Gujarat · West India
Loans in Surat
Talk to the Surat desk
Tell us the need; we call back with lenders and documents to keep ready.
Products
What we arrange in Surat
Each product page explains what changes locally: documentation, lender appetite and typical ticket sizes.
Personal Loan in Surat
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Home Loan in Surat
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Business Loan in Surat
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Loan Against Property in Surat
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Car Loan in Surat
New car loans covering up to 100% of on-road price at rates from about 8.5% p.a., with tenures up to 7 years, across banks and captive finance companies.
- Rate from
- 8.50% p.a.
- Up to
- ₹2 Cr
The Surat credit market
Surat is the world's diamond polishing capital and India's largest synthetic textile hub, with a business community that borrows heavily for working capital, machinery and expansion. Loans against property, business loans and machinery finance dominate, while a growing salaried base and rapid urban expansion along the Dumas Road, Vesu and Pal corridors support strong home loan demand.
Lenders in Surat run sector programmes for diamond and textile units and are comfortable with the region's business conventions, but appetite varies with sector cycles, so lender selection matters. Our Surat desk tracks which lenders are active in each sector and handles SUDA and Surat Municipal Corporation approvals for property loans.
Economy and borrowers
Surat's economy is dominated by diamond cutting and polishing, synthetic textiles and embroidery, and a growing chemicals and engineering base at Hazira and Sachin GIDC. Rapid population growth and infrastructure investment, including the Dream City diamond bourse, have made it one of India's fastest-growing cities.
Property and home loans
Residential demand is strong in Vesu, Pal, Adajan, Althan and along Dumas Road and the Canal Road corridor. Stamp duty in Gujarat is 4.9% and registration 1%, with registration waived for women buyers. Lenders check SUDA or SMC approval and society share certificates, and most projects by established developers are on approved lists.
Lender presence
All major banks, HFCs and NBFCs are present in Surat, with strong LAP, machinery finance and working capital books for diamond and textile units and expanding home loan programmes along the new corridors.
FAQs
Borrowing in Surat
Can a diamond or textile unit get machinery finance in Surat?
Yes. Several banks and NBFCs run equipment finance programmes for diamond polishing machines, laser cutters, looms and embroidery machines, typically funding 70% to 90% of the invoice with tenures up to 7 years.
Are industrial sheds in Sachin and Pandesara eligible for loan against property?
Yes. Lenders finance industrial property in GIDC estates at around 50% to 60% loan-to-value with clear allotment and title documents.
Do you cover Navsari and Bharuch?
Our Surat desk serves Surat district including Hazira, Sachin, Pandesara and Kamrej, and can assist businesses in Navsari, Bardoli and Bharuch.
Zero fee to borrowers
Lenders pay us after disbursal. You never pay for advice, comparison or processing.
RBI-regulated lenders only
Every loan comes from a bank, HFC or NBFC, with a Key Fact Statement before you sign.
Working-hours contact only
We call between 9:30 am and 6 pm, identify ourselves and the lender, and never pressure.
Your data stays yours
Shared only with the lender you choose, protected under the DPDP Act, deleted on request.
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