EZ Saral Loan, Simple. Fast. Reliable.
Get loans up to ₹5,00,000 with ease – No complicated paperwork, no hidden surprises.
Safe and Secure
2-3 Minute Process
Funds next Business Day
Connect for More Details on EZ Saral Loan?
Over 8,000 Loans Disbursed Across 43 Cities and Towns, Helping People Turn Their Dreams into Reality.
Smart Loan with Simple Process
Whether you’re a small business owner, a shopkeeper, a service provider, or a salaried professional – EZ Saral Loan is your gateway to growth, stability, and opportunity.
We understand your daily challenges, managing cash flow, investing in your work, or handling urgent personal expenses. That’s why we created the EZ Saral Loan: a simple, secure, and quick way to get funds when you need them most.
With minimal paperwork, flexible repayment, and fast approval, it made getting funds easy. It’s designed to support your needs, goals, and dreams.
Loan Features
- Loan Amount: ₹2,00,000 – ₹5,00,000
- Loan Tenure: minimum 24 months to maximum 60 months
- Interest Rate: up to 25%
- Property Types: residential property
- Who can apply: SEP, SENP and salaried
Need a Bigger Boost? Meet Saral Plus.
If your plans demand more than ₹5,00,000, Saral Plus is designed for you. It’s the same simple, secure, and fast process you know from EZ Saral Loan, just with a bigger funding range and longer repayment options.
EZ Saral Plus
- Loan Amount: ₹6,00,000 to ₹10,00,000
- Loan Tenure: minimum 36 months to maximum 96 months
- Interest Rate: up to 23%
- Property Types: self-occupied residential property or self-occupied commercial property
- Who can apply: SEP, SENP and salaried
Note: With Saral Plus, you get the same transparency, trust, and flexibility, just on a larger scale.
Loan end Use
- Working Capital
- Business Expansion
- Debt Consolidation
- Marriage Expenses
- Purchase of Business Equipment
- Renovation/Improvement of Home, Shop, or Business Premises
Testimonial
Ravish
Small Business Owner
“I’m truly thankful to EZ Capital for giving me a loan when I needed it the most. During the COVID lockdown, my business suffered badly. But with a loan of ₹5,10,000 from EZ Capital, I was able to rebuild and strengthen it. Today, my business is doing really well, I am making good profits, I have 5 active sites, and 4 labourers working under me.”
Rajkumar
Hardware Shop Owner
“I took a loan from EZ Capital for my hardware shop because I wanted to grow my business. The process was surprisingly fast and smooth, I didn’t have to run around or wait for months. I’m really happy with how everything worked out, and I’m truly grateful to the EZ team for supporting me when I needed it the most.”
Devender Singh
.
Who Can Apply?
For Business Owners:
- Grocery, Medical, Footwear, Clothing, Electronics, Home Furnishing
- Small eateries, garages, florists, tailors, service providers
- Cottage industries, handicrafts, papad/agarbatti making units
- Women-led enterprises and home-based manufacturers
For Salaried Individuals (With Cash or Bank Salary):
- Permanent job holders in private, public, or government sector
- Income must be in monetary form (not in kind)
Required Documents & Collateral Criteria
For Property:
- Valid title documents (Sale deed, Gift deed, etc.)
- Minimum 3 years possession proof (Electricity Bill / House Tax / Water Bