 9% – 16% p.a.
Loan Tenure: 1 – 15 years
Rates and tenure depend on eligibility and loan type.
Get Your Personal Loan Today
Flexible amounts, low interest, fastest approvals.
Loan Details
Loan Amount: ₹1 lakh – ₹50 lakh.
Tenure: 1 – 6 years.
Interest Rate: 10% – 18%.
Documents Required: Aadhar, PAN, Salary Slip.
Why Choose Us
Fastest Approvals
Get your loan processed in record time.
30+ Banks & NBFCs
Multiple options for better rates.
Zero Upfront Charges
Transparent and hassle-free.
Secure & Trusted Process
Your data and loan details are protected.
Home Loan
Make your dream home a reality with our easy and affordable home loan solutions. We connect you with leading banks and trusted NBFCs to ensure the best interest rates, flexible EMIs, and a smooth approval process.
Loan Details
Loan Amount: Up to 100 Crore
Tenure: 5 to 30 years.
Low Interest Rates: Starting from 7.25% onwards.
Documents Required: Aadhar, PAN, Salary Slip.
Why Choose Us
Fastest Approvals
Get your loan processed in record time.
30+ Banks & NBFCs
Multiple options for better rates.
Zero Upfront Charges
Transparent and hassle-free.
Secure & Trusted Process
Your data and loan details are protected.
Business Loan
Boost your business with quick, hassle-free loans for startups, SMEs, and growing companies. Access flexible funding for working capital, expansion, or new opportunities.
Loan Details
Loan Amount: 2 lakh to 5 crore.
Tenure: 1 to 5 years.
Interest Rate: Starting from 12%.
Documents Required: Aadhar, PAN, Bank Statements, GST, ITR.
Why Choose Us
Fastest Approvals
Get your loan processed in record time.
30+ Banks & NBFCs
Multiple options for better rates.
Zero Upfront Charges
Transparent process with no hidden charges.
Secure & Trusted Process
Your data and loan details are protected.
CGTMSE Loan
Get collateral-free business funding under the CGTMSE scheme, designed to support startups, micro, and small enterprises. This government-backed guarantee program helps eligible businesses secure loans without needing property or security.
Loan Details
Loan Amount: Up to ₹5 crore (without collateral).
Tenure: 1 to 5 years.
Collateral-Free: 100% government-backed guarantee.
Ideal For: Startups, MSMEs, new entrepreneurs.
Why Choose Us
Fastest Approvals
Expert assistance in eligibility & documentation.
30+ Banks & NBFCs
Multiple partner banks & NBFCs.
High Approval Rate
Optimized process for maximum approvals.
Secure & Trusted Process
Transparent and hassle-free process.
Machinery Loan
Upgrade your business operations with easy and affordable machinery loans. Get funding to purchase new equipment, replace old machinery, or expand production capacity without disrupting your cash flow.
Loan Details
Loan Amount: 1 lakh to 10 crore.
Tenure: 1 to 7 years.
Interest Rate: Starting from 10.5%*.
Documents Required: Aadhar, PAN, Bank Statements, GST, ITR, Quotation of Machinery.
Why Choose Us
Fastest Approvals
Fast approval with minimal documentation.
30+ Banks & NBFCs
Multiple options for better rates.
Loan Availability
Loans available for new & used machinery.
Secure & Trusted Process
Transparent process with no hidden costs.
Bill Discounting
Improve your business cash flow by converting your unpaid invoices into instant working capital. With bill discounting, you can access funds quickly without waiting for clients to clear their payments.
Loan Details
Instant Cash Flow: Get money against unpaid invoices.
Tenure: 30 to 180 days.
Loan Amount: Based on invoice value.
Ideal For: SMEs, traders, manufacturers, service providers.
Why Choose Us
Fastest Approvals
Expert assistance in eligibility & documentation.
30+ Banks & NBFCs
Low interest rates from top banks.
High Approval Rate
Simple documentation & transparent terms.
