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Personal loans can be secured in a fast and easy way at competitive interest rates. They help in taking care of such immediate requirements without any security or guarantors. Experts at Loanwala.com help you get the best possible deal on obtaining a personal loan. Once you apply for a loan on our website, we understand your needs and work with banks that provide offers suitable to your requirements. Hence you get an upper hand with banks competing for you, in providing you with what you need.

Features:

  • Personal Loan is available for both Salaried & Self employed

  • No security, collaterals or guarantors required.

  • Loans ranging from Rs. 50,000 to Rs. 25 lakhs.

  • The amount received thru personal loan can be used for any purpose.

  • Easy repayment through flexible EMI options.



 

Nothing would delight us more than to help you buy your dream home. Sai Management Services Home Loans make it easier for you to move in as soon as possible without putting a strain on your wallet.

Features & Benefits:

  • Your dream home, a reality
    Loan requirement - We offer you loans ranging from Rs. 5 lakhs upto Rs. 3 crore.
    Property types - We offer loans to Resident Indians and NRIs for ready property, under construction property, self-construction and home improvement.
    Loan tenure - Loans are available for tenures upto 25 years.

  • Flexibility, savings... more!
    Repayment options - Choose between fixed and floating rate home loans. You also have the option of switching from a floating rate home loan to a fixed rate home loan once a year at no extra cost.
    No penalty option - You can opt to pre-pay up to 25% of your loan every year. Pre-payment is permitted after a minimum of 6 months following loan disbursal.
    Free Gold credit card - On approval of your Home Loan, you get a Gold credit card#, free for the first year with annual charges being waived.
    Tax benefits - Resident Indians are eligible for certain tax benefits on principal and interest components of a housing loan under the Income Tax Act, 1961
     



 

Project Loan/Finance Service involves providing credit and other facilities to a borrower (provided adequate mitigants are in place), for setting up new projects, expansion, diversification and modernisation of existing industrial units. While considering the project for assistance, our company evaluates technical feasibility, commercial and economic viability and financial soundness of the project. The interest rate and other fees for credit and other facilities would be based on creditworthiness of borrower, rating, risk perception, tenure of loan / facilities and other relevant factors. The repayment of the loans and facilities is normally fixed on case to case basis depending on projected cash flow of the borrower.



 

Under the Corporate Loan/Finance Service, Sai Management Services provides rupee and/or foreign currency loans to Corporates with minimum 5 years of operations, continuous profits for the last 2 years with satisfactory track & credit record with lenders for normal capital expenditure, working capital margin, shortfall in working capital and general corporate purposes, including expenses on Voluntary Retirement Scheme and business acquisition where no tangible asset creation is envisaged. The interest rate would be based on creditworthiness of borrower, rating, risk perception, tenure of loan and other relevant factors. The repayment period for the loans would normally not exceed 5 1/2 years.



 

Sai Management Services also provides Letter of Credit (L/C or LC) which is a document issued to provide an irrevocable payment undertaking to a beneficiary against complying documents as stated in the credit. It is often referred to as a documentary credit, abbreviated as DC or D/C, documentary letter of credit, or simply as credit.
Once the beneficiary or a presenting bank acting on its behalf, makes a presentation to the issuing bank or confirming bank, if any, within the expiry date of the LC, comprising documents complying with the terms and conditions of the LC, the applicable UCP and international standard banking practice, the issuing bank or confirming bank, if any, is obliged to honour irrespective of any instructions from the applicant to the contrary. In other words, the obligation to honour (payment) is shifted from the applicant to the issuing bank or confirming bank. Non-banks can also issue letters of credit however parties must balance potential risks.



 

Our Company provides An Overdraft Service which is a facility granted to you whereby you can overdraw your current account up to an agreed limit. Overdraft is an efficient form of borrowing as you pay interest only for the time you use the money. It gives you flexibility. You can at any time deposit money into the account to reduce the outstanding balance or can draw out money whenever you need it as long as you do not exceed the limit. Interest is calculated daily on the fluctuating outstanding balance and is normally charged at the end of each month.
Customers' overdraft accounts fluctuate between debit and credit over a reasonable period. What is a "reasonable period" depends on the nature of your business. For example, an exporter who uses his overdraft to pay his supplier for goods to be shipped under a letter of credit to his overseas buyer should be able to clear the overdraft within 10 days. This is because under normal circumstances, the process of his preparing the shipping documents, submitting them to his bank for negotiation and receiving the proceeds of negotiation to repay the overdraft should take no longer than 10 days. On the other hand, a manufacturer who has used the overdraft to purchase raw materials will need more time to repay the overdraft because the process of manufacture, sale and collection of payment from sales is a longer one.
The overdraft utilised determines the interest that will be payable by the customer. The overdraft rate is linked to the Bank's Prime Lending Rate and is charged to the account at the month end.



 

 

At, Sai Management Services, we can provide Bank Guarantee:

  • On Suitable Conditions
  • Flexible Terms
  • Reasonable Rates ( As per RBI Guideline)



 

You can now enjoy the convenience of hassle-free and fast way of trading in the Indian Equity Markets through our NRI Investor Services.
We provide full access to the following services to help you trade seamlessly:

  • Sai Management Services NRI Trading Account - Provides access to comprehensive trading tools for independent NRI investors

  • Sai Management Services Depository Services - Integrated services for seamless delivery

  • HDFC Bank Account - NRE/NRO Accounts with built in tax management solutions and facility to source all regulatory approvals

  • Sai Management Services Equity AnalysisTM - Premium Research on 540+ companies updated daily



 

 

External Commercial Borrowings (ECB) are defined to include

  1. commercial bank loans,
  2. buyer’s credit,
  3. supplier’s credit,
  4. securitised instruments such as floating rate notes, fixed rate bonds etc.,
  5. credit from official export credit agencies,
  6. commercial borrowings from the private sector window of multilateral financial institutions such as IFC, ADB, AFIC, CDC etc. and
  7. Investment by Foreign Institutional Investors (FIIs) in dedicated debt funds

Applicants will be free to raise ECB from any internationally recognised source like banks, export credit agencies, suppliers of equipment, foreign collaborations, foreign equity - holders, international capital markets etc. Offers from unrecognised sources will not be entertained.



 

 

FDI, is the single point source of information to take care of all your project needs and to also equip you with the latest information in your line of activity. Right from the conceptual stage of forming a project idea through the successful implementation, economic operation and stable growth, FDI is your guide towards prosperity. The services we cover are:

  • ESTABLISHING 100 % EOU: Guidance/assistance/ Advice on investment opportunities for establishing industrial unit in India . Domestic as well as Export Oriented Unit in India either in the Export Processing Zones or Out Side the Export Processing Zones. This includes all Government formalities to be completed before the unit starts functioning. Post approval assistance also provided for the encashment of various incentives available from the Government.

  • ESTABLISHING JOINT VENTURE IN INDIA: Access to information on all industries where Foreign and NRI investment is permitted on re-patriation benefit basis inclusive of percentage of equity holding in the proposed unit to be established in India on a continuous basis. (FERA Guidance provided).

  • LEGAL AGREEMENTS: Preparation of all documents required for the establishment of a Joint Venture unit in India and Technology transfer for new project i.e. legal agreements/ share holding agreements/technology transfer agreements.

  • PROJECT/FEASIBILITY REPORTS: Preparation of detailed project report or feasibility for the purpose of arranging financial assistance from the Financial Institutions in India and or Government approvals of the proposed project to be established in India. Modernization and Diversification studies also carried out. Government approvals for External Commercial Borrowings (ECB).

  • DOCUMENTS FOR APPROVALS: Preparation of all documents required for getting investment approvals either from the Foreign Investment Promotion Board (FIPB) or from the Reserve Bank of India (RBI) under the Automatic approval systems, depending upon the share holding and other terms required to Foreign/NRI investors.

  • COMPANY FORMATION: Preparation of all documents required for the Incorporation of Indian Company either a Private Limited Company (Closely held) or a Public Limited Company. Provide all assistance in Public Issues. (Corporate Counseling and taxation information also provided).

  • IMPORT/EXPORTS: Preparation of all documents for the import and export of articles/ capital goods/raw materials/components/consumables in India by an industrial unit. We keep close tap on latest Government policies towards industry/import/export and various incentives cashable under the heading of exports, to provide timely advice to clients for taking appropriate action on time.

  • BRANCH OFFICE BY FOREIGN COMPANIES: Preparation of documents for Foreign companies for the establishment of their Branch Office in India.

  • RECRUITMENT ASSISTANCE: We provide all assistance for the selection and recruitment of manpower (Professional & Executives) of required strength to the Indian companies or foreign companies



 

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