We depend on our rich and diverse expertise, industry experience, commitment to integrity and ethics and personalised solutions. These are the milestones that aid us in helping our clients to solve their finances issues.

Small & Medium Enterprise(SME) Loans

A business loan given to Small & Medium Size enterprises (SME’s) are known as SME Loans. These loans are offered to SME’s to meet their verious requirements like setting up a unit, buying machinery, technology upgradation & other day to day working capital etc…

Mortgage Loan

Mortgage loan or loan against property means the borrower takes a loan which is secured against his current residential or commercial property. 

Personal Loan

Personal Loan is a collateral free loan based on income documents of individual or company. Since this is an unsecured loan thus the borrowers past track records of loans & credit score has to be good.

Personal loan processing is very easy as it required less documents as compare to any secured loan but it always attracts high rate of interest & shorter repayment period.

Business Loans Consultant

Loan given to self-employed, professionals or company without any collateral security is called a business loan.

The sanction of business loan is based largely on the creditworthiness of the borrower and the firm. The bank or the financial institutions will first take a look at your firm’s and your credit score and analyze your credit rating before offering loan. They will also look at your financial statements for the past 3 years, bank statements, Nature of business, its current and expected returns and the market trend.

Home Loan

Home loan is a secured loan given to individuals who aspire to build or buy a house. The property so purchased is mortgaged in the name of the lending institution as security, till the time the loan is fully repaid.
The lending institution will hold the original property related documents till the time the loan is fully repaid along with the interest.

Debt Consolidation

Debt Consolidation is a concept that will allow you to regain the confidence by minimizing the monthly outflow & maximizing the savings for future even without increasing the income.

The replacement of multiple loans with a single loan, often with a lower monthly payment and a longer repayment period.

 

 

Standard Documentation

 List of documents for Self Employed

Proprietary Firm

Partnership / LLP Firm

Private Limited Firm

KYC’s

2 passport size photo of Proprietor

2 passport size photo of all the partners

2 passport size photo of all the directors

 PAN card &Aadhar Card of proprietor

PAN card &Aadhar Card of all the partners

PAN card &Aadhar Card of all the directors

0

PAN Card of the Firm

PAN Card of the Firm

Residence proof of proprietor

Residence proof of all the partners

Residence proof of all the directors

Latest office addressed proof

Latest office addressed proof

Latest office addressed proof

Shop & Establishment/ Sales Tax/ Service Tax / GST registration Certificate (as applicable)

Shop & Establishment/ Sales Tax/ Service Tax / GST registration Certificate (as applicable)

Shop & Establishment/ Sales Tax/ Service Tax / GST registration Certificate (as applicable)

Financials

Full set of CA certified financials of AY 2018-16, 2017-18, 2016-17 & 2015-16 with 26AS.

Company & Partners Full set of CA certified financials of AY 2018-16, 2017-18, 2016-17 & 2015-16 with 26AS.

Company & Directors Full set of CA certified financials of AY 2018-16, 2017-18, 2016-17 & 2015-16 with 26AS.

if AY 2018-19 (March 18) return is not yet filed then provide provisional financials

if AY 2018-19 (March 18) return is not yet filed then provide provisional Financials.

if AY 2018-19 (March 18) return is not yet filed then provide provisional financials.

VAT / ST return from April 16 to June 17

VAT / ST return from April 16 to June 17

VAT / ST return from April 16 to June 17

GST return from July 17 to Till Date

GST return from July 17 to Till Date

GST return from July 17 to Till Date

-

Partnership Deed with registration certificate

MOA- AOA with certificate of registration

-

-

Current dated Share holding pattern & list of Directors on company’s letterhead with CA & Directors sign & Stamp

Company Profile on company’s letter head

Company Profile on company’s letter head

Company Profile on company’s letter head

Existing Loans

Sanction Letter / Loan Schedule of all the existing loans – if any

Sanction Letter / Loan Schedule of all the existing loans – if any

Sanction Letter / Loan Schedule of all the existing loans – if any

Closure letter of loan (if any loan is closed in last 6 months)

Closure letter of loan (if any loan is closed in last 6 months)

Closure letter of loan (if any loan is closed in last 6 months)

Last 18 months bank statement reflating EMI debits or Loan Account Statement

Last 18 months bank statement reflating EMI debits or Loan Account Statement

Last 18 months bank statement reflating EMI debits or Loan Account Statement

Banking

Last 6 months to till date all the bank account statements as shown in balance sheet.

Last 6 months to till date all the bank account statements as shown in company & partners balance sheet

Last 6 months to till date all the bank account statements as shown in company & directors balance sheet

Other Documents

  • Application form & formats to be signed by Applicant & Co-Applicant

Please note * All the property owner need to submit KYC’s

 

 

 List of documents for Salaried

Common Documents of Applicant & Co-Applicant …

  • 2 passport size photograph
  • Copy of PAN card
  • Copy of Aadhar Card
  • Copy of Current Residence Proof

Documents of Person whose income is to be considered …

  • Copy of Company Id card (front & back side)
  • Last 4 months salary slip
  • Latest CTC or Increment letter – if there is any changes in salary in last 3 months
  • Last 6 months to till date bank account statement where salary is getting credited
  • Current Appointment Letter – not required if date of joining is mentioned in payslip
  • Last 2 years form 16
  • 3 Years work continuity proof (not applicable if working with present company for 3 yrs)
  • Copy of Degree Certificate
  • Sanction Letter / Loan Schedule of all the existing loans – if any

Other Documents…

  • Power of attorney to be signed by Applicant & co-applicant (as per bank format)

Please note...
* All the property owner need to submit above point no. 1, 2, 3 &4

 

List of Documents for NRI – Shipperprofile

Applicant : Spouse or Self whose income is to be considered for funding.
Co-Applicant : Power of attorney holder (if married then mandatory spouse, if not then any family member)
Common Documents for Applicant & Co-Applicant

  • 2 passport size photograph
  • PAN card copy
  • Aadhar card copy
  • Indian address poof (Latest)

Documents of person who is NRI

  • Full Passport Copy with visa stamps
  • Full copy of CDC (continuous discharge certificate)
  • Last 6 months salary slip (with company stamp)
  • Last 6 months to till date salary a/c statement - overseas
  • Last 6 months to till date Indian A/c statement - NRE/NRO account
  • Latest Contract Copy / Appointment Letter / Work Permit copy
  • 3 years' work experience proof
  • Degree Certificate
  • Existing Loan details (if any)
  • Full Credit Report – Equifax / TransUnion

Other Documents…

  • Power of attorney to be signed by Applicant & co-applicant (as per bank format)

 

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Master of the Trade


Paras Mittal
Managing Director, PNJ Group

PNJ Group is holding multi service portfolio and more than 10 group companies, along with network of more than 50 professionals over various fields of finance, accounting , legal and tax. Promoter Paras Mittal is qualified Chartered Accountant and Company secretary by profession and hold experience of more than 15 years working in Hospitality, IT services, Cement, FMCG , Finance companies, Restaurant chain, Food chain, Organic Farming, Stud Farm and Real estate. With such a diversified experience, he is fully aware of all litigities and indepth business matrix. He has advised more than 50 ventures to get the scalebility and visibility with help of setting marketing network or operations or system procedures or biggest crucial operation Information Technology.

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