Secure & Trusted Process
Smooth, hassle-free process.
Project Loan
Get long-term financial support for large-scale business projects, expansions, or new ventures. Project loans help you manage capital-intensive requirements with structured funding tailored to your business plan.
Loan Details
Loan Amount: 10 lakh to 500 crore (based on project size).
Tenure: up to 15 years.
Interest Rate: starting from 8%.
Documents Required: Project report, financials, KYC, business registration.
Why Choose Us
Fastest Approvals
Fast approval with minimal documentation.
30+ Banks & NBFCs
Partnerships with top banks & financial.
Loan Availability
Loans available for new & used machinery.
Secure & Trusted Process
Transparent, end-to-end support.
Construction Loan
Get flexible funding to build residential, commercial, or industrial projects with ease. Construction loans provide stage-wise disbursement, ensuring smooth progress throughout your building cycle.
Loan Details
Loan Amount: ₹10 lakh to 100 crore (based on project type).
Tenure: 1 to 20 years.
Interest Rate: Competitive, based on project and profile.
Documents Required: Aadhar, PAN, Income Proof, Project Plan, Land Documents.
Why Choose Us
Funding Process
Stage-wise funding for smooth construction.
30+ Banks & NBFCs
Multiple options for better rates.
Documentation
Expert documentation & project evaluation.
Secure & Trusted Process
Transparent process with no hidden costs.
Builder Loan
Empower your real estate projects with tailored funding designed for builders and developers. Get the capital you need for land acquisition, construction, and project completion—all with flexible terms and fast approvals.
Loan Details
Loan Amount: ₹50 Lakh to 500 crore
Tenure: 1–10 years.
Uses: Land purchase, construction, project development.
Documents: Project plan, financials, KYC, approvals.
Why Choose Us
Fastest Approvals
Fast approval with minimal documentation.
30+ Banks & NBFCs
Partnerships with top banks & financial.
Flexible repayment
Repay at your pace with customizable EMIs.
Secure & Trusted Process
Transparent, end-to-end support.
Special Property Loan
Get exclusive financing for unique or non-standard properties that require customized evaluation and flexible lending terms. Ideal for properties that don’t fit traditional loan categories but still hold strong value and potential.
Loan Details
Loan Amount: ₹10 lakh to ₹25 crore.
Tenure: 1–15 years.
Interest Rate: Competitive, based on project and profile.
Documents Required: Property papers, financials, KYC, valuation reports.
Why Choose Us
Tailored Solutions
Custom financing for unique and complex property needs.
Expert Documentation
Expert guidance for accurate paperwork.
30+ Banks & NBFCs
Partnerships with top banks & financial.
Secure & Trusted Process
Transparent process with no hidden costs.
Loan Against Property (LAP)
Unlock the value of your property and get high-value funds at affordable interest rates.
Loan Details
Loan Amount: ₹15 lakh to 100 crore.
Tenure: 1–20 years.
Interest Rates: Starting from 8%.
Eligible Properties: Residential, commercial, industrial.
Why Choose Us
Expert Property Valuation
Fair property valuation by experts.
Expert Documentation
Quick approval with minimal documentation.
30+ Banks & NBFCs
Partnerships with top banks & financial.
Secure & Trusted Process
Transparent process with no hidden costs.
Working Capital
Ensure smooth business operations with flexible working capital and overdraft solutions. Access funds whenever needed to manage day-to-day expenses, maintain liquidity, and support business growth.
Loan Details
Loan Amount: Upto 200 Crore.
Tenure: Revolving or short-term (up to 1 year).
Interest Rates: Competitive, based on usage.
Ideal For: SMEs, traders, manufacturers, service providers.
Why Choose Us
Tailored Solutions
Flexible withdrawal and repayment options.
Expert Documentation
Minimal documentation for hassle-free access.
30+ Banks & NBFCs
Partnerships with top banks & financial.
Secure & Trusted Process
Transparent process with no hidden costs.
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