Personal Loans

Eligibility criteria

Nationality should be Indian.

• Minimum age: 21 years and Maximum age: 67 years
• Employed with Public, private or MNC.
• CIBIL score should be 750 or higher.
• Monthly salary should be starting from Rs. 22,000 (Based on the city you are living in)

Below are the documents required for completing your application process

Documents required

Below are the documents required for completing your application process

• KYC documents (Aadhar card / Voter's ID / Passport / PAN card).
• Salary slip of last 3 months.
• Employee ID card.
• Bank account statements of last 3 months.

Business Loan

Eligibility criteria

Everyone who meet the five basic criteria below are eligible for business loan

• Nationality should be Indian.
• Minimum age: 24 years and Maximum age: 70 years
• Business vintage should be 1 year or above.
• CIBIL score should be 750 or above.
• Business must be profitable for the past 2 years.

Additional criteria: The applicant must own a residence, shop, office or godown.

Documents required

Below are the documents required for completing your application process

• KYC documents (Aadhar card / Voter’s ID / Passport / PAN card).
• Proof of business ownership (Trade licence/ITR/Establishment/Sales tax certificate).
• Income proof (ITRs and computation/ balance sheet (audited by a registered CA)/ P/L.
• Profit/Loss statement for the past two years).
• Last 6 months bank statement.

Auto Loan

Eligibility criteria

We offer auto loans for your favourite car. Check below the eligibility criteria for the same

• Nationality should be Indian.
• Minimum age: 21 years and Maximum age: 60 years (Salaried) and 65 years (Self-employed).
• Net income should be Rs. 10,000 per month or above.
• Applicants should have working experience for at least 2 years.
• Applicants must stay at their current residence for at least 1 year.

Documents required

Below are the documents required for applying for auto loan

• KYC documents (Aadhar card / Voter's ID / Passport / PAN card).
• Income proof ( Salaried: Current 6 month's salary slips / Past 3 month's bank statement / Form-16 / Updated ITR and
• Self-employed: Past 3 month's bank statement / Balance sheets / P&L accounts / Updated ITR ).
• Signature verification.
• Copy of vehicle registration certificate.

Credit Card

Convert your outstanding credit card bills into manageable EMIs. Avoid high interest rates and gain control over your finances. available?

Want to learn more about attractive credit card offers to cater to your needs?

Well, we have got you covered! A credit card is a thin piece of plastic issued by financial institutions to facilitate easy and immediate borrowing from a pre-approved limit. Making a purchase has never been this easy before. All it takes is a single swipe of the card. Avoid spending hours searching for the right credit card catering to your financial needs using Ayadya Finance

Education Loan

Want to pursue your educational dreams?

Looking for funds to chase your goal of higher education abroad?

But don’t know how to go about this? Well, Star Powerz has got you covered. Loans to aid the borrower pursue their educational needs and requirements from a reputed institution or college both nationally and internationally. Don’t hesitate to chase your educational dreams! Obtaining a loan has become easier than ever before, but carefully vetting through the best options is a time-consuming process. Use our Loan Eligibility and EMI calculator to make things simple.

Loan Against Property

A Loan Against Property (LAP) is a type of secured loan where you pledge your owned property (residential, commercial, or sometimes even industrial) as collateral to borrow money from a bank or financial institution. It’s one of the most common ways to raise large funds at relatively lower interest rates compared to unsecured loans.

Secured Loan – Your property acts as collateral, so lenders see it as low-risk and offer better terms.

High Loan Amount – You can typically borrow 50%–70% of the property’s market value, depending on the lender’s policy.

Lower Interest Rates – Interest is usually lower than personal loans since it’s secured (in India, around 8%–12% p.a., varies by lender).

Flexible Tenure – Repayment tenure can range from 5 years up to 15–20 years, depending on the lender.

Usage – The funds can be used for multiple purposes like:

Documents Required

Identity Proof (Aadhar, PAN, Passport, etc.)

Address Proof (Utility bill, Voter ID, etc.)

Income Proof (Salary slips, ITR, bank statements, business financials)

Property Documents (Title deed, ownership papers, tax receipts, etc.)

Passport-size photographs