5th February

Greetings from Bandhan Bank!!!

*LTV

• Loan Against Property.
• 75 % LTV on market value.
• Home Loan.
• 75 % of market value125 to 140 % of registry value.
• HL refinance 75% of registry value..

Regards.
Rajneesh sharma
9560562123

Key highlights with DCB Bank-

1- Home loan and LAP funding with Loan amount from 20 lakh to 3 Cr.

2- No ITR and Financials required for loans up to 1 Cr under Banking and low LTV Program.

3- Wide range of products for eligibility, Banking, Low LTV , GST, Gross profit, Emi equaliser, Liquid Income proof, Gross Turnover etc..

4-LTV up to 80% for SORP properties Under Gross Turnover Program for Lap.

5-Legal chain of last 13 years to be recorded only for clear title.

6-Home loan and Lap both options available with competitive ROI.

7- STBL product for 7 year clear title properties , Dwelling units , Stone slab properties, Third floor.

8- Home loan up to 50 Lakh allowed under Pure rental program.

9- LIP ( C A Assessment ) Programme for HL

Need your attention✨✨

In SMFG india credit Co. Ltd we have started high ticket funding up to 15 Cr

• Funding up to 4 Cr in Banking program.
  *Funding up to 5 Cr in Industrial Margin/ Normal Income Program
  LRD funding up to 15 Cr against 90% of nett monthly rental credit
• Funding up to 3Cr against Lal Dora property

Apart from above funding available against all kind of property i.e.
Residential
Commercial
Industrial
Industrial Shed
Plot (Resi & Commercial)
Hotel
Nursing Home(without OT)
PG
Wearhouse/Godown etc…..

Pl contact us asap, TAT is best in industry!

Regards,
Rajneesh sharma
9560562123

Key highlights with Axis Bank ltd

We are doing Loan Against Property Loan amount from 50 lakh to 500Cr with below mentioned details to be pointed:

👉 Vanilla Program
 
👉 Banking Surrogate Program upto 5Cr

👉 Low LTV upto 5Cr

👉 GST Program

👉 LRD Program

👉 Pure Rental Income

👉 Multiplier of 1.4 under EMI Multiplier program on Loans above 48 MOB

👉 LAP against Residential, Commercial and Industrial Property

👉Restaurant property will do upto 3 Cr

👉 Competitive rates, Competitive fee and good pay-outs.

 Do give us an opportunity to serve.

Regards
Rajneesh sharma
9560562123

GOOD NEWS

🌟 Balance Transfer Offer 🌟

Validity: Login extended till 31 Jan’24 subject to disb by 29th Feb’24

Fees
1500 + GST – Salaried
2500 + GST – SENP

This will be adjusted in EMI / Pre-EMI post Disb

ROI CIBIL
8.35% – 780 & Above
8.40% – 750 to 779
8.50% – 730 to 749
8.50% – NTC

Top Up can be Offered at same rate, Fee offer not applicable for Top Up

Regards,

Rajneesh sharma
9560562123

15th March 2023

Dear Sir/Ma’am,

🌹🌹 Greeting of day🌹🌹

Arka Fincap Ltd (A Group of Kirloskar Oil Engines Ltd)

*self employed and professional.

This is to inform you that we are doing…
*LAP and Commercial Purchase *

Loan Amount -*50 lacs to 5 cr *

Geographic Range – Rajendra Place to 75 km

Dsa Payout- *Much more for Industry *

Insurance- 1.5% of Loan Amount

Tenure- Upto 15 year

ROI – 9.75% to 11%

IMD – 5900

PF-1 %

Cibil -700+(issues resolved with proof )

Property Type :
Regularized and Authority Property

1. Self-Occupied Residential Property
   2.Vacant Residential property
   3.Rented Residential Property
   4.Self-Occupied Commercial Property
   5.Rented Commercial Property
   6.Self-Occupied Industrial Property-Industrial Property which is situated in notified industrial area
   7.Commercial purchase *

Note;- Business is Delhi NCR & Property (All Arka Branch Location in india)

Programme-

Income assessment Program 5cr (Foir=Total Obligation/Pat+Depreciation+Interest +Salary To Partner,
Director+Interest paid on Loan

Banking ABB Surrogate – 5cr (ABB*2/3)

Banking Turnover Surrogate 3cr
(Gross Margin= Turnover As Per Banking Receipts*Industries Margins as per policy)

Gross Margin program – 3cr
( Lower Of=Turnover as per FinancialIndustries Margine & PAT+DEP+INT+Salary To Partner, Director+Interest paid on Loan2.5%)

Lease Rental Program – 3cr (Lower Of= 70% of Gross Monthly Lease Rental & 90% of Net Monthly Lease Rental)

Lip-2cr( Lower of = PBT Access by agency90% & PBT3.5%)

Gst Program -2 cr

Low LTV *-1.5cr

LTV-
Residential-LTV -75% but not Rusticated .
Commercial LTV–65% to 70%
Industrial -LTV- 65%

No Negative profile…

NOTE -Combo BL offer if eligibility support

All documents soft copy Required on mail

Regards
Rajneesh Sharma
9560562123
🌹🙏 💐 ** 💐🙏🌹

Greetings from *Standard Chartered Capital Ltd.💥💥

Offer for March Month.

We are doing LAP💐💐
SENP and SEP Profile.

LAP – Loan Amount:- 50 Lacs to 20 Cr

Rate of Interest:- Starting from – 9.10% onwards*
PF:- 0.50%*

Attractive payout upto – 1.50% +JFM addition upto 0.25+ GST💥💥

Programs Offered for Facility:-

1) Normal Income (EBIDTA)-20 Cr & Projected EBIDTA to be also considered for income eligibility

2 – Banking Product – 5 Cr
3 – Industry Margin – 5 Cr
4 – BT Surrogate – 3 Cr
5 – LRD – Upto 20 Cr
6 – Gross Receipt – Upto 10 Cr for Professionals *
7 – Gross Profit – 5 Cr

*Collateral Accepted – Approved as well as regularised. *

1) Residencial SORP : 75%
2) Residential Rented : 70%
3) Commercial Property : 65%
4) Industrial property : 50% Upto 5 Cr loan amount.

Plz feel free to 🤙 for further information.

Regards
Rajneesh Sharma
9560562123

Key highlights with DCB Bank

1- Home loan and LAP funding with Loan amount from 30 lakh to 4 Cr.

2- No ITR and Financials required for loans up to 1 Cr under Banking and low LTV Program.

3- Wide range of products for eligibility, Banking, Low LTV , GST, Gross profit, Emi equaliser, Liquid Income proof, Gross Turnover etc..

4-LTV up to 80% for SORP properties Under Gross Turnover Program for Lap.

5-Legal chain of last 13 years to be recorded only for clear title.

6-Home loan and Lap both options available with competitive ROI.

7- STBL product for 7 year clear title properties , Dwelling units , Stone slab properties, Third floor.

8- Home loan up to 50 Lakh allowed under Pure rental program.

9- LIP ( C A Assessment ) Programme for HL and Lap both up to 2 Cr.

10- Multiplier of 1.2 under EMI Multiplier program on Loans above 24 MOB.

11-Lap Roi starts from 10.25%( Above 1 Cr with 750+CIBIL and SORP) & Home loan now starts from 9.75% (these are minimum Rates and depends on Collaterals, CIBIL score , Eligibility program).

12- School Funding up to 5 Cr for Delhi / NCR Schools..

13- Increased Payout for JFM for corporate and individual Dsa’s

Plz call / Drop Message for any enquiry and further information

Thanks & Regards
Rajneesh Sharma
9560562123

IDFC HL

Higher Eligibility for Salaried Customers
ROI

Salaried – 8.65% onwards( Cat A & B companies ),
PF-0.25%
Login cheque – Zero

Upto 80% FOIR on net salary
+
Upto 100% of allowances/ Fixed Reimbursements can be added like
Petrol/Fuel, Meals, driver allowance, bonus, incentive
+
Upto 100% of future rental income

Regards
Rajneesh Sharma
9560562123

USP of Anand Rathi on Property

1. Lap on Industrial Floor property
2. Lap on Auction Property
3. Ware house property
4. Banquet hall property
5. Guest house property
6. Clinic
7. Lal Dora…up to 50lacs
8. GPA Property….up to 50lacs
9. PM Uday Property…up to 50lacs
10. Khasara Property…up to 50lacs

USP of Anand Rathi On profile..we are giving loans to every profile except..police.. lawyer..and Politicians

1. Builder Profile
2. Property Dealer profile
3. Share broker
4. Jeweler
5. Civil Contractor
6. Transporter
7. Manpower suppliers
8. Govt Contractor

USP on Cibil..

