Products overview

Products

Vistaar’s offering has been increasing in both ticket size and tenor. Today Vistaar has four different products, which cover an entire spectrum of capital requirements for our customers, the latest of which is the Bill Discounting product & Equipment finance.

  • Small Business
    Hypothecation Loan (SBHL)
  • Loan amount upto:
    Rs 95,000
  • Typical tenor:
    2 years
  • Typical ROI:
    27% - 29.5%
  • This facility is offered to serve the requirements of small business across all sectors of economy like, all kinds of shops (general, kirana, hardware, utensil, cloth/readymade, shoe, pharmacy etc.), small enterprises based out of home/cottage (powerloom, autoloom, handloom, snacks making, pickle/papad, jelly making etc.), services (hotel/tea/bakery, welding, engineering works etc.) and non-farm enterprises (dairy, agri processing etc.)

  • Small Business
    Mortgage Loan (SBML)
  • Loan amount upto:
    Rs 25 Lakhs
  • Typical tenor:
    5 years
  • Typical ROI:
    15% - 25%
  • The purpose of this loan is to serve small businesses, self-employed segment like traders (all kinds of shops), manufacturers (small manufacturing industries, mills) & services (hotel industry, lathe machine, garages) that require larger amount of capital to better their operational, working capital capacities.

  • Anchor Based Bill
    Discounting
  • Anchor limit: Upto
    5 Crs
    Vendor limit: Upto
    25Lakhs
  • Typical tenor:
    90 days
  • Typical ROI:
    14% - 16.5%
  • This product is offered to manufacturing units that are located in small towns, semi urban and industrial areas. It typically caters to the Tier I / II manufacturers such as enterprises who purchase the raw materials from various aggregators. The average annual turnover of the business is usually 1 crore or above.

  • >
  • LOAN AGAINST
    CARD RECEIVABLES (LACR)
  • Loan amount upto:
    Rs 25 Lakhs
  • Typical tenor:
    9 - 18 months
  • Typical ROI:
    15% - 20% (Flat)
  • This product is offered to retail traders or other business entities where part of their sale happens through POS machine. Apart from other credit criteria, a multiplier is applied to average monthly card sales recorded by the customer in 12 months

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