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We are private bankers/ Financiers who are in the business of lending since 1964.
We provide short-term loans when banks hesitate.
We provide loans and financial support to individuals and growing good businesses when banks become inaccessible due to various issues such as procedure /processing time / CIBIL issues, etc.
Faster documentation and processing
Simpler and easier loan pre-closure and settlement policy
Right financial guidance for your business to sustain longer
Reputed & trustworthy (In business for 35 years+)
Time is crucial for entrepreneur. We respect that.
| Speed | ||||
| Bokdia Finance & Estate | PSU Banks | Private Banks | Traditional NBFCs | |
| Time to get funds | Time to get funds | 4-6 Weeks | 1-2 Weeks | 1-2 Weeks |
| Call and Apply anywhere, any time! | Yes | No | No | No |
| Hassle-free documentation & processing | 1-2 Working Day! | 4 Weeks | 1 week | Doc intensive |
| Min Years in Business | 2-3 Years | 3-5 years | 3-5 Years | 3-5 Years |
| Part Pre-closure | Yes | May Be (Multiple Approvals) | May Be (Multiple Approvals) | Yes – (Needs Regional Approvals) |
| Time to Pre-close loan & return of pledged documents | 2-3 Working Day! | 2-4 Weeks | 2-4 Weeks | 1-2 Weeks |
| Cost & Affordability | ||||
| Bokdia Finance & Estate | PSU Banks | Private Banks | Traditional NBFCs | |
| Loan Tenure | 1-12 Months | Not less than 1 year | Not less than 1 year | Not less than 1 year |
| Pre Closure Penalties | None | 5% of loan | 5% of loan | 0-5% of loan |
| Repayment options | Flexible (Weekly, Monthly and EMI) | EMI only | EMI only | EMI only |
| Advertised interest rate | 18% - 24% | 14% - 16% | 14% - 22% | 16% - 24% |
| Processing fees | 2% - 3% | 2% | 2% - 3% | 2% - 3% |
| Hidden charges | None!! | Varies | 2% Insurance | 2% Insurance |
| Charges on Copies of Loan Documents | None!! | Rs. 400 to Rs.600/- Per LAN | Rs. 750 to Rs.1000/- Per LAN | Rs. 750/- to Rs. 1000/- Per LAN |
| Cheque Swapping Charges | None!! | Rs. 300/- to Rs. 500/- | Rs. 300/- to Rs. 500/- | Rs. 500/- to 750/- |