1. We are taking call on cibil before or during covide if current EMI is running properly from last 6month
2. We are doing debt consolidation cases also..
3. We are doing seller BT also
   Regards
   Rajneesh Sharma
   9560562123

14th March 2023

Good Morning Friends,

Key highlights with DCB Bank

1- Home loan and LAP funding with Loan amount from 30 lakh to 4 Cr.

2- No ITR and Financials required for loans up to 1 Cr under Banking and low LTV Program.

3- Wide range of products for eligibility, Banking, Low LTV , GST, Gross profit, Emi equaliser, Liquid Income proof, Gross Turnover etc..

4-LTV up to 80% for SORP properties Under Gross Turnover Program for Lap.

5-Legal chain of last 13 years to be recorded only for clear title.

6-Home loan and Lap both options available with competitive ROI.

7- STBL product for 7 year clear title properties , Dwelling units , Stone slab properties, Third floor.

8- Home loan up to 50 Lakh allowed under Pure rental program.

9- LIP ( C A Assessment ) Programme for HL and Lap both up to 2 Cr.

10- Multiplier of 1.2 under EMI Multiplier program on Loans above 24 MOB.

11-Lap Roi starts from 10.25%( Above 1 Cr with 750+CIBIL and SORP) & Home loan now starts from 9.75% (these are minimum Rates and depends on Collaterals, CIBIL score , Eligibility program).

12- School Funding up to 5 Cr for Delhi / NCR Schools..

13- Increased Payout for JFM for corporate and individual Dsa’s

Plz call / Drop Message for any enquiry and further information

Thanks & Regards
Rajneesh Sharma
9560562123

13TH March 2023

FEDERAL BANK LTD.

  !! New ROI Dhamaka JFM !!

       (Salaried) 

Home loan – ROI
8.60% TO 8.70%

Home loan – with Home Savor- ROI
8.75% To 8.85%

(Self Employed )

Home loan – ROI
8.60% To 8.70%

And

Home loan – with Home Savor – ROI
8.75% To 8.90%

PF Rs. 10000 + GST + L&T for salaried and self employed

Top up more than 100% subject to 4Cr (HL+top up)with 0.10% higher form HL rate. For example HL is 50L than we can offer 350L under top up subject to eligibility.

            LAP

LAP- 9.70% to 9.90% (PF 0.5% )

Please Discussed, if you have any file for HL and LAP.

Regards
Rajneesh Sharma
9560562123

DEUTSCHE BANK update –

LAP (Resi & Comm& Industrial/ warehouse) /LRD/CPP

Basic Criteria:
Require Audited Financials of Latest 2 Years with Cash Profit.

Products:\Gross Profit Program( manufacturers & traders)

Lease Rent Discounting (LRD)

Professional Receipt (Doctors receipts multiplayer @4 , Lawyers, CA- multiplayer@2 , Others)

Industry Margin

EBITDA BDR Upto 100%*

Cash Profit ( DBR upto 100%,*)

GST turnover program upto 3 Cr

fastrake program upto 5 Cr

Track base / RTR BT up to 5 Cr

Internal top up upto 2 Cr.

FOIR/DBR@60%

Loan To Value Ratio (LTV – Market Value):

*– PSL– Manufacturers & Service and Traders *(Upto 5 Crs)
Residential – 85.00%
Commercial – 75.00%
— Non-PSL – Traders & Individual Borrowers:(Upto 5 Crs)
Residential – 75.00%
Commercial – 60.00%
Industrial – 50%

LRD – Industrial / warehouse/ cold storage

Amount 35 Cr LTV @50%

Geo Limit:
• Delhi Ncr

Loan Amount: Amount Ranges from INR 1.00 Cr to INR 35.00 Crs.

Rate of Interest:
9.25% to 9.50%

Tenure:
• LAP – upto 15 Years
.LRD – UP TO 15 YEARS

Negative Profile:*
• All kind of Jewellers
• Politician
• Policeman
• Criminal Lawyer
• Property Dealer
• Builders
• Shares & Stock Brokers
. Commodities

Regards,
Rajneesh Sharma
9560562123

12th March 2023

Good Morning Friends,

Key highlights with DCB Bank

1- Home loan and LAP funding with Loan amount from 30 lakh to 4 Cr.

2- No ITR and Financials required for loans up to 1 Cr under Banking and low LTV Program.

3- Wide range of products for eligibility, Banking, Low LTV , GST, Gross profit, Emi equaliser, Liquid Income proof, Gross Turnover etc..

4-LTV up to 80% for SORP properties Under Gross Turnover Program for Lap.

5-Legal chain of last 13 years to be recorded only for clear title.

6-Home loan and Lap both options available with competitive ROI.

7- STBL product for 7 year clear title properties , Dwelling units , Stone slab properties, Third floor.

8- Home loan up to 50 Lakh allowed under Pure rental program.

9- LIP ( C A Assessment ) Programme for HL and Lap both up to 2 Cr.

10- Multiplier of 1.2 under EMI Multiplier program on Loans above 24 MOB.

11-Lap Roi starts from 10.25%( Above 1 Cr with 750+CIBIL and SORP) & Home loan now starts from 9.75% (these are minimum Rates and depends on Collaterals, CIBIL score , Eligibility program).

12- School Funding up to 5 Cr for Delhi / NCR Schools..

13- Increased Payout for JFM for corporate and individual Dsa’s

Plz call / Drop Message for any enquiry and further information

Thanks & Regards
Rajneesh Sharma
9560562123

Greetings from Cholamandlam- SME!
Loan amount – upto 15 CR

Products:
Cash profit / GST T/O – 15 Cr
ABB / Banking – 5 cr.
GST Margin – 5 cr.
RTR – 5 cr.
Debt Consolidation – 2cr.
Low LTV – 2 cr.

Properties and LTV’s:
SORP – 85 Pc
SOCP/ Commercial Purchase – 75PC
SOIP/industrial Purchase – 70-75pc
SOIP with Machinary – 85-90Pc
Plot – 50-55Pc
School and Hospitals Restaurant/Hotels,Warehouse – 65-70Pc
Guest House/ Resorts – 65-70 Pc

Also Funding Industrial Sub divided properties.

Delhi Lal Dora properties (upto 5 Cr loan)

Regards
Rajneesh Sharma
9560562123

11th Feb 2023

Shriram Finance Ltd.

Dear Business partners,

This is to inform you that we are doing loan against property on below mentioned property which is located in Delhi/NCR :

Property Type :

1. Self-Occupied Residential Property
2. Vacant Residential property
3. Rented Residential Property
4. Self-Occupied Commercial Property
5. Vacant Commercial Property
6. Rented Commercial Property
7. Self-Occupied Industrial Property
8. Vacant Industrial Property
9. Property which is situated in Regularized colony
10. Property which is situated in 1797 wherein Conveyance deed is executed
11. Lal Dora Properties which is located in Delhi
12. Industrial Property which is situated in notified industrial area
13. Standalone approved Basements property
14. Residential Plot
15. Authority Plot-Commercial/Industrial
16. Commercial/Industrial Purchase
17. Redstone property in Delhi-6
18. Industrial Property which is located in RAI industrial Area, Bawal ,Gulawati , and Hapur Pilkhuwa
19. PG or Guest House Properties
20. Warehouse property
21. Lease hold property delhi

Loan Amount:

• 10 lacs to 300 lacs

Program :

• Cash rental program
• VIP/Vanila Program
• Banking Surrogates
• LIP Program/LIP
• LOW LTV Program
• Industry Margin
• No Income Proof programm Upto 50 lacs

For more details and information or Clarification you can contact me at 9560562123

Regards,

Rajneesh sharma

Shriram Finance Ltd.

IDFC BANK SUVIDHA DIVISION
HI Sir/Mam,

We are doing Lap in all NCR upto 75 lakh.

No GST NO ITR.
ONLY KYC+BANKING.

Property type:-
DUAL unit,
subdivided property,
property without map
Property with khasra number only
Lal dora property
Joda property
3rd floor without map
T-Iron property
4th floor

Elegibility Programe:-
Pure Rental programe
Banking programe
Cash and white rentals
Fast track BT
VIP(itr base) programe

Property with single sale deed

Property with khasra number only

Loan Without registered mortgage

Loan without financial and GST

Instant soft approval without IMD cheque

commercial and industrial purchase

LTV :- upto 80%

Thanks & Regards
Rajneesh Sharma
9560562123
IDFC FIRST BANK LTD
[1:41 pm, 10/02/2023] Rajneesh Sharma: Good Morning Friends,

Key highlights with DCB Bank

1- Home loan and LAP funding with Loan amount from 30 lakh to 300 lakh.

2- No ITR and Financials required for loans up to 1 Cr under Banking and low LTV..

