D WEALTH SERVICES PRIVATE LIMITED

We've been helping businesses with the funding of their working capital, Machinery & Equipment, New Projects, and Short-term Urgent unsecured Business Loan Needs through debt financing from Banks and NBFCs. We strongly believe in Bob Hope's Saying, " A bank is a place that will lend you money if you can prove that you don't need it." and we have the experience. 

A. WORKING CAPITAL 

1. Cash Credit (C.C.) Limit: The best advantage of this facility is that the borrower only pays interest applicable to the amount that has been overdrawn. Thus, the borrower saves Interest on the unused amount of the Drawing Power Limit.
2. Over Draft (O.D.) Limit: An overdraft allows the individual to continue withdrawing money even if the account has no funds in it. It is provided against the security of assets like land & building, shares, debentures, etc. 
3. Buyer's credit (B.C.)/ Letter of Credit (L.C.): Buyer’s credit is a very useful mode of financing in international trade since foreign buyers do not often pay cash for large purchases, while few exporters have the capacity to extend substantial amounts of long-term credit to their buyers.
4. Bank Guarantee (B.G.): When the Bank issues such a guarantee, it assumes a responsibility to pay the beneficiary, in the event of a default made by the customer. Guarantees are generally issued to Govt. Departments.
5. Packing Credit (P.C.) Limit: Advance granted to an exporter for financing the purchase, processing, manufacturing, or packing of goods prior to shipment. Packing credit is sanctioned/granted on the basis of the letter of credit or a confirmed and irrevocable order for the export of goods from India.
6. Bill Discounting: Bill discounting is a source of working capital finance for the seller of goods on credit. Bill discounting is an arrangement whereby the seller recovers an amount of the sales bill from the financial intermediaries before it is due. 

B.  PROJECT / START-UP FINANCE

• Project Loans are available to the existing business or industrial houses for business expansion, acquiring the fixed assets like land & building, plant & machinery, and equally available to the new business entrants in form of seed or startup capital. 
• Set-Up of Industrial Projects: Industrial Units:- Establish, Improve or Expand your strategic plans including the expansion of business operations, the purchase of a new building, improving an existing facility, or investing in new equipment, there are several projects financing solutions available. 
• Set-Up of Commercial Projects: School, Hospital, College & Hotels, etc.:- Establish, Improve or Expand, Purchase a new building, improving an existing facility. We can make available several project financing solutions available. Construction Finance for Builders: Finance for Residential & Commercial builder construction projects.

C.  MACHINERY & EQUIPMENT FINANCE

1. Industrial Machinery: Every manufacturing unit requires to compete with the competition with the latest technology. Some require expansion, modernization of existing plants, and new projects. Give your business all that it needs to grow with Easy Machinery Finance options through the best consultation from Delhi Wealth Group. 
2. Construction Equipment: The range of construction equipment for which this loan is available is as follows:  - Backhoe Loaders - Excavators  - Tipper/ Dumpers - Transit Mixers  - Wheel Loaders - Compactors  - Road Rollers - Pavers  - Dozers - Graders  - Compressors - Drills  - Hot Mix Plantsth - Crushing Plants  - RMC Plants - Rock Breakers  - WMM Plants - DG Sets  - Fork Lifts - Reach Stackers  - Piling Rigs & Many More Benefits on 

Features of Construction Equipment Finance: 

1. Up to 100%* financing 
2. Attractive interest rates* 
3. Up to 60* month tenure for loan 
4. Reduced down payments 
5. Customized Repayment that suit the business

D.  BUSINESS LOANS (Un-Secured)

Every businessman does advance financial planning to complete the orders. But his desire to become a leader in his field sometimes create miscalculation regarding proposed orders. For such purposes, companies take out short-term business loans for their financial assistance. 

BASICS OF BUSINESS LOANS:

1. The loan amount can be from Rs. 5 lakhs onwards 
2. Loan tenure can be from 12 months to 48 months 
3. No Collateral or Security is required 
4. Loan for Trader, Manufacturer, or Service Provider 
5. Turnover must be at least 30 lakhs per annum with a minimum of 4 lakhs of profit 
6. Minimum 3 Years of Business Vintage 
7. Residence or Office to self-owned, Both not to be rented 

How much Business Loan the Clinet can get?

The business loan depends on the annual profit of a business and the number of years you are in that business. It also checks the cash flow and other aspects of revenue generation. Once the financial institution considers all the major factors, it decides the eligibility of loan amount which a business can get. The main criteria for approving a business loan are how much profit a business makes and how the borrower will manage to repay the EMIs and other expenses related to the business.

