Loan & Insurance Services | Aparna Financial Solutions
Aparna Financial Solutions & Services

Loans & Insurance
All Services, One Place

Complete loan & insurance solutions — Personal to Government Scheme Loans, Life to Motor Insurance. Expert guidance, fast processing, best rates.

Loan Services
Insurance Services
All Loan Types

Choose the Right Loan for You

11 types of loans — from personal emergencies to government-backed business schemes. Fast processing, minimal documents, best rates.

Personal Loan (PL)

Unsecured

Quick loan for any personal need — medical emergency, wedding, travel, renovation. No collateral required.

Loan Amount
₹50K – ₹40 Lakh
Interest Rate
10.5% – 24% p.a.
Tenure
12 – 60 Months
Processing
24–72 Hours
  • No collateral or security required
  • Aadhaar, PAN, salary slip — minimal docs
  • For salaried & self-employed both
  • Flexible EMI repayment options
Apply Now

Business Loan (BL)

Secured / Unsecured

Fuel your business — working capital, machinery, expansion or stock financing for MSMEs and proprietorships.

Loan Amount
₹1L – ₹2 Crore
Interest Rate
11% – 22% p.a.
Tenure
12 – 84 Months
Processing
3–7 Days
  • Collateral-free options up to ₹50 Lakh
  • GST returns and bank-statement based
  • For MSMEs, proprietorship & companies
  • Overdraft and term loan options
Apply Now

Home Loan (HL)

Secured

Purchase, construct or renovate your dream home with the lowest rates from all major banks and NBFCs.

Loan Amount
₹5L – ₹5 Crore
Interest Rate
8.35% – 11% p.a.
Tenure
Up to 30 Years
Tax Benefit
80C + 24(b)
  • Up to 90% funding of property value
  • Balance transfer to lower interest rate
  • Purchase, construction & renovation
  • Tax benefit under Sec 80C and 24(b)
Apply Now

Loan Against Property (LAP)

Secured

Unlock your property's value — mortgage residential or commercial property for a large loan at low interest.

Loan Amount
₹10L – ₹10 Crore
Interest Rate
9% – 14% p.a.
Tenure
Up to 20 Years
LTV Ratio
Up to 70%
  • Residential or commercial property accepted
  • Use funds for any personal/business purpose
  • Continue using property during tenure
  • Lower rate than personal loan
Apply Now

Used Car Loan

Secured

Finance your pre-owned car with up to 85% of car value, easy EMI and quick 48-hour approval.

Amount
₹1L – ₹50L
Rate
13% – 22% p.a.
Tenure
12 – 60 Months
Car Age
Up to 10 Years
  • Up to 85% of car value funded
  • All major car brands accepted
  • Approval within 48 hours
  • Simple RC and insurance documentation
Apply Now

New Car Loan

Secured

Drive home your brand-new car today with up to 100% on-road funding and flexible tenure options.

Amount
₹2L – ₹1 Crore
Rate
8.5% – 13% p.a.
Tenure
12 – 84 Months
Funding
100% On-road
  • 100% on-road price funding available
  • All brands and models covered
  • Same day dealer tie-up and delivery
  • Minimal documentation process
Apply Now

Instant Loan

Digital / Unsecured

Emergency cash within 1 hour — fully digital process, direct to your bank account, only Aadhaar and PAN needed.

Amount
₹5K – ₹5L
Rate
15% – 30% p.a.
Tenure
3 – 24 Months
Disbursal
Within 1 Hour
  • 100% digital — apply from anywhere
  • Instant approval and disbursal
  • Only Aadhaar & PAN required
  • Any urgent personal need
Apply Now

Education Loan

Secured / Unsecured

Fund your higher education in India or abroad — tuition, hostel, books, travel covered with moratorium period.

Amount
Up to ₹1.5 Crore
Rate
9% – 14% p.a.
Repayment
After Course +1 Yr
Tax Benefit
Section 80E
  • Covers tuition, hostel, books, travel
  • No EMI during study period
  • Tax benefit under Section 80E
  • India and abroad both covered
Apply Now

Gold Loan

Secured

Get quick cash by pledging gold jewellery — lowest interest, safe custody, same-day disbursal, flexible repayment.

Amount
₹10K – ₹50L
Rate
7.5% – 14% p.a.
LTV
Up to 75%
Disbursal
Same Day
  • Lowest interest among all loan types
  • Instant same-day disbursal
  • Safe & insured gold custody
  • Bullet or EMI repayment — your choice
Apply Now

OD / CC Loan

Revolving Credit

Overdraft and Cash Credit for businesses — revolving credit line for working capital and day-to-day operations.