3- Wide range of products for eligibility, Banking, Low LTV , GST, Gross profit, Emi equaliser, Liquid Income proof, Gross Turnover etc..

4-LTV up to 80% for SORP properties Under Gross Turnover Program for Lap.

5-Legal chain of last 13 years to be recorded only for clear title.

6-Home loan and Lap both options available with competitive ROI.

7- STBL product for 7 year clear title properties , Dwelling units , Stone slab properties, Third floor.

8- Home loan up to 50 Lakh allowed under Pure rental program.

9- LIP ( Cash Income) Programme Re sta…
[1:54 pm, 10/02/2023] Rajneesh Sharma: *Greetings from Shriram Housing Finance Ltd.

👉Home Loan & LAP Ticket Size – upto 1 Cr.👇

1. We do cases in Regularised colonies with or without Map .
2. We do sub-Divided properties including floors.
3. We do Lal Dora properties.
4. Eligibility based on Liquid income (no income proof) upto 30 Lakhs.
5. Eligibility based on Banking upto 1Cr
6. Eligibility based on Cash income upto 1Cr.
7. Eligibility based on Pure Cash Rental.
8. CIBIL Calls on justified reasons.
9. Area covered upto 55 Km from delhi.
10. We do Home Loans, HL BT and P+C.
11. We do Chandni Chowk Properties.
12. We do seller BT cases
13. We do HL refinance within 6 months.
14. We do GPA to Registry (GPA prior to 2011)
15. We do under PM Uday Yojana.

Regards:- Rajneesh Sharma
Shriram Housing Finance Ltd.
9560562123

10th Feb 2023

DBS Bank India Ltd

Working capital team
We are giving higher LTV on self occupied properties;
(Only on Self Occupied)
Commercial — 95%
Residential — 100%
Industrial — 70%

*Income calculation basis— Banking Surrogate Program *

We can give clean OD upto 5 Cr

Regards,
Rajneesh Sharma
9560562123

9th Feb 2023

Key highlights with DCB Bank

1- Home loan and LAP funding with Loan amount from 30 lakh to 300 lakh.

2- No ITR and Financials required for loans up to 1 Cr under Banking and low LTV..

3- Wide range of products for eligibility, Banking, Low LTV , GST, Gross profit, Emi equaliser, Liquid Income proof, Gross Turnover etc..

4-LTV up to 80% for SORP properties Under Gross Turnover Program for Lap.

5-Legal chain of last 13 years to be recorded only for clear title.

6-Home loan and Lap both options available with competitive ROI.

7- STBL product for 7 year clear title properties , Dwelling units , Stone slab properties, Third floor.

8- Home loan up to 50 Lakh allowed under Pure rental program.

9- LIP ( Cash Income) Programme Re started up to 2 CR loans.

10- Multiplier of 1.2 under EMI Multiplier program on Loans above 24 MOB.

11-Lap Roi starts from 10.70 and Home loan now starts from 9.75% (these are minimum Rates and depends on Collaterals, CIBIL score , Eligibility program).
Plz note Rates are revised as per current Hike in RBI repo rates.

12- School Funding up to 5 Cr for Delhi / NCR Schools..

Plz call / Drop Message for any enquiry and further information.

8th Feb 2023

ICICI BANK OFFERS

Dear All..

This is to inform you that we are having Best Pricing and Fees offer for Home Loan and Non Home Loan for All customers…Please refer the best details as Below

Special ROI offer:-

HL-8.50%*
NHL-9.00%*

Processing Fees offers are extended for all cases, which get approved by 28th Feb …(Admin fee is waived only in HL BT cases)

Pre approved HL-999 **

HL BT- NIL (Cibil +Cersai will be applicable)

HL Salaried – 2999*

HL Self employed-0.25%**

NHL BT- 0.25%*

NHL Fresh – 0.50%*

So lets Go and Get the Best of cases for Us and make the scheme sucessfull 🤝👍
RAJNEESH SHARMA
9560562123

7th Feb 2023

Suryoday small finance Bank

Ticket size up to 150 lakhs.

We are doing Home loan and loan against property in Delhi NCR.

We are doing all types of income programs , surrogate banking, lip,, cash salary, GP, GTP, income Assessed program (without any financial documents upto 50lakh in assessment income programs)

Property types:

Commercial parchase
Dwelling units,
Industrial property.
Commercial property
SORP, SOCP , SOIP ,Vacant property ,Rented property

Usp*
100% LTV on SORP property for business man, multiple tenant, APF property , Lap on plot
Pmudai scheme also funded

Regards
Rajneesh Sharma
9560562123

3rd Feb 2023

Greetings from Federal Bank – Home Loan

We are offering 8.40% to 8.55% ROI for Salaried above 750 CIBIL @ 13000 + GST PF fees.

Self Employed – 8.50%

• Eligibiltiy Criteria

• Net Profit
• Banking
• RTR

*Top up upto 4 Cr Including Home Loan Balance Transfer.

NRI Salaried and Self Employed Home Loan and Top-up

We are funding 250% of registry value.

HL OD with rate of 8.60% tenure of 360 months

Self Employed case PF of 20k only upto 200 lacsLoan upto age of 85 yrs.

Looking Forward for your Support !!
Regards
Rajneesh sharma🙏🙏

Standard Chartered Home Loan

Program wise Description.

Banking Base program-
HL- upto 5 Cr. – 50% LTV , BANKING NEED FOR 1 YR IN LAP -1.5 Cr – 40% LTV

Track Base BT program-
HL- upto 5 Cr -LTV 50% and 60% with DBR in 18 month Track

Industry Margin program-
HL upto 5 Cr

Gross Profit
HL upto 5Cr

Cash Profit Program-
HL-50cr

Director/ Parnter salaried
HL upto 20 Cr

Rental/LRD program-
HL/LAP- upto 10 Cr

We can do Seller BT cases and Plot plus Construction
Regards
Rajneesh Sharma
9560562123

2nd Feb 2023

Highlights of Union Budget 2023-24.

General

1. EPFO Numbers doubled to 27 crores
2. Agriculture accelerator fund to boost startup in Agri sector. Special scheme to boost fisheries
3. 38,800 teachers will be employed in 3.5 lakh Eklavya tribal school.
4. Capital outlay of Rs. 2.40 lakh crore for Railways.
5. 50 New Airports and Heliports to be made.
6. Rs. 10,000 crore for urban infra fund every year
7. Rs. 75,000 crore for 100 transport infra projects
8. 3 Centers of Excellence for “Artificial Intelligence” will be set up.
9. KYC procedure to be simplified. PAN to be come common business identifier.
10. Scope of Digi locker to be increased.
11. More than 39,000 compliances reduced. Jan Vishwas Bill to amend 42 laws
12. Rs. 35,000 crore for Energy transmission
13. 10,000 bio input research centers to be set up.
14. 30 Skill India International centers to be set up.
15. NFIR (National Financial Information Registry) to be launched for financial strategy.
16. Reducing cost of MSME Credit by 1%. Infusion of Rs. 9,000 crore in corpus for MSME credit.
17. Mahila Samman Bachat Scheme’ for Women for Rs. 2,00,000 @ 7.5%
18. SCSS enhanced from 15 lakh to 30 Lakh.

Direct and Indirect tax

1. Promote domestic manufacturing and exports.
2. Tax exemption on Capital Goods and Lithium batteries.
3. Mobiles, camera lenses to become cheaper.
4. Gold, Silver & Diamonds, cigarettes, imported rubber to get expensive.
5. Enhanced limit for 3 crore and 75 lakhs for presumptive taxation.
6. Higher TDS limit of RS. 3 cr for Cooperatives
7. New IT Return Form for easier filing .
8. 100 Joint Commissioners to be appointed for disposal of small appeals.
9. TDS reduced on EPF withdrawal
10. Section 54 and 54F to be amended.
11. Rebate limit increased to 7 lakh in new tax regime.
12. Number of slabs reduced from 7 to 5 in new tax regime.
13. Only 5% tax on Individual’s Annual income of 9,00,000 only to pay Rs. 45,000 as tax.
14. Salaried class and pensioner: Standard Deduction increased
15. Highest tax rate 42.74 % reduced
16. Propose to reduced Higher surcharge rate from 37 % to 25% in new tax regime.
17. Leave Encashment: Limit increased from Rs. 3,00,000 to Rs. 25,00,000.

Warm Regards
 RAJNEESH SHARMA  

Federal Bank – Home Loan

We are offering 8.40% to 8.55% ROI for Salaried above 750 CIBIL @ 13000 + GST PF fees.

Self Employed – 8.50%

• Eligibiltiy Criteria

• Net Profit
• Banking
• RTR

*Top up upto 4 Cr Including Home Loan Balance Transfer.

NRI Salaried and Self Employed Home Loan and Top-up

We are funding 250% of registry value.