We're passionate to work with a 100% Application to Approval ratio for individual clients including both, Salaried and Businessmen for their personal finance (Housing Loan, Loan Against Property, Personal Loan, Education Loan, Car Loan, etc.) requirements considering their diversified profiles including Credit History, Financials Strength, and property types, etc. 

A. HOUSING FINANCE / HOME LOANS

Owning a dream home is one of life’s biggest aspirations. We offer fully customized home loan solutions that cater to your requirements with easy documentation, doorstep assistance, and freedom of choosing your Finance Institution to make the journey to your dream home a pleasant one. 

The Client can explore almost all types of possibilities of getting a perfect loan through us for a Dream Home: 

• Purchase of a New House or New Flat for Resale or through Direct Allotment
• Self-Construction of Dream Home on the pre-owned Plot
• Plot Purchase Plus Construction Loan
• Re-finance of self-financed registration of Homes
• Repair & Improvement of your existing Home

The Best Deal comes with... 

• Loan up to 30 years of tenure 
• Best Interest Rates with Fixed & Floating Options 
• Maximum Finance against Registration Cost  
• Minimum & Easy Documentation 
• Maximum Loan Eligibility 
• Home Loan with & without Approved MAP 

Possibilities ... 

• Consultancy for "Affordable Housing Finance" in Regularized Colonies, Lal Dora & Village Properties 
• Loan to all profiles including Cash Salary 

B. LOAN AGAINST PROPERTY

The Loan Against Property (LAP Loan) is actually mortgaging an existing property to get a loan. It’s a great way to generate funds for your business expansions, wedding or your child's education, etc. Loan Against Property helps you meet all your financial needs without actually selling off the property. LAP is available for Residential, Commercial, Institutional, and Industrial properties. 

Features of LAP Loan: 

• Interest rates: We ensure that our customers get a loan at competitive interest rates as per their profile and property. 
• Property: Don't be worried about the type of property you have. We can help you in getting a loan against every type of property like a residential, commercial, institutional (schools, hotels, hospitals), industrial and Vacant Plots.
• Purposes: This is a multipurpose loan which means the Client has the flexibility of end-use.
• Repayment: We can help you in getting an EMI-based loan up to 15 years repayment period or an Overdraft facility, whatever suits your needs.
• Customer Profile: LAP can be available for both - self-employed & Salaried Customers.
• Eligibility: We can help the client in getting the maximum loan irrespective of any financials or books by the way of customized eligibility calculation schemes.

Possibilities ... 

• Loan Against Properties of a Regularized Colony, Lal Dora & Village Properties 
• Loan Against Vacant Plots including Residential, Commercial & Industrial Plots

LAP Overdraft/Dropline Overdraft / DOD Limit 

If you opt for a dropline overdraft facility with a tenure of 60 months and a total overdraft limit of Rs 10 lakh, then after the first month, the overdraft limit will reduce by 10,00000/60, which is Rs. 16,666. Hence the overdraft limit available to you for the next month will be Rs. 9,83,334. This reduction will continue for the next month until the last month of repayment. This is basic working of a dropline overdraft facility. 

• The predominant feature of a dropline overdraft is that the withdrawal limit reduces from the sanctioned limit every month.
• A dropline overdraft is usually favoured by retailers, traders and manufacturers.
• The interest rate is calculated on a daily basis but charged on a monthly basis.
• The Dropline OVerdraft tenure can be anywhere between 1 to 15 years.
• A one-time processing fee discharged when you avail a dropline overdraft.
• Dropline overdraft is basically a combination of an overdraft and a term loan.
• Banks do not levy a yearly renewal charge for a dropline overdraft.

C. EDUCATION LOANS

When it comes to a successful life, nothing is as important as quality education. Thus, education loans are vitally important. 

• Available for study in India or Abroad 
• Repayment tenure can be up to 7 years 
• Education Loan with and without Collateral 
• Benefits of Government sponsored subsidy schemes 

D. PERSONAL LOAN (Un-Secured) 

A personal loan is always a viable solution for your instant finance requirement, like: 

• Fund for your child's marriage 
• Fund for your dream vacation / holidays 
• Repair & Furnishing your home 
• Fund for higher education 
• Purchase a dream vehicle 

E. CAR LOANS 

Own your Dream Car that you have always admired with easy Car Loans. We offer car loans for New Car, Pre-Owned cars, and even a Loan Against used cars. 

• Loan up to 100% of ex-showroom price 
• Loan tenure up to 7 years 
• Options of NILL Pre-Payment Charges