Comprehensive financing solutions tailored to your needs. At Karnavati Finance Limited, we offer competitive rates and flexible terms.
Flexible working capital solutions to support day-to-day operations and business expansion requirements.
Customized loan tenure options ranging from short-term bridge financing to long-term capital investments.
Both collateral-backed and unsecured financing options based on creditworthiness and business profile.
Financing against property, machinery, inventory, and other tangible assets with competitive valuations.
Tailored financing structures for individuals and enterprises with flexible repayment options.
Competitive and transparent interest rates for all our loan products. Rates are subject to credit evaluation and applicable terms.
| Loan Type | Interest Rate |
|---|---|
| Personal Loan | 18% p.a. Onwards |
| SME Financing | 18% p.a. Onwards |
| Home Loan | 12% p.a. Onwards |
| Refinance Loan | 18% p.a. Onwards |
| Construction Loan | 20% p.a. Onwards |
| Investment Property Loan | 18% p.a. Onwards |
| Vehicle - All Loans | 20% p.a. Onwards |
| Education Loan | 18% p.a. Onwards |
| Any or All Other Loans | Minimum 18% p.a. |
Note: Interest rates are indicative and subject to change based on credit evaluation, loan amount, tenure, and prevailing market conditions. Final rates will be communicated during the loan approval process.
Whether you're planning a wedding, consolidating debt, or making a major purchase, our personal loans offer the flexibility and competitive rates you need.
Bridge cash flow gaps and maintain smooth operations
Acquire machinery and equipment without large upfront costs
Fund new locations, inventory, or market expansion
Convert outstanding invoices into immediate cash
From startups to established enterprises, we provide the capital you need to scale your business, purchase equipment, or manage cash flow.
Whether you're buying your first home, upgrading to a larger space, or investing in property, we offer competitive mortgage solutions with expert guidance every step of the way.
Finance your dream home with flexible terms and competitive rates
Lower your monthly payments or access home equity
Build your custom home with phased funding
Grow your real estate portfolio with specialized financing
Finance new or used vehicles with competitive rates, flexible terms, and quick approval
On new car financing
On used car financing
Lower your monthly payments
Education is the foundation of future success. Our education loans help students pursue their academic dreams without financial stress.
Cover tuition, books, and living expenses
Support for master's and doctoral programs
Funding for overseas education opportunities
Don't let finances hold you back from achieving your educational goals. Our student-friendly loan programs are designed to make education accessible.
Access to quarterly and annual financial reports. Stay informed about our financial performance and regulatory disclosures.
Download quarterly and annual financial reports in PDF format. All documents are prepared in accordance with regulatory requirements and audited by statutory auditors.
| Financial Year | Q1 | Q2 | Q3 | Q4 | Annual |
|---|---|---|---|---|---|
| 2024-25 | Upload Pending | Upload Pending | Upload Pending | Upload Pending | View Report |
| 2023-24 | Upload Pending | Upload Pending | Upload Pending | Upload Pending | View Report |
| 2022-23 | Upload Pending | Upload Pending | Upload Pending | Upload Pending | Upload Pending |
Risk management is a core component of the company's operations. The framework includes credit appraisal, asset quality monitoring, liquidity management, and compliance oversight to ensure long-term financial stability.
Comprehensive evaluation of creditworthiness and repayment capacity
Continuous tracking and assessment of loan portfolio health
Strategic fund management to ensure operational stability
Adherence to regulatory requirements and internal policies
Karnavati Finance Limited operates under stringent regulatory oversight and maintains full compliance with all applicable laws and regulations.
Registered with the Reserve Bank of India as a Non-Banking Financial Company
Compliant with MCA, RBI, and SEBI regulations and guidelines
Listed entity following BSE disclosure norms and transparency requirements
Subject to statutory and internal audits ensuring financial integrity