HL OD with rate of 8.60% tenure of 360 months

Self Employed case PF of 20k only upto 200 lacs

Loan upto age of 85 yrs.

Looking Forward for your Support !!
Regards
Rajneesh sharma🙏🙏

Standard Chartered Home Loan

Program wise Description.

Banking Base program-
HL- upto 5 Cr. – 50% LTV , BANKING NEED FOR 1 YR IN LAP -1.5 Cr – 40% LTV

Track Base BT program-
HL- upto 5 Cr -LTV 50% and 60% with DBR in 18 month Track

Industry Margin program-
HL upto 5 Cr

Gross Profit
HL upto 5Cr

Cash Profit Program-
HL-50cr

Director/ Parnter salaried
HL upto 20 Cr

Rental/LRD program-
HL/LAP- upto 10 Cr

We can do Seller BT cases and Plot plus Construction
Regards
Rajneesh Sharma
9560562123

Business 🇳 🇪 🇼 🇸  Headlines

Economic Times

Business Standard
📍 IDFC Ltd to invest Rs 2,200 Crore in IDFC First Bank, up its stake to 40%
🔘 Adani Enterprises calls off FPO, money to be returned to investors
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🔘 Tata Chemicals Q3 results: Profit rises 26% YoY to Rs 391 Crore, Revenue up 32%
🔘 Britannia Q3 Results: Net Profit soars 151% YoY to Rs 932 Cr on exceptional gain in JV with France’s Bel
🔘 Budget 2023: Income, Corporate taxes to grow by 10.5 pc to Rs 18.23 lakh in FY’24
🔘 Dixon mulling ​local plant for open-cell assemblies for TVs, after Budget proposal
🔘 India’s Electricity consumption grows nearly 13% to 126.16 Billion units in January
🔘 Railways to get ₹2.4 L Cr for future upgrades

Financial Express

Budget 2023: FM sticks to fiscal road map, targets deficit of 5.9% in FY24
📍 SC orders Whatsapp to make public its undertaking on 2021 Privacy Policy
📍 Tech firms welcome Budget, want focus on digitisation to continue
📍 Projects worth Rs 19,000 Cr to get Grants under Sovereign Green Fund
📍 Steady demand pushes domestic PV sales up 17.4% in Jan despite price hikes
📍 OFCD case: Sebi orders attachment of Subrata Roy’s Bank, Demat Accounts
📍 Ashok Leyland posts multi-fold jump in Q3 PAT to Rs 361 Cr on robust sales
📍 Gillette India Q2 Profit rises 6% on strong demand for grooming products
📍 Jubilant FoodWorks Q3 net down 40% to Rs 80 Cr; Revenue up to Rs 1,332 Cr
📍 IT solutions firm Rashi Peripherals files Rs 750-cr IPO papers with Sebi

Mint

🖊️ Budget extends tax neutrality to offshore funds coming to GIFT IFSC
🖊️ Rupee falls 2 paise to close at 81.90 against US dollar
🖊️ Visakhapatnam to be new Andhra Pradesh capital, announces CM Jagan Reddy
🖊️ Budget 2023: Rural Ministry, MGNREGS witness cut in allocations
🖊️ 47.8 Crore Jan Dhan accounts opened, says FM
🖊️ India’s manufacturing PMI moderates in January amid slower increase in total sales

✒️ President Biden, speaker McCarthy meet at White House on debt crisis worries
✒️ Defence gets ₹5.94 Tn; ₹1.62 Tn for modernization
✒️ EU unveils plan to counter US Green subsidies, China competition
✒️ Capex raised to ₹10 Tn as govt pushes for infra, jobs
✒️ US job openings rise to 11 Million in Dec, amid Federal Reserve’s cooling effort
✒️ IMD predicts ‘normal rainfall’ in northwest India in February
✒️ TVS Motors total sales rise by 3% to 2.75 lakh units in January
✒️ J.P. Morgan Asset Management adds $500 million of southern timberland
✒️ OPEC+ ministers set to stay the course on Oil production amid China covid woes
✒️ Raymond Q3 Profit down 4.4% to ₹97 Cr; income up 17.6%
✒️ Govt allocate ₹35,000 Crore for energy transition, achieve net-zero by 2070
✒️ Govt to infuse ₹52,937 Crore into BSNL in FY24

Thanks
Rajneesh Sharma

1st Feb 2023

India’s salaried class got its Budget due.

The FM in her speech announced a rebate in n income tax limit to 7 lakh in new tax regime. She also reduced the number of slabs to 5, which will be:
0-3 lakh- nil
3-6 lakh -5%
6-9 lakh – 10%
9-12 lakh-15%
12-15 lakh -20%
Above 15 lakh – 30%
For big earners, the highest effective tax rate has been reduced from 42.7 percent to 39%. The FM left LTCG unchanged, cheering the bourses.

Govt to reduce customs duty on shrimp feed to promote exports: FM Sitharaman

Taxes on cigarettes hiked by 16 percent

Basic import duty on compounded rubber increased to 25 percent from 10 percent.

Basic customs duty hiked on articles made from gold bars

Customs duty on kitchen electric chimney increased to 15 percent from 7.5 percent.

Customs duty on parts of open cells of TV panels cut to 2.5 percent.

Govt proposes to reduce customs duty on import of certain inputs for mobile phone manufacturing.

Personal finance proposals

One-time, new savings scheme for women with a tenure of two years to offer 7.5 percent interest rate with partial withdrawal option.

For senior citizen maximum deposit limit for saving will be from 15 lakh to 30 lakh

Investment limit in small savings schemes like Senior Citizen Saving schemes (SCSS) increased to Rs 30 lakh from 15 lakh earlier.

Investment limit in Monthly income scheme (MIS) increased to Rs 9 lakh, up from rs 4.5 lakh, for single account. For joint accounts the limit has gone up to Rs 15 lakh, up from 9 lakhs.

No news on bank privatisation

More than an hour into the Budget 2023 speech, FM Nirmala Sitharaman has not touched up on any key banking sector reforms including the long held promise of privatisation of public sector banks. To be sure, this is no surprise. Ahead of the 2024 general elections and considering the politically sensitive nature of the move, the Government was expected to keep mum on the bank privatisation issue. However, one must remember that privatisation of at least two PSBs was a key announcement in Sitharaman’s last budget. A year later, this is nowhere discussed. Is bank privatisation totally off the agenda or is the FM keeping the big announcement to the last

25th January 2023

Shubham Housing Dovelopment Finance Co Ltd.

We are doing Home Loan and Loan Against Property, up to 50 lack

1. Targetted Profiles-Salaried including Policemens, MCD employees and professional employees ,
2. We are doing without ITR also on the basis of business vintage LAP and Home Loan both up to 25 lacs and above 25 lacs on the basis of financial
3. Rate of Interest will be start for HL from 9.90% and for LAP start from 13%
4. We are doing every property like Lal Dora of whole Delhi NCR, Dwelling unit, Gram Panchayat Property, Without Map Properties, Stone Slab Properties, Regularize Colony, Unathorized Property for whole delhi NCR like Delhi, Noida, Ghaziabad, Faridabd
   5.We are also doing direct registry from khasra/khatoni with RM
   6.We are doing M profile also for both HL and LAP
   7.We are doing HL if builder or seller having GPA in his name and now our customer who is purchasing the property and registry to be happen we are doing whether it is registered GPA or notarized, GPA will current month
   8.We are doing subject to sale deed cases of LAP
   9.We are doing Purchase+Construction cases in HL and LAP for commercial purchase
   10.We are doing Gpa before 2011 HL

We are having different products for structuring the cases like NIP, LIP, Banking etc.
CIBIL calls are also taken with justified reasons

Regards
Rajneesh Sharma
9560562123

24th January 2023

HDFC BUSINESS LOAN
Normal Buiness Loan

1. Age norms 21 -65 at maturity
2. Loan Max
   A) Normal 15L
   B) Elite > 15L-25 L
   C) Internal Large ticket >20 -30L
3. Tenure
   A) Min 12 /Max 36 M
   B) Max 48 M if Loan amt >5L & Business Stability >= 5Yr basic CPV or PFI
4. Busines stability 3 Yr in current Business and 5 Yr overall
5. Ownership Mandatory either resi or office
6. Min ITR 2.5 L
7. CTR
   A) Normal Income 30 %
   B) Elite 40%
   C) Internal large ticket 40%
8. Enquiry <= 3 in latest 6 M
9. T/o for Internal Customer trader & manf 60 L Services 40 L, Preferred or Imperia clients only

For external trader & manf 1.20 cr and Services 60 L

10. DSCR 1.25

Hope there is no issue in eligibility and DSCR calculation

NBL is up to 15 L
Elite is >15 to 25 L
Internal Large ticket is > 20 to 30 L
Rajneesh Sharma
9560562123

USP of Anand Rathi on Property

1. Lap on Industrial Floor property
2. Lap on Auction Property
3. Ware house property
4. Banquet hall property
5. Guest house property
6. Clinic
7. Lal Dora…up to 50lacs
8. GPA Property….up to 50lacs
9. PM Uday Property…up to 50lacs
10. Khasara Property…up to 50lacs

USP of Anand Rathi On profile..we are giving loans to every profile except..police.. lawyer..and Politicians

1. Builder Profile
2. Property Dealer profile
3. Share broker
4. Jeweler
5. Civil Contractor
6. Transporter
7. Manpower suppliers
8. Govt Contractor

USP on Cibil..

