Eligibility criteria
- Clear ownership
- No active hypothecation
- Valid RC / asset documents
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Refinance
Unlock Cash From Existing Assets
Generate liquidity from fully owned assets like cars, commercial vehicles, or machinery — without selling them.
- Up to 80% of current market value
- Tenure 1–5 years
- Asset stays with you
- Lower rate than unsecured
Interest from 12% p.a.
EMI calculator
Plan your repayment
EMI Calculator
Live calculationQuick presets
50k50 L
Starting 9.9%*Up to 24%
1 yr5 yrs
No prepayment20% / year
Monthly EMI
₹ 11,122
for Personal Loan · 5 years @ 12.00%
Principal 75% Interest 25%
Principal₹ 5.00 L
Total interest₹ 1.67 L
Total payable₹ 6.67 L
*Indicative EMI based on the selected rate. Final rate, tenure and EMI are at the lender's discretion and depend on your credit profile.
Interest rates mentioned are indicative and final interest rates, eligibility, and approval terms are subject to lender policies and applicant profile.
Documents required
- RC / asset ownership proof
- Valuation report
- Insurance copy
- KYC & income proof
Fees & charges
Processing 1.5–2.5%.
Why route through Velixa
- Lowest rates from 40+ banks & NBFCs
- Single-window documentation
- Dedicated relationship manager
- Transparent fee disclosure
- Pre-approval eligibility checks
- Post-disbursal servicing support
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Other loan products
Personal Loan
Unsecured funds for personal needs — rates starting from 9.9%* p.a. onwards, disbursed in 24–72 hours.
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Business Loan
Collateral-free MSME funding up to ₹1 Cr* — rates ranging from 8.00%* to 30.00%* p.a.
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Home Loan
Buy, build or renovate your home — rates starting from 8.35%* p.a. onwards.
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Loan Against Property
Unlock liquidity from residential or commercial property.
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