Get the Right Loan
at the Best Rate
From personal needs to business growth — ArshDev Enterprises connects you with the best loan products across all major banks and NBFCs with quick approvals and minimal documentation.
All Loan Products We Offer
Choose from 11 different loan types — we help you find the best match based on your profile, need and repayment capacity
Personal Loan — For Every Need
A Personal Loan is an unsecured loan that you can use for any personal purpose — medical emergency, wedding, travel, home renovation or debt consolidation. No collateral required, quick disbursal, and flexible repayment options make it the most popular loan product.
Key Features & Benefits
- No collateral or security required — 100% unsecured loan
- Instant approval for salaried & self-employed individuals
- Use for any purpose — medical, wedding, travel, education etc.
- Flexible EMI options with easy repayment tenure up to 5 years
- Minimal documentation — just basic KYC + income proof
- Balance transfer facility to shift existing loans at lower rates
- Part-prepayment and foreclosure options available
Documents Required
- Aadhaar Card & PAN Card
- Last 3 months salary slips / ITR (for self-employed)
- Last 6 months bank statement
- Address proof (utility bill / rental agreement)
- Passport size photograph
Personal Loan
Quick funds for your personal needs — no questions asked, no collateral needed
Business Loan — Fuel Your Growth
A Business Loan provides the capital you need to start, expand or sustain your business. Whether you are an MSME, startup, trader or manufacturer — we help you get the right financing from top banks and NBFCs at competitive rates with minimal paperwork.
Key Features & Benefits
- Collateral-free loans up to ₹50 lakhs for eligible businesses
- Available for sole proprietors, partnerships, Pvt Ltd companies
- Working capital, machinery purchase, expansion — all covered
- GST-based loans available for traders & small businesses
- MSME registered businesses get priority processing
- Overdraft and term loan options available
- Top-up loan facility for existing business loan customers
Documents Required
- Business registration certificate / GST certificate
- Last 2 years ITR with financials (P&L, Balance Sheet)
- Last 12 months business bank statement
- KYC of all directors/partners (Aadhaar + PAN)
- Business address proof
Business Loan
Scale your business with the right financial support from top lenders
Home Loan — Own Your Dream Home
A Home Loan helps you purchase, construct or renovate your dream home with easy EMIs spread over a long tenure. We work with all major banks and HFCs to find you the lowest rate and best terms — making homeownership a reality for every family.
Key Features & Benefits
- Finance for purchase, construction, renovation & extension
- Long repayment tenure up to 30 years for lower EMIs
- Tax benefit under Section 80C (principal) & 24B (interest)
- Balance transfer option to reduce interest burden
- Joint home loan for higher eligibility
- Pradhan Mantri Awas Yojana (PMAY) subsidy benefit available
- Part-prepayment & foreclosure without extra charges
Documents Required
- KYC documents (Aadhaar, PAN, Passport)
- Income proof — salary slips / ITR (last 3 years)
- Property documents (sale deed, NOC, property map)
- Last 6 months bank statement
- Approved building plan (for construction loans)
Home Loan
Make your dream home a reality with lowest rates and longest tenure
LAP — Unlock the Value of Your Property
Loan Against Property allows you to borrow large amounts by pledging your residential or commercial property as collateral. It offers much lower interest rates compared to personal or business loans, making it ideal for large financial requirements like business expansion, higher education or medical expenses.
Key Features & Benefits
- Residential, commercial & industrial property accepted
- Lower interest rates vs personal & business loans
- Large loan amounts based on property market value
- Continue using your property while loan is active
- Both term loan & overdraft facility available
- Loan available for self-employed & salaried both
- Balance transfer to reduce existing LAP interest rate
Documents Required
- KYC documents (Aadhaar, PAN)
- Original property documents & title deed
- Last 3 years ITR + financials
- Last 12 months bank statement
- Property valuation report
Loan Against Property
Get maximum funds at lowest rates by leveraging your property's value
Used Car Loan — Drive Now, Pay Later
Get easy financing for pre-owned or second-hand vehicles. Our Used Car Loan helps you buy your preferred car without draining your savings, with flexible EMI plans and fast processing from multiple lenders.
Key Features & Benefits
- Finance up to 85% of the used car valuation
- Cars up to 10 years old eligible for financing
- Quick approval — same day processing available
- Both individual and dealer purchases accepted
- Flexible repayment tenure up to 5 years
- Top-up loan available after 6 months of regular payments
Documents Required
- Aadhaar Card & PAN Card
- Income proof (salary slips / ITR)
- Last 6 months bank statement
- Vehicle RC, insurance & valuation certificate
- Address proof
Used Car Loan
Finance your pre-owned car easily with fast approval and flexible EMIs
New Car Loan — Your Car at Best Rate
Drive home your brand-new car with our competitive New Car Loan. We tie up with all major banks and auto finance companies to offer you the lowest interest rates, maximum funding and instant approvals so you can drive your dream car today.
Key Features & Benefits
- Up to 100% on-road financing for select profiles
- Covers all car brands — Maruti, Hyundai, Tata, Honda, etc.
- Flexible tenure up to 7 years with low EMIs
- Zero processing fee offers from select lenders
- Quick approval and same-day disbursement
- Insurance & accessories bundled in loan option available
Documents Required
- Aadhaar Card & PAN Card
- Income proof (salary slips / ITR)
- Last 6 months bank statement
- Car booking / proforma invoice from dealer
- Address proof
New Car Loan
Drive your brand-new car today with lowest rates and instant approvals
Instant Loan — Money in Minutes
When emergencies strike, our Instant Loan gets money into your account within minutes. Fully digital process, no branch visit required, and approval based on your credit score and digital footprint. Ideal for urgent cash requirements.