1. We are taking call on cibil before or during covide if current EMI is running properly from last 6month
2. We are doing debt consolidation cases also..
3. We are doing seller BT also
   Rajneesh Sharma
   9560562123

23rd January 2023

RBL BANK LAP POLICY

PRODUCT

1 – CASH PROFIT ( NET PROFIT )
2 – NORMAL INCOME ( TURNOVER)
3 – BANKING SURROGATE
4 – RENTAL PROGRAM

MINIMUM TICKET SIZE – 50LAKH
MAXIMUM TICKET SIZE – 15 CR

LTV
SORP – 80%
SOCP – 70%

VERY AGGRESSIVE ROI AS PER CMR AND WITH ATTRACTIVE AND COMPETITIVE ROI

PROPERTY
1 – SORP
2 – SOCP
3 – INDUSTRIAL PROPERTY COMMERCIAL USE
4 – COMMERCIAL PURCHASE

FORCLOUSURE AFTER 1 YEAR NIL

Regards
Rajneesh Sharma
9560562123

22nd January 2023

USP of Anand Rathi on Property

1. Lap on Industrial Floor property
2. Lap on Auction Property
3. Ware house property
4. Banquet hall property
5. Guest house property
6. Clinic
7. Lal Dora…up to 50lacs
8. GPA Property….up to 50lacs
9. PM Uday Property…up to 50lacs
10. Khasara Property…up to 50lacs

USP of Anand Rathi On profile..we are giving loans to every profile except..police.. lawyer..and Politicians

1. Builder Profile
2. Property Dealer profile
3. Share broker
4. Jeweler
5. Civil Contractor
6. Transporter
7. Manpower suppliers
8. Govt Contractor

USP on Cibil..

1. We are taking call on cibil before or during covide if current EMI is running properly from last 6month
2. We are doing debt consolidation cases also..
3. We are doing seller BT also

Regards
Rajneesh Sharma
9560562123

17th January 2023

• BIG NEWS * ✨✨✨✨

DBS BANK INDIA LTD
WORKING CAPITAL TEAM
*Now we are totally doing the case Through online System *

• Our Login to disbursement everything is digitally *
• No need any Hard copy \ No Physical documents *
• We are giving the clean OD upto 5 Cr on Banking Surrogate *

We are giving higher LTV on self occupied properties;
(Only on Self Occupied)
Commercial — 95%
Residential — 100%
Industrial — 70%

Thanks and Regards
Click here to contact Mr RAJNEESH SHARMA(ex-Banker-AXIS BANK and ICICI BANK) for DBS BANK LOAN

USP of Anand Rathi on Property

1. Lap on Industrial Floor property
2. Lap on Auction Property
3. Ware house property
4. Banquet hall property
5. Guest house property
6. Clinic
7. Lal Dora…up to 50lacs
8. GPA Property….up to 50lacs
9. PM Uday Property…up to 50lacs
10. Khasara Property…up to 50lacs

USP of Anand Rathi On profile..we are giving loans to every profile except..police.. lawyer..and Politicians

1. Builder Profile
2. Property Dealer profile
3. Share broker
4. Jeweler
5. Civil Contractor
6. Transporter
7. Manpower suppliers
8. Govt Contractor

USP on Cibil..

1. We are taking call on cibil before or during covide if current EMI is running properly from last 6month
2. We are doing debt consolidation cases also..
3. We are doing seller BT also
   

Thanks and Regards
Click here to contact Mr RAJNEESH SHARMA(ex-Banker-AXIS BANK and ICICI BANK) for ANAND RATHI LAP

*Standard chartered bank is offering an extensive range of LAP products

Loan amount – 1 Cr to 25 Cr
ROI – 8.85% to 9.15%
Tenor – 15 Years

Eligible entities:-
Partnership firm
Sole Proprietorship firm
Private limited companies (including closely-held limited companies)

Key features:-

1. Banking program – 3Crs
2. We can club 3 current account

BT loan EMI to be added in ABB

Last 12 months banking required – Eligibility will be calculated on Daily ABB.

2. Loan up 130% of the value of residential & commercial properties as term loan & working capital limit combo.

Various eligibility method :-
Industry Margin
EBDITA & Projected EBIDTA
Gross Profit
Gross Receipts for professionals
BTCRD – Upto 3 Crs.

18 Month RTR program

Pls, contact us we will provide you the fastest TAT & best services.

Regards
Rajneesh Sharma
9560562123

Standard Chartered Bank

11th Janaury 2023

DBS WORKING CAPITAL OFFERS✨✨✨✨✨✨✨✨✨✨✨✨✨

Business Crietria
▪︎Manufacturer, Traders, Service
▪︎Min 3 yrs of vintage
▪︎Lending except Individuals, HUF, Trust, Society
▪︎Turnover 3cr – 25cr
▪︎Loan upto 5Cr
▪︎Simple Overdraft offered -No Stock Statement, No DP , No Hassle
▪︎Assessment Basis 12 Month Bank Statements
▪︎OD Upto 20% for Trader/Service and 25% for Manufacturers
▪︎No Physical Docs to be submitted Fully Digitised process for Login to Sanction
▪︎ PCFC available for Exporters and special Loans for Importers
▪︎ 100% LTV on Resi and 95% on Commercial Self Occupied property
▪︎70% LTV on Industrial Property

Login Documents

▪︎12 months bank statement for all bank accounts in original pdf download
▪︎latest ITR
▪︎ KYC documents for Entity -PAN, GST ,VAT Registration, IEC etc
Promoter’s PAN, Passport, Adhar
and Property Owner’s PAN, Passport, Adhar
▪︎Details of collateral Security
▪︎ sanction letter latest of existing bank facilities including CC, OD, BL, PL ,LAP etc
▪︎ last 12 months GST returns
▪︎Consent Form on DBS format.

Thanks and Regards
Click here to contact Mr RAJNEESH SHARMA(ex-Banker-AXIS BANK and ICICI BANK) for DBS BANK LOAN

HDFC LAP offers

Products/Surrogates
::
1) Banking – Loan amount upto Rs 750 lacs, No financial required for loan upto Rs 400 lacs(4 a/c balance can be clubbed)
::
2) Repayment Track- Loan upto Rs 400 lacs, 18 months track required.
::
3) Gross turnover- Loan upto Rs 500 lacs, Product for manufacturer and trader. 8% margin or actual G.P whichever is lower.
::
4) LPO- Loan amount upto Rs 300 lacs(Eligibility to be made basis deposits received in bank CC, CA, OD a/c in last 12 months)
::
5) GST Booster- Loan amount upto Rs 300 lacs( Last 12 months Gst required)
::
6) GRP- Loan amount upto Rs 500 lacs for Doctor/CA/Architect.
::
Faster Processing
Higher Eligibility
Higher Payout
::
Best Pricing in the industry

Thanks and Regards
Click here to contact Mr RAJNEESH SHARMA(ex-Banker-AXIS BANK and ICICI BANK) for DCB BANK LOAN

9th January 2023

In Kotak Mahindra Bank Lap case on commercial purchase:

• They can do funding up to 150% of agreement value subject to 65% LTV on MV of commercial property purchase
• And 55% LTV on MV of Industrial purchase.
  Highest income eligibility with FOIR up to 200%.

OPENING BELL

🟣📈🟣🟣📈🟣📈😊🟣📈

🍁Tata Motors: Tata Motors Group global wholesales increased 13% on-year in the December quarter at 3.23 lakh units. Passenger vehicles sales were up 23% during the period at 2.25 lakh units. Meanwhile, Jaguar Land Rover wholesales, excluding China JV, rose 15% YoY to 79,591 units in December quarter, with a positive free cash flow of £400 million (Rs 4,003.15 crore).

🍁LT Foods/Chaman Lal Setia Exports/Others: Authorities are planning to remove the ban imposed in September last year on export of certain varieties of rice as domestic prices stabilise, according to a Bloomberg report. This will be positive for stocks of rice exporting companies.

