RBI-Registered NBFC Serving Punjab with trusted finance
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RBI-Registered NBFC Jalandhar & Nawanshahr

Finance built on trust, rooted in service.

Gold, cash, personal, education, secured and property loans — from a lender that understands your needs. Quick approvals, minimal paperwork, and people who treat you right.

Approvals in 3 days* Minimal documents No hidden charges
HGR+
Trusted across Punjab by families & businesses

Check your eligibility

Fill the form and our team will call you back the same day.

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Name
RBI
Registered NBFC
0
Loan products
0-day*
Quick approvals
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Offices in Punjab
Understanding our loan options
RBI-regulatedSafe & transparent
Our loans

Loans designed around real needs

Whether it's funding higher education abroad, unlocking the value of your gold, or raising funds against property — we make borrowing simple, transparent and quick, with guidance at every step.

  • Clear, honest terms with no hidden charges
  • Flexible repayment that fits your cash flow
  • A regulated NBFC you can rely on
Loan products

One lender, every financial need

From unlocking the value of your gold to funding your child's education abroad — choose a loan that fits your goal, and we'll handle the rest.

Gold Loan

Unlock the value of your gold for any need, with safe storage and quick disbursal.

Quick disbursalSecure custody
Apply now

Cash Loan

Fast funds for emergencies or any urgent requirement, with flexible repayment.

Fast approvalFlexible EMIs
Apply now

Personal Loan

Funds for a wedding, renovation or travel — no collateral, competitive rates.

No collateralAny purpose
Apply now

Education Loan

Fund higher studies in India or abroad with student-friendly terms.

Study abroadUp to 100% fees*
Apply now

Secured Loan

Borrow larger amounts against property or investments, at lower rates.

Higher amountLower rates
Apply now

Loan Against Property

Turn your property's value into liquidity — and keep full ownership.

Retain ownershipLarge funds
Apply now
Find your loan

Find the right loan for your goal

Tell us a little about what you need, and our team will help you choose the most suitable option — quickly and clearly.

Check your eligibility
Why choose us

Honest finance, the way it should be

We pair the discipline of a regulated lender with the warmth of people who genuinely want to help you move forward.

RBI-registered

A Reserve Bank of India registered NBFC, operating with full compliance and transparency.

Quick approvals

Eligible applications are reviewed fast — many get a decision in as little as three days.*

Minimal documents

Simple paperwork and clear checklists, so you spend less time on forms.

Transparent terms

Clearly explained rates, charges and tenures. What you're told is what you pay.

Flexible repayment

Plans that fit your cash flow, with the option to prepay and often without penalty.

Rooted in service

Born from the ex-servicemen community, we serve every customer with respect.

Loans for everyone — salaried, self-employed, pensioners and students
For everyoneOpen to all eligible
Who we serve

Loans for every kind of borrower

You don't need a defence background to borrow with us. From salaried professionals and business owners to pensioners and students with a co-applicant — we're here to help.

  • Salaried, self-employed & business owners
  • Pensioners & ex-servicemen families
  • Students with a co-applicant (education loans)
EMI calculator

Plan your repayment before you borrow

Move the sliders to see your estimated monthly EMI. Then apply, and we'll confirm the exact terms for your profile.

Loan amount₹5,00,000
₹50K₹1 Cr
Interest rate12.0 % p.a.
8%26%
Tenure36 months
6 mo20 yr
Your estimated monthly EMI
₹16,607
36%interest
₹97,852Total interest
₹5,00,000Principal
Total payable: ₹5,97,852
Apply for this loan

*For illustration only. Your actual rate, EMI and charges depend on the loan product, eligibility and documentation, and are confirmed at sanction.

A loan advisor from Ex Servicemen Hire Purchase Finance
Real peopleOne advisor, start to finish
Personal guidance

Talk to an advisor who understands you

No call centres, no run-around. Our experienced loan advisors listen to your situation, explain your options honestly, and guide you from enquiry to disbursal.

  • One point of contact through your whole journey
  • Clear answers on rates, documents and timelines
  • Visit us in Jalandhar or Nawanshahr, or talk on call
How it works

From application to funds in 3 simple steps

A clear, guided process with a real person to help you at every stage.

1

Apply & share details

Fill the 2-minute form or call us. We guide you on the right loan and documents.

2

Get verified & approved

We review your application quickly and transparently, and confirm your terms.

3

Receive your funds

On approval, the amount is disbursed promptly. Repay easily through flexible EMIs.

Watch

Finance that works for you

A quick look at how Ex Servicemen Hire Purchase Finance helps you reach your goals.

Ex Servicemen Hire Purchase FinanceTrusted lending across Punjab
Eligibility & documents

Simple to qualify, easy to start

Exact requirements vary by loan type — here's what most applicants need. We'll share a precise checklist for your case.

Who can apply

  • Salaried professionals & self-employed individuals
  • Business owners & pensioners
  • Ex-servicemen & their families
  • Indian residents, typically aged 21–65
  • Students with a co-applicant (education loans)

Open to all eligible applicants — no defence background needed.

Documents you'll need

  • Identity proof — Aadhaar, PAN, passport or voter ID
  • Address proof & recent passport-size photos
  • Income proof — salary slips, ITR or bank statements
  • Collateral / property papers (secured loans & LAP)
  • Admission & fee details (education loans)

Not sure what applies? Apply and we'll guide you through it.

Testimonials

What our customers say

People across Punjab choose us for efficient processing and genuine, respectful service.

Applying for a gold loan was straightforward and the appraisal of my jewellery was completely fair. The team was helpful throughout.

H
Harpreet S.Jalandhar

I took a loan against property and got competitive terms. They helped me unlock my property's value to meet my business goals.

G
Gurpreet K.Nawanshahr

I've been a customer for years. Their commitment to customer satisfaction is real — the team is responsive and always willing to help.

R
Rajinder P.Phagwara
FAQ

Frequently asked questions

Is Ex Servicemen Hire Purchase Finance an RBI-registered company?
Yes. We are a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India and operate in full compliance with applicable regulations.
How do I apply for a loan?
Fill the enquiry form on this page or call us at +91 97086-97086. Our team will contact you, explain your options, and guide you through documentation. You can also visit our office in Jalandhar or Nawanshahr.
How quickly can my loan be approved?
For eligible applicants, approvals can be processed in as little as three working days* once we have your completed application and required documents. Timelines vary by loan type and verification.
Can I repay my loan early?
In many cases, yes — and often without a prepayment penalty. The exact terms are set out in your loan agreement, and our team will explain them clearly before you sign.
What documents are required?
Typically identity proof, address proof, photos and income proof. Secured loans and loans against property also need collateral/property documents; education loans need admission and fee details.
Do I need to be an ex-serviceman to borrow?
Not at all. Our roots are in the ex-servicemen community, but our loans are open to all eligible applicants — salaried, self-employed, business owners, pensioners and students with a co-applicant.
Get in touch

Ready to take the next step?

Talk to our loan advisors today. We'll listen, explain your options honestly, and help you choose what's right for you.

Call the helpline+91 97086-97086
Working hoursMon – Sat, 10:00 AM – 6:00 PM
Head Office — Jalandhar
417, 3rd Floor, Prestige Chamber, Adjoining Narinder Cinema, Jalandhar – 144001, Punjab, India.
Get directions
Branch — Nawanshahr
1st Floor, Swarankar Bhawan, Rahon Road, Nawanshahr, District Shaheed Bhagat Singh Nagar, Punjab – 144514, India.
Get directions
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