Key Features & Benefits
- 100% paperless and fully digital application
- Money credited within 30 minutes of approval
- No collateral or guarantor needed
- Available for salaried & self-employed individuals
- Repay anytime without foreclosure penalty
- Helps build credit score for future larger loans
Documents Required
- Aadhaar Card & PAN Card
- Selfie photo for KYC
- Last 3 months bank statement
- Mobile number linked to Aadhaar
Instant Loan
Emergency funds in minutes — fully digital, no paperwork, instant disbursal
Education Loan — Invest in Your Future
Don't let financial barriers stop your education. Our Education Loan covers tuition fees, hostel, books and other expenses for studies in India and abroad. We help students get the best loan with moratorium period benefits and tax deductions.
Key Features & Benefits
- Covers all expenses — tuition, hostel, books, laptop, travel
- No repayment required during study period (moratorium)
- Tax benefit under Section 80E on interest paid
- Covers courses in India, USA, UK, Canada, Australia & more
- Collateral-free loans up to ₹7.5 lakhs
- Special concession interest rates for girl students
- Available for UG, PG, MBA, MBBS, Engineering & more
Documents Required
- Admission letter from recognized institution
- Mark sheets of last qualifying exam
- KYC of student & co-applicant (parent/guardian)
- Income proof of co-applicant
- Fee structure from institution
Education Loan
Fund your dreams — study anywhere in India or abroad with easy loans
Gold Loan — Quick Cash Against Gold
Get instant funds by pledging your gold jewellery or ornaments. Gold Loan is the fastest loan with minimal documentation and same-day disbursal. Your gold stays safe in the bank's vault and is returned upon full repayment.
Key Features & Benefits
- Fastest loan — money in hand within 1 hour
- No income proof required — gold value is the only criterion
- Up to 75% of gold market value as loan (LTV)
- Gold kept in 100% secure bank vault with full insurance
- Flexible repayment — pay interest only or regular EMI
- Bullet repayment option (pay principal at end of tenure)
- No credit score required — anyone can apply
Documents Required
- Aadhaar Card & PAN Card
- Address proof
- Gold jewellery / ornaments (18–22 carat)
- Passport size photograph
Gold Loan
Instant cash in 1 hour — just bring your gold, get the money
OD / CC Loan — Flexible Credit Line
Overdraft (OD) and Cash Credit (CC) are revolving credit facilities where you can withdraw funds up to a sanctioned limit and pay interest only on the amount used. Ideal for businesses with fluctuating working capital needs — use funds when needed, repay when you have cash.
Key Features & Benefits
- Revolving credit — withdraw and repay as needed
- Pay interest only on the amount actually used
- Ideal for businesses, traders, manufacturers
- Against stock, debtors, property or FD as collateral
- No fixed EMI — repay as per your cash flow
- Credit limit can be enhanced based on performance
- OD against FD available at very low rates
Documents Required
- Business KYC & registration documents
- Last 2 years audited financials
- Last 12 months bank statement
- Stock statement / debtors list (for CC)
- Collateral documents (if applicable)
OD / CC Loan
Flexible revolving credit — use what you need, pay only for what you use
Govt Scheme Loans — Subsidized Financing
Government scheme loans offer subsidized interest rates and special benefits for small businesses, farmers, women entrepreneurs and weaker sections. We help you access PM Mudra Yojana, PMEGP, Stand-Up India and other central & state government schemes easily.
Schemes We Help With
- PM Mudra Yojana — Shishu (₹50K), Kishore (₹5L), Tarun (₹10L)
- PMEGP — Manufacturing up to ₹50L, Service up to ₹20L
- Stand-Up India — SC/ST & Women entrepreneurs (₹10L–₹1Cr)
- PM SVANidhi — Street vendors micro loan (₹10K–₹50K)
- CGTMSE — Collateral-free MSME loans up to ₹2 Crore
- KCC (Kisan Credit Card) — For farmers & agricultural needs
- State government subsidy schemes for Bihar entrepreneurs
Documents Required
- Aadhaar Card & PAN Card
- Caste certificate (for applicable schemes)
- Business plan / project report
- Bank account details & passbook
- Relevant scheme-specific documents
Govt Scheme Loans
Access subsidized government loans and schemes with our expert guidance
General Loan Eligibility
Basic criteria that apply across most loan products — our experts help you find the right loan even with non-standard profiles
Age Criteria
Minimum 21 years and maximum 65 years at the time of loan maturity
Minimum Income
₹15,000/month for salaried; ₹2 lakh/year ITR for self-employed
Credit Score
CIBIL score of 700+ preferred; we also help improve low scores
Employment Type
Salaried, self-employed, business owners, farmers — all eligible
Simple 4-Step Loan Process
From application to disbursal — we make the entire loan journey smooth, fast and stress-free for you
Submit Enquiry
Fill our quick online form with your loan requirement and basic details — takes under 2 minutes
Expert Consultation
Our loan expert calls you to understand your profile and suggest the best loan product and lender
Document Submission
Submit documents digitally or at our Samastipur office — we handle all formalities and follow-ups
Loan Disbursal
Loan amount gets credited directly to your bank account — we notify you at every step
Need a Loan? Let's Talk!
Get free expert advice on the best loan for your profile — no charges, no obligations
Our Office
Shambhupatti, Samastipur
Bihar — 848129
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Working Hours
Mon–Sat: 9AM – 6PM
Sunday: Closed