🍁DB Realty: NCLT approved Adani Goodhomes’ resolution plan for Radius Estates, a JV partner of MIG (Bandra) Realtors & Builders, which is a subsidiary of DB Realty. Radius Estates and MIG are developing Project Ten BKC property in Mumbai.

🍁HDFC: The lender will sell its entire 17.5% stake in Kaizen Management Advisors for Rs 1.10 crore. Meanwhile, subsidiary HDFC Capital Advisors has achieved the initial close for Scheme 2 of the HDFC Capital Affordable Real Estate Fund–3.

🍁IRB Infrastructure Developers: The company reported a 32% YoY increase in consolidated Q3 toll revenue at Rs 388.01 crore.

🍁Sona BLW Precision Forgings: The company will acquire 54% stake in NOVELIC d.o.o. Beograd–Zvezdara for €40.5 million (Rs 355.98 crore).

🍁Indian Overseas Bank: The bank will increase lending rates by 5 basis points across tenors from Jan. 1, 2023.

🍁Lupin: The Spanish Ministry of Health approved the reimbursement of Lupin’s NaMuscla (mexiletine) for the symptomatic treatment of myotonia in adults with non-dystrophic myotonic disorders.

🍁Page Industries: Rohan Genomal resigned as Executive Director-Strategy, effective March 31, 2023, for personal reasons.

🍁Welspun Enterprises: Chief financial officer Sanjay Sultania resigned, effective Jan. 9, 2023, to take up other major responsibility within the Welspun Group.

🍁Stylam Industries: Abakkus Growth Fund increased stake in the company by 0.12% to 2.39%, while Sixth Sense India raised its shareholding by 0.26% to 4.5%.

🍁Surya Roshni: Mukul Agarwal increased stake in the company to 1.71%, while Vikas Khemani’s take remains unchanged at 1.45%.

🍁Gillette India: The board of the company will consider and approve results and dividend on Feb. 1.

🍁Procter & Gamble Hygiene & Health Care: The board will meet on Feb. 8 to consider and approve financial results for the December quarter and interim dividend.

🍁Star Health and Allied Insurance Company: Business Update for YTD Dec. 31, 2022 (YoY)

• The company registered 13% rise in total gross direct premium at Rs 8,752 crore.
• While gross direct premium in personal accident space increased 23% to Rs 133.5 crore, health-retail segment saw 19% growth at Rs 8,045.50 crore.
• Gross direct premium in health-group space declined 38% to Rs 571.70 crore.

2nd January 2023

Key highlights with DCB Bank

1- Home loan and LAP funding with Loan amount from 30 lakh to 300 lakh.

2- No ITR and Financials required for loans up to 1 Cr under Banking and low LTV..

3- Wide range of products for eligibility, Banking, Low LTV , GST, Gross profit, Emi equaliser, Liquid Income proof, Gross Turnover etc..

4-LTV up to 80% for SORP properties Under Gross Turnover Program for Lap.

5-Legal chain of last 13 years to be recorded only for clear title.

6-Home loan and Lap both options available with competitive ROI.

7- STBL product for 7 year clear title properties , Dwelling units , Stone slab properties, Third floor.

8- Home loan up to 50 Lakh allowed under Pure rental program.

9- LIP ( Cash Income) Programme Re started up to 2 CR loans.

10- Multiplier of 1.2 under EMI Multiplier program on Loans above 24 MOB.

11-Lap Roi starts from 10.70 and Home loan now starts from 9.75% (these are minimum Rates and depends on Collaterals, CIBIL score , Eligibility program).
Plz note Rates are revised as per current Hike in RBI repo rates.

12- School Funding up to 5 Cr for Delhi / NCR Schools..

13- Very Aggressive Payout structure for individual and Corporate Dsa’s..

Plz call / Drop Message for any enquiry and further information

Thanks and Regards
Click here to contact Mr RAJNEESH SHARMA(ex-Banker-AXIS BANK and ICICI BANK) for DCB BANK LOAN

IDFC SUVIDHA LOAN

We are doing Lap in all NCR upto 75 lakh.

No GST NO ITR.
ONLY KYC+BANKING.

Property type:-
DUAL unit,
subdivided property,
property without map
Property with khasra number only
Lal dora property
Joda property
3rd floor without map
T-Iron property
4th floor

Elegibility Programe:-
Pure Rental programe
Banking programe
Cash and white rentals
Fast track BT
VIP(itr base) programe

Property with single sale deed

Property with khasra number only

Loan Without registered mortgage

Loan without financial and GST

Instant soft approval without IMD cheque

commercial and industrial purchase

LTV :- upto 80%

Thanks & Regards
Click here to contact Mr RAJNEESH SHARMA(ex-Banker-AXIS BANK and ICICI BANK) for IDFC SUVIDHA LOAN
IDFC FIRST BANK LTD

Aditya Birla Finance Ltd.

Deals in – Line of credit (CC)/Working capital (OD)/DOD/LRD/Term Loan in Delhi/NCR

Tickets size :- 5 Cr. – 50 Cr.

Property type :-

Residential

Commercial

Industrial

Plots

Warehouse’s

Farmhoouse’s

School’s

Hospital’s

Hotel’s

LTV @
Residential – 90-100%
Commercial – 80-85%
Industrial – 75-80%
Plot – 50-70%

Transactions type for all above properties:-

1. Purchase & (P+C).
2. Working Capital(Line of credit) like CC/OD.
3. LAP/Term Loan.
4. DOD.
5. LRD.

Also doing for :-

Trust/Society

HUF

• Best Structuring Funding in the market

Best Regards
Click here to contact Mr RAJNEESH SHARMA(ex-Banker-AXIS BANK and ICICI BANK) for ADITYA BIRLA FINANCE LTD LOAN

26th December 2022

Axis Bank

*Axis Finance offers Loan against property & Home Loan @ Attractive pricing upto 5cr & 10cr respectively.
*
ROI starts from 8.75% in HL & 10.75% in LAP

– Industrial lap & purchase upto 100% agreement value.
– Industrial Plot
– Commercial Lap & Purchase.
– Residential property LAP & home loan
– Regularised Property LAP & Home Loan
– Sub divided property
– HUF owned properties
– Legal Challange case
– Online / Paperless Login
– 25 Beded Hospital
– Authorized school & Play way school property
-Approved Ware house for LRD
– Approved PG

Eligibility Norms

– Normal Income
– BT track
-Banking surrogate
-Gross Margin/Profit
– Special Program for Professionals.
– LIP

Please call for more Details

Contact-Rajneesh Sharma(Regional Sales Head-Andromeda) on myloansoffers.in

21st December 2022

Dabur India: Entities of Burman family, who are part of the majority shareholders of the company, have sold approximately 1% shares through a block deal on Dec. 20.

TODAYS HIGHLIGHT

Sterling and Wilson Renewable Energy: Promoters Shapoorji Pallonji Group and Khurshed Yazdi Daruvala will exercise the oversubscription option for their stake sale as the first day of the issue received 153% demand from the non-retail category.

Bharti Airtel: The company entered an agreement to acquire 8% share in technology start-up Immensitas Pvt. Ltd. (Lemnisk).

Uno Minda: The company entered a technical license agreement with Korea’s Ascentec to strengthen its advance automotive sensors product portfolio.

Central Bank of India: The board will meet on Dec. 26, 2022, to consider and approve raising fund through issuance of Tier II bonds.

Shyam Metalics and Energy: The company will conclude the acquisition of Mittal Corp. to strengthen its metal portfolio by entering the stainless steel/wire rod and bar mill business.

GAIL (India): The company raised 1,575 crore via issuance of non-convertible debentures on private placement basis to refinance existing borrowings and/or fund its capital expenditure.

Union Bank of India: The bank subscribed 2.01 crore equity shares of Star Union Dai-Ichi Life Insurance Company offered under rights issue by the company at Rs 25 per share, aggregating to Rs 50.20 crore.

City Union Bank: The Reserve Bank of India discovered divergence in additional gross NPA for the fiscal ended March 2022, amounting to Rs 259 crore.

Mindspace Business Parks REIT: The company issued commercial papers worth Rs 100 crore to raise funds to be utilised towards working capital requirements its asset SPVs.

Jubilant Ingrevia: The company issued commercial papers worth Rs 150 crore on Dec. 20, 2022.

NIFTY RESISTANCE 18500++ ABOVE SUSTAIN MORE BULLISH BELOW WEAK ZONE

NEWS UPDATE: INDIAN GOVT LIKELY TO CONTINUE WITH RESTRICTIONS FOR DIRECT FLIGHTS WITH CHINA. THE TRASPORTATION TO BE ALLOWED VIA HONK KONG, SINGAPORE. GOVERMENT TO START COVID SCREENING AT ALL INTERNATIONAL AIRPORTS.