Limit
₹1L – ₹5 Crore
Rate
10% – 16% p.a.
Interest On
Used Amount Only
Renewal
Annually
  • Pay interest only on utilized amount
  • Withdraw and repay multiple times
  • Ideal for seasonal cash needs
  • Against property, stock or FD
Apply Now

Government Scheme Loans

Subsidised / Backed

All central and state government-backed loan schemes — low or zero interest, subsidy benefits, easy eligibility for eligible applicants.

PM Mudra Yojana
Up to ₹20 Lakh
PMEGP
Up to ₹50 Lakh
PM SVANidhi
Up to ₹50,000
Standup India
₹10L – ₹1 Crore
Kisan Credit Card
Based on Landholding
CGTMSE
Up to ₹2 Crore
  • Subsidised / zero interest for eligible applicants
  • Capital subsidy under PMEGP & other schemes
  • We handle all paperwork & bank coordination
  • Available for SC/ST, Women & Minorities
Check Eligibility
Free Loan Consultation

Apply for a Loan Today

Expert advice on the right loan — minimal documents, best rates, fast processing.

All Insurance Plans

Choose the Right Insurance for You

Life, Health, Motor, Property & more — expert guidance to find the best plan from India's top insurers at the lowest premium.

Life Insurance

Term / Endowment / ULIP

Secure your family's future — term, endowment, money-back, whole life and ULIP plans from LIC, HDFC Life, SBI Life and more.

Sum Assured
₹5L – ₹10 Crore
Premium From
₹400 / Month
Tenure
10 – 40 Years
Tax Benefit
Under Sec 80C
  • Term plan — pure protection at lowest cost
  • Endowment — insurance + savings
  • ULIP — insurance + market investment
  • Tax deduction up to ₹1.5L under Sec 80C
Get Quote

Health Insurance

Individual / Family Floater

Comprehensive health cover — hospitalisation, surgery, pre/post hospital, day-care and critical illness add-on covered.

Sum Insured
₹3L – ₹1 Crore
Premium From
₹500 / Month
Network
5000+ Cashless Hospitals
Tax Benefit
Under Sec 80D
  • Cashless at 5000+ network hospitals
  • Pre and post hospitalisation covered
  • Critical illness rider available
  • Tax saving up to ₹50,000 under Sec 80D
Get Quote

Motor Insurance

Car / Bike / Commercial

Mandatory and comprehensive motor insurance for cars, bikes and commercial vehicles — third-party and comprehensive plans.

Coverage
Own Damage + TP
Premium From
₹2,000 / Year
Garages
3000+ Cashless
NCB Benefit
Up to 50% Discount
  • Third-party liability — mandatory by law
  • Comprehensive own damage + TP
  • No-Claim Bonus up to 50% on renewal
  • Cashless repairs at 3000+ garages
Get Quote

Property / Home Insurance

Home / Commercial

Protect your property from fire, flood, earthquake, theft and natural calamities — structure and contents both covered.

Coverage
Structure + Contents
Premium From
₹1,500 / Year
Calamities
Fully Covered
Claim
We Assist You
  • Fire, flood, earthquake, storm covered
  • Theft, burglary, vandalism covered
  • Household contents & valuables
  • Home and commercial both available
Get Quote

Business / Shop Insurance

MSME / Commercial

Protect shop, factory or office — stock, machinery, fire, burglary, public liability and business interruption all in one policy.

Coverage
Stock + Assets + Liability
Ideal For
MSMEs, Shops, Offices
Business Interruption
Covered
Liability
Public Liability Available
  • Stock and inventory damage coverage
  • Machinery breakdown and fire
  • Business interruption compensation
  • Employee and public liability options
Get Quote

Accident & Travel Insurance

Personal / Group

Personal accident protection daily and travel insurance for domestic and international trips — accident, medical and trip cancellation covered.

Accident Cover
₹5L – ₹1 Crore
Travel
India & International
Premium From
₹300 / Year
Coverage
Death + Disability + Medical
  • Accidental death and disability cover
  • Medical expenses during travel
  • Trip cancellation and baggage loss
  • Individual or group policy
Get Quote
Free Insurance Consultation

Get the Best Insurance Plan Today

We compare all top insurers and recommend best coverage at the lowest premium — tailored for you.