At Laxmi Finance, we believe in providing transparent, efficient, and customer-friendly loan services. Here’s what you need to know about our documentation requirements, rate of interest, and loan tenure.

 Required Documentation

To ensure quick and hassle-free processing of your loan application, please submit the following documents:

For Individuals (Salaried or Self-Employed):

  • Proof of Identity: Aadhaar Card / PAN Card / Voter ID / Passport / Driving License

  • Proof of Address: Aadhaar Card / Utility Bill / Rent Agreement / Passport

  • Income Proof:

    • Salaried: Latest 3 months' salary slips + 6 months' bank statement

    • Self-Employed: ITR of last 2 years + 6 months' bank statement

  • Photograph: Recent passport-sized photo

  • Loan-Specific Documents: Quotation, invoice, or asset details (for secured loans)

For Businesses:

  • Business registration certificate

  • GST registration (if applicable)

  • ITRs and financials of the last 2 years

  • Bank statement (last 6 months)

  • KYC of directors/owners

 Important Notes:

  • Interest rates are subject to eligibility and may vary case-by-case.

  • Processing fees, foreclosure charges, and other applicable charges will be disclosed transparently at the time of application.

  • Pre-closure and part-payment options are available with select loan products.

  • Rate of Interest 4% P.A Tenure 1 to 20 years.