20th December 2022

TODAYS HIGHLIGHTS

NDTV: Adani Group subsidiary Vishvapradhan Commercial Pvt. Ltd. has bought 8.27% stake in the company via open offer, taking its overall shareholding to 37.45%.

Jet Airways: The monitoring committee informed NCLT that slots have not been procured for Mumbai and Delhi airports as pending dues, required to be paid as per resolution plan, have not been deposited with airport authorities in these two cities.

Sterling and Wilson Renewable Energy: Promoters Shapoorji Pallonji and Co. and Khurshed Yazdi Daruvala will sell up to 3.69% and 1.58% stake of the company, respectively, amounting to 1 crore shares, at a floor price of Rs 270 per share on Dec. 20 and 21.

HDFC: The lender raised home loan rates by 35 basis points for customers with credit scores over 800. The new rates, effective Dec. 20, will start from 8.65% for such customers.

DFM Foods: The discovered price from the company’s delisting process is Rs 525 apiece, compared to its floor price of Rs 263.80.

IRB Infrastructure Developers: The board of the company will meet on Jan. 4, 2023, to consider a stock split.

IRCTC: Life Insurance Corporation of India increased its stake in the company to 7.28% from 5.01%.

Bank of India: The bank infused Rs 57.92 crore in its joint venture Star Union Dai-lchi Life Insurance Co.Ltd.

Just Dial: Promoter Reliance Retail Ventures Ltd. will sell 16.86 lakh shares, representing 2% of the overall shareholding, via open market sale to achieve minimum public shareholding.

NBCC (India): The company secured a project worth Rs 69.3 crore for construction of multistoried quarter complex at Bhoinager, Bhubaneswar by Odisha Power Transmission Corporation.

Ipca Laboratories: The company acquired additional 6.53% stake in Trophic Wellness Pvt. Ltd., taking its overall shareholding to 58.88%.

19th December 2022

IDFC FIRST BANK LTD

We are doing Lap in all NCR upto 75 lakh.

No GST NO ITR.
ONLY KYC+BANKING.

Property type:-
DUAL unit,
subdivided property,
property without map
Property with khasra number only
Lal dora property
Joda property
3rd floor without map
T-Iron property
4th floor

Elegibility Programe:-
Pure Rental programe
Banking programe
Cash and white rentals
Fast track BT
VIP(itr base) programe

Property with single sale deed

Property with khasra number only

Loan Without registered mortgage

Loan without financial and GST

Instant soft approval without IMD cheque

commercial and industrial purchase

LTV :- upto 80%

Banking Programme@HDFC Bank

Income calculation

No fianncials reqd, Last 18 months ABB (Emi*4)—–UPTO 3cr

50% Eligibility reqd. on financials, Last 12 months ABB (Emi*4)—–UPTO 7.5cr

Incase HDFC Banking multiplier is (Emi*2.5)
Acceptable properties Residential/Commercial/
Industrial UPTO 2 cr

Competitive Pricing

Fster Credit TAT

Pre login disccussion with Credit

Both LAP and DOD can be provided

TODAYS HIGHPOINTS

Yes Bank: The private lender has concluded assignment of Rs 48,000 crore worth of stressed assets to JC Flowers Asset Reconstruction Co.

Sun Pharmaceuticals: The company received warning letter from USFDA for the Halol facility, which is under import alert by the regulator, summarising violations with respect to Current Good Manufacturing Practice regulations.

GMR Airports Infrastructure: GMR Airports International BV, a stepdown subsidiary of the company, y received Rs 1,389.90 crore against the sale of shares in GMR Megawide Cebu Airport Corporation and the issuance of exchangeable notes to Aboitiz InfraCapital Inc.

Shilpa Medicare: The company launched Capecitabine 1000 MG dispersible tablet with faster dispersion technology.

Tata Motors: Bengaluru Metropolitan Transport Corporation signed a definitive agreement with the company’s subsidiary TML Smart City Mobility Solutions for operating 921 electric buses in Bengaluru.

The Phoenix Mills: The company completed acquisition of a 7.2-acre land parcel in Surat, Gujarat for Rs 510 crore.

Dilip Buildcon: The company received an new order worth Rs 1,647 crore for four-laning of Karimnagar Warangal Section of NH-563 in Telangana. The company also received an order worth Rs 1,955 crore for construction of four lane Urga-Pathalgaon section of NH-130A under Bharatmala Pariyojana’ in Chhattisgarh. It received another order worth Rs 1,589 crore for evelopment of six-lane Maradgi S Andola to Baswantpur (Package -III of Akkalkot-KNT/TS Border) in the state of Karnataka.

Tech Mahindra: The company will sell 100% stake in subsidiary Dynacommerce Holdings to step down subsidiary Comviva Netherlands BV for €6.6 million.

HDFC Bank: The board will meet on Jan. 14 to consider and approve the financial results for quarter ended Dec. 31, 2022.

Key highlights with DCB Bank

1- Home loan and LAP funding with Loan amount from 30 lakh to 300 lakh.

2- No ITR and Financials required for loans up to 1 Cr under Banking and low LTV..

3- Wide range of products for eligibility, Banking, Low LTV , GST, Gross profit, Emi equaliser, Liquid Income proof, Gross Turnover etc..

4-LTV up to 80% for SORP properties Under Gross Turnover Program for Lap.

5-Legal chain of last 13 years to be recorded only for clear title.

6-Home loan and Lap both options available with competitive ROI.

7- STBL product for 7 year clear title properties , Dwelling units , Stone slab properties, Third floor.

8- Home loan up to 50 Lakh allowed under Pure rental program.

9- LIP ( Cash Income) Programme Re started up to 2 CR loans.

10- Multiplier of 1.2 under EMI Multiplier program on Loans above 24 MOB.

11-Lap Roi starts from 10.70 and Home loan now starts from 9.75% (these are minimum Rates and depends on Collaterals, CIBIL score , Eligibility program).
Plz note Rates are revised as per current Hike in RBI repo rates.

12- School Funding up to 5 Cr for Delhi / NCR Schools..

Bajaj Housing Finance Ltd – LAP

Key USP’s:-

1) Banking Surrogate upto 500 lacs.

2) Low LTV upto 100 lacs

3) Gross profit product upto 10 Cr-80% FOIR.

4) DOD product available even for rental cases.

5) Fastest TAT, Superb Payouts.

6) Calls taken on collateral as well.

7) Lap Against Rentals – no escrow no need to mortgage rental generating property. Multiple tenant rental+property considered.

16th December 2022

TODAYS HIGHPOINTS

🍁Reliance Industries: Reliance Consumer Products launched FMCG brand ‘Independence’ in Gujarat to cater to demand in categories like edible oil, staples, processed foods, beverages and other daily essentials. Reliance Digital Health, another subsidiary of the company, signed a deal to acquire 2.25% stake in New York-based Synchron.

🍁Wipro: The company signed deals with a five-year, multi-million-dollar deal with Mazda Motor Logistics Europe to help industrialise Mazda IT, digitise processes, and enable agile DevOps. It signed another deal with fintech player Finastra to deploy its trade finance solutions in Middle East.

🍁Deepak Fertilisers and Petrochemicals Corporation: The board approved a composite scheme of arrangement to restructure the company’s mining chemical and fertiliser businesses.

🍁Hindustan Petroleum Corporation: The company will raise Rs 10,000 crore debt via non-convertible debentures, bonds or notes.

🍁HDFC Asset Management Company: Life Insurance Corporation of India increased its stake in the company to 9.053% from 7.024%.

🍁AIA Engineering: The company will buy 26% stake in Clean Max Meridius.

🍁Hindustan Foods: The company will purchase Himachal manufacturing plant of Reckitt Benckiser for Rs 156 crore.

🍁Shriram Transport Finance: The board will meet on Dec. 24 to consider the proposal for a dividend.

🍁Shriram Pistons & Rings: The company will acquire majority stake in Singapore-backed electric motor design and manufacturing specialist company EMF Innovations through subsidiary SPR Engenious for a consideration of Rs 78 crore.

🍁SJVN: Subsidiary SJVN Green Energy achieved financial closure of its 1,000 MW solar power project at Bikaner, Rajasthan.

🍁IRCTC: The offer for sale by the company was oversubscribed 3.08 times on the first day. It will open on Dec. 16 for retail investors.

15th December 2022

Bajaj Housing Finance Ltd – LAP

Key USP’s:-

1) Banking Surrogate upto 500 lacs.

2) Low LTV upto 100 lacs

3) Gross profit product upto 10 Cr-80% FOIR.

4) DOD product available even for rental cases.

5) Fastest TAT, Superb Payouts.

6) Calls taken on collateral as well.

7) Lap Against Rentals – no escrow no need to mortgage rental generating property. Multiple tenant rental+property considered.

*Banking LPO @HDFC Bank *

::
Income calculation basis the last 12 months credits of all Current/CC account credits. 8% margin calculations on all these credits. Normal FOIR.
::
Loan amount upto 300 lacs. Acceptable properties Residential/Commercial.

Competitive Pricing

Faster Credit TAT

Pre Login discussion with Credit

Both DOD andLAP can be provided

IndusInd Bank Lap vertical

Product Offerings – LAP/LRD/DOD

Vanilla – Income Based

Net Profit + Depreciation + Interest on Loans + Rental Income + Agriculture Income

• Obligations.

EMI Equaliser-
12 Months – 1.20 times
12-18 months – 1.5 times

18 months – 1.7 times
Loan to be restricted to original loan amount with capping of 3 Cr max.

Banking Surrogate — Max loan 5 Cr
ABB = EMI*2 times – LTV – 65% on residential and 60% on commercial

GTP – Max loan – 5Cr Manufacturing/Service/Trader – 8% profit
FOIR – upto 75%

LRD – Max 9 years with CAT A tenant
FOIR to be restricted upto 75%

IndusInd Bank LAP:

1) 20 Years Tenure applicable for –
SORP
SOCP
RCPP

2) LTV as per better credit score (internal)
LTV at SORP -80%
LTV at SOCP -75%
LTV at RCP -70%

3) Program applicability for Higher Tenure & Higher LTV-

BTR-Yes
NIP- Yes
GTP- Yes
GST- Yes
BKP- Yes
NIP Rental – No*

4) *Score Above 61- 18 Years Tenure
Score Above 75- 20 Years Tenure

Key highlights with DCB Bank

1- Home loan and LAP funding with Loan amount from 30 lakh to 300 lakh.

2- No ITR and Financials required for loans up to 1 Cr under Banking and low LTV..

3- Wide range of products for eligibility, Banking, Low LTV , GST, Gross profit, Emi equaliser, Liquid Income proof, Gross Turnover etc..

4-LTV up to 80% for SORP properties Under Gross Turnover Program for Lap.

5-Legal chain of last 13 years to be recorded only for clear title.

6-Home loan and Lap both options available with competitive ROI.

7- STBL product for 7 year clear title properties , Dwelling units , Stone slab properties, Third floor.

8- Home loan up to 50 Lakh allowed under Pure rental program.

9- LIP ( Cash Income) Programme Re started up to 2 CR loans.

10- Multiplier of 1.2 under EMI Multiplier program on Loans above 24 MOB.

11-Lap Roi starts from 10.70 and Home loan now starts from 9.75% (these are minimum Rates and depends on Collaterals, CIBIL score , Eligibility program).
Plz note Rates are revised as per current Hike in RBI repo rates.

12- School Funding up to 5 Cr for Delhi / NCR Schools..

13- Very Aggressive Payout structure for individual and Corporate Dsa’s..

Aavas Finance Limited Home Loan

1.Fresh Home Loan.
2.BT
3 . Registry From Builder .

4. .we are doing non-income proof Profile for SENP
   5.we are doing cash salary profile
   ✓ Login cheque 5900/-.
   ✓ online fees 2950/_
   ✓ ROI 8.50 to 11%. Redusing.
   ✓ Approved
   ✓ We Are doing salried M Profile also.

Economic Times

India’s Nov retail inflation eases to 11-month low of 5.88%

India’s industrial production contracts 4% in October

Russia offers India leasing and building of huge capacity ships

Serum Institute seeks nod for adult TB vaccine

Gold loan NBFCs see demand surge

UK Trade Secretary Kemi Badenoch visits India for 6th round of FTA talks, 1st since July

Paddy procurement for central pool up 13% at 38 million tonnes till December 11

Bank credit to exporters shrinks 25% as exports dip in October

Dalmia Bharat to acquire Jaypee Group’s cement assets for Rs 5,666 crore

RBI sells USD 33.42 bn in Apr-Sep FY23 to curb rupee volatility

Tata Motors board gives in-principle approval for Tata Tech IPO

ICICI Bank raises Rs 5,000 crore via bonds

Java Capital launches Rs 75 crore seed-stage fund

Business Standard

📝 NBFCs’ share in India’s lending pie fell to 5-year low of 19.8% in H1FY23

📝 Aviation ministry lists five-point action plan to decongest Delhi airport

📝 Helped by PLI scheme, Apple’s India exports set to hit Rs 20,000 crore

📝 Govts to spend $11.6 billion on tech in 2023, says Gartner report

📝 Expand PLI scheme for electronics inputs and components, ICEA tells Centre

📝 In a first: Bajaj Allianz set to launch surety bonds on December 19

📝 WTO: India seeks views on consumer protection in e-commerce sector

📝 McDonald’s to hire 5,000 people, double stores in Northern, Eastern India

📝 Mondelez Intl expands multi-year cybersecurity contract with HCLTech

📝 OYO announces launch of category for highly rated hotels in 70 cities

📝 ONGC to invest Rs 2,150 cr on drilling 53 exploratory wells in Andhra

📝 GST Council meeting: Panel for raising threshold for offences to Rs 2 cr

📝 India, UAE want to use relationship to shape changing world: Jaishankar

📝 Over 60% of returns filed for amount less than Rs 5 lakh, shows data

📝 Uttar Pradesh sets a target of Rs 40,000 cr investments in energy sector

📝 India imports 131.92 MT coal worth Rs 2.3 trillion in Apr-Sep this year

Financial Express

📝 Kirloskar Brothers’ shareholders reject demand for forensic audit

📝 pepsico india holding fy22 profit declines 76.2 per cent to rs 41.63 crore; revenue up 21.6 per cent

📝 Around 44 per cent of youth in rural areas aspire to run a business: Report

📝 Nearly 8,000 MSMEs shut in FY23 so far: Govt data 

📝 All-India electricity demand may grow 7 pc to 1,480 BU in FY23: Icra

📝 ECLGS: 57% of Rs 5 lakh cr disbursed till Nov; NPAs at 3.89%

📝 NCLAT sets aside liquidation of Febris Multispeciality Hospital; orders probe into RP’s conduct

📝 US inflation will be much lower by end of 2023, says Janet Yellen

📝 Investor network FAAD gets Sebi nod to launch Rs 300 crore fund

Mint

📝 Pfizer expects $10 bn- $15 bn in annual mRNA vaccine revenue by 2030

📝 Union budget may peg Indian railways operating ratio below 95%

📝 Air India collaborates with Microsoft for productivity, cost saving and security

📝 RBI slaps penalty on 13 cooperative banks for breaking regulatory norms

📝 Rajya Sabha clears Bill to mandate use of green energy

📝 Industry wants customs duty exemption on handset parts

📝 IMF says global debt well above pre-pandemic levels despite steep 2021 drop

📝 FinMin issues directives for govt vehicles to be scrapped older than 15 years

📝 Mahindra CIE invests ₹24.26 mn in Strongsun Solar.

Bajaj business loan,business od and professionals loans-doctors and CA

For Proprietorship bl and od-
1.Applicant kyc,pan and electricity bill for ownership
2.Gst certificate not less than 3 years
if less ITR needed with CA attested and audited
3.Current account banking lastest 6 months and
current account should be minimum 1 year old
4.Msme

Partnership bl documents

1.Main Applicant kyc,pan and electricity bill for ownership
2.Gst certificate not less than 3 years
if less ITR needed with CA attested and audited
3.Current account banking lastest 6 months and
current account should be minimum 1 year old
4.Msme

For Private limited bl and od

1.Applicant kyc
2.LOD AND LOS
3.AOA,MOA,COI
4.Company pan
5.Current account banking latest 6 months
6.Gst certificate

Note:cibil should be more than 685 for bajaj bl and od

Tata Housing

1. Builder Program Available at Delhi, Mumbai, Bangalore, Hyderabad, Chennai, Pune & Ahmedabad.
2. Core Collateral to be SORP Only.
3. Additional collateral can be Residential, Industrial or Warehouse – rented. Vacant properties as additional collateral also not allowed.
4. Normal Income Program.
5. Min Cibil -725; CMR 5.

RBL Bank LAP :

Greetings from RBL Bank Ltd

*We have started funding on Industrial property ( SOIP with LTV up to 55%)

Also we also Started DOD product…

Lap on Banking surrogate also up to 5 cr now.

We can do Home Loan BT with attractive ROI.*

1.Loan Amount upto 15 cr.
2.LTV upto 80%in SORP,75% in SOCP and 55% in SOIP meeting specific conditions of Cibil and CMR rating ..
3.Best rate deals

4. No payout capping
5. 4 days TAT of financial approval
6. LAP Tenure upto 15 years
7. We are doing Commercial purchase .