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An overdraft facility provided by a lender such as a bank or non-banking financial company is a type of loan which you borrow up to the limit permitted through your account with the lender.

An overdraft facility allows you to write cheques or withdraw cash from your current account up to the overdraft limit approved. It is a short-term (usually up to 12 months) standby credit facility which is usually renewable on a yearly basis. It is repayable on demand by the bank at any time.

Benefit : Use for Business or personal.

Security : Assets like financial instrument and property.

Account : Current Account.

Cash Credit

Cash credit is a type of short term loan provided to companies to fulfill their working capital requirement. Overdraft is a facility given by the bank to companies, to withdraw money "more" than the balance available in their respective accounts.

The cash credit facility is generally given for a period of 12 months and reviewed / revised at the end of the year.

Security : Pledge or hypothecation of inventory.

Account : CC Account.

Working Capital

Working Capital facility to the industry to finance day-to-day requirement. The working capital funds are generally required for purchase of raw materials, stores, fuel, for payment of labour, power charges, for storing finished goods till they are sold out & for financing the sales by way of sundry debtors / receivables. Cash Credit facility is granted to the customers to bridge working capital gap.

Repayment : A working capital loan is to be repaid in limited number of installments.

Tenure: A working capital loan is a short term loan and its tenure is usually a few months or years.

Allowed principle: A Working Capital Loan is capped much lower than a term loan.

Term Loan

A Term Loan is an asset backed long term loan that has a specific repayment schedule.

Repayment: A term loan has to be repaid in multiple regular installments over a period of time.

Tenure: A term loan, being a long-term loan has a longer tenure that can go as long as ten years.

Allowed Principal: A term loan usually has a larger principal as it is used for the purchase of long-term assets.

Lease Rental Discounting (LRD)

  • All resident individuals can apply. The lessee must however be a company as defined under the Companies Act, 1956.
  • Funding will be done only against ready commercial property. The same will be restricted to 85% of the net present value of the future rentals or 50% of the value of property, whichever is lower.

We have a range of products to cover your varied needs from our principles. You can avail Easy & Hassle Free of our Loan Against Property for any of the following:

  • Loan against Residential Property
  • Loan Against Commercial Property
  • Loan Against Industrial Property
  • Loan Against Vacant Land ( Non Agri)
  • Loan Against Patta / Gramanatham / Panchayat / X-Owner Patta / Joint Patta etc.
  • Loan Against trust property (School / College / Educational insistitues )
  • Loan against multi tenant Property
  • Balance transfer facility - Lets you retire your high cost debt
  • Loan against Rent Receivables - Lease rental discounting etc…

Other Services

LC (Letter on credit), BG (Bank Guarantee), SLCC, etc

Loan For Real Estate Developers

Construction Finance or Project Finance is a unique offering under which some banks directly finances real estate developers for projects they are developing. This product comes with customized offerings built around real estate developer’s project acquisition and construction cost basis a detailed evaluation of the project .Our focus in Construction Finance is primarily on financing residential projects which give fillip to retail mortgage business.

Advantages of taking Non Home Loan

Provides an extensive range of non home loan products like Loan for Purchase & Construction of Commercial Property, Loan Against Residential & Commercial Property and Lease Rental Discounting.

  • services ensuring easy and fast approval & disbursal of loans.
  • Excellent post disbursement services.
  • Facility of enhancement in loan amount in the event of escalations in cost.
  • High standards of ethics, integrity and transparency.
  • Various repayment options.

Avail project loans for running Schools / Colleges / Existing Companies etc. Based on the customer profile, income & Asset they will get the funding upto 65% from the project cost.

Services Offered

  • Address

    Indiya Dreams Consultancy Services
    No: 33, Nethaji Street, Ayapakkam,
    Chennai - 600077

  • Mobile

    709 203 8666,
    978 993 9463

  • Email