Loans & Credit
Retail Loans
Home Loan
Home loans at One Banking Solution are designed to make your dream of owning a home a reality. Our home loans come with competitive interest rates, high loan amounts, and a range of loan tenures to match your needs. Our online application process ensures faster approvals, less paperwork, and no need to visit our branches. We are here to assist you in buying your dream home, building a new one, or refinancing your existing loan. We are not just a bank; we are here to build your future at One Banking Solution.
Vehicle Loan
One Banking Solution makes owning your dream vehicle easier than ever with quick and hassle-free vehicle loans. One Banking Solution offers finance options for cars, two-wheelers, and commercial vehicles at competitive rates. Whether you are purchasing your first vehicle or upgrading your existing one, we help you own your dream vehicle with quick online application and minimal paperwork. Apply online for a loan and get it sanctioned quickly. Select a repayment option that suits you best and drive your vehicle home.
Personal Loan
When life's big moments require immediate financial assistance, One Banking Solution's Personal Loan is the answer. At One Banking Solution, we offer instant financial assistance for medical emergencies, travel, education, weddings, or any personal requirement, without collateral, documentation, or hassle. Enjoy competitive interest rates, transparent charges, and a range of repayment options that give you total financial freedom. Apply online, receive immediate funds in your account, and live life on your own terms, with a bank that understands your needs.
Education Loan
One Banking Solution's Education Loan is dedicated to making sure that finances never get in the way of a student and their dreams. Our education loan offers funding for tuition fees, accommodation, study materials, and living expenses for local and international education. With easy repayment terms and a moratorium period while the course is being undertaken, and attractive interest rates, the repayment process is made easy right from the beginning. Apply online, get instant approvals, and focus on your studies only — because your education is something we believe in wholeheartedly.
Gold Loan
One Banking Solution's Gold Loan allows you to leverage the value of your idle gold and gain immediate access to funds when you need them the most. Get high loan amounts against your gold jewellery and coins, with minimum documentation, quick processing, and completely transparent terms. Enjoy competitive interest rates and repayment terms, so you're in control, and your gold is secured with us. For all your business, medical, or personal needs, convert your gold into working capital without having to part with what is precious to you.
Business & MSME Loans
Working Capital Loans
One Banking Solution provides Working Capital Loans that ensure your business continues to run smoothly even in the face of cash flow shortages. We provide fast access funding that allows you to take care of your business operational needs such as inventory purchases, employee salaries, supplier payments, and other short-term needs, ensuring that your business never comes to a standstill. Our working capital loans are meant for fast-moving businesses that cannot afford to wait.
Term Loans
One Banking Solution's Term Loans provide businesses the financial base they need to grow, expand, and invest with confidence. We provide businesses with structured loan amounts, repayment schedules, competitive interest rates, and tenures, both long and short, to cater to the needs of the business. Whether it's infrastructure development, purchasing equipment, or venturing into new markets, One Banking Solution's term loans provide businesses with the finances needed in a clear and understandable manner. Apply online today, get personalized loan repayment schedules, and establish your business on a solid financial base.
Overdraft Facilities
One Banking Solution's Overdraft Facility guarantees that your business never comes to a halt due to a temporary cash flow problem. One Banking Solution's overdraft facility provides you with pre-approved credit limits that enable you to draw more than you hold in your account, thus giving you instant access to cash when you're in a financial emergency. You're charged interest on the amount you draw, thus making it a very cost-effective option for you. One Banking Solution's overdraft facility is a reliable financial safety net that's always there when you need it most.
Cash Credit
One Banking Solution's Cash Credit facility offers a revolving line of credit that can be used to manage your working capital requirements in a more efficient manner. With flexible withdrawal and repayment options, we can help your business access funds at times of need and repay at times of surplus. A Cash Credit is a great solution to manage your inventory, operational expenses, and short-term obligations. It comes with competitive interest rates and hassle-free online management. It is a clever and useful financial solution that will keep your business agile and ready to take advantage of new opportunities.
Corporate & Project Finance
Project Financing
One Banking Solution provides Project Financing solutions for large projects that involve significant funding on a long-term basis. We analyse the project on the basis of its own merit and provide funding structures that may be needed for projects ranging from infrastructure development to industrial expansion. Our team of financial experts will work with the project developers to ensure that the funding plan is in sync with the cash flow pattern of the project. We provide funding to projects at the international level and ensure that the projects are funded at the very outset.
Infrastructure Loans
One Banking Solution's Infrastructure Loans can fuel your development projects, which build nations and communities. Our long-tenure infrastructure loans for roads, bridges, ports, power plants, and urban development projects come with competitive rates and structured repayment plans. Our team of experts in infrastructure banking understands the complexity involved in managing such projects and provides solutions to meet each project's specific financial needs. Whether it is public infrastructure development or private development projects, we offer the necessary capital and expertise to bring such projects to life.
Structured Finance
One Banking Solution's Structured Finance solutions are designed for complex transactions that exceed the scope of traditional banking products. One Banking Solution offers customized financial solutions such as securitization, mezzanine finance, and hybrid structures that meet the specific requirements of corporations, institutions, and high-value transactions. One Banking Solution's financial structuring specialists work to ensure that capital is allocated in the most effective way to unlock new financial possibilities. When precision, creativity, and global expertise are needed for a transaction, One Banking Solution is the solution.
Syndicated Loans
One Banking Solution provides Syndicated Loans for large corporations and government institutions that need funding beyond what a single bank or financial institution can provide. We bring together several financial institutions to collectively provide funding for large transactions such as mergers, acquisitions, and large-scale capital expenditures. We ensure that the risk and capital are distributed effectively for the large corporation or government entity that needs the funding. Large ambitions need large-scale funding, and that’s precisely what we provide – large-scale funding for large corporations and government institutions.
Agricultural Loans
Crop Loans
One Banking Solution's Crop Loans enable farmers to access timely funding for all their farming needs such as seeds, fertilizers, irrigation, and labor. Our crop loans offer easy application and repayment options that are in sync with the crop cycle so that farmers are never burdened with EMI payments during the crop cycle. Our crop loans are offered with attractive interest rates and government subsidies wherever applicable. At One Banking Solution, we firmly believe that the way to feed a nation is to fund its farmers and that's precisely where One Banking Solution is proud to partner with the farming community.
Farm Equipment Loans
One Banking Solution's Farm Equipment Loans enable farmers and agri-entrepreneurs to invest in the latest equipment that can drive productivity in the agricultural sector. We offer loans for purchasing tractors, harvesters, irrigation systems, and other equipment needed for the farm with affordable equated monthly instalments and quick online approvals. Our team understands the cash flow patterns of the agricultural sector and structures the loan tenure accordingly. Get the right equipment for your farm, save on labor costs, and boost productivity with the latest equipment and the support of One Banking Solution's agri-finance team.
Kisan Credit Card
One Banking Solution's Kisan Credit Card offers farmers a revolving credit facility that can help meet all their agricultural and allied needs. Whether it is purchasing seeds and fertilizers or meeting household expenses during lean times, KCC offers farmers instant access to pre-approved credit whenever and wherever they need it. With a simple online application process, minimal documentation, and interest only being charged on the amount used, KCC is a practical credit solution designed exclusively for farmers. Empower your farm. Strengthen your livelihood. One Banking Solution is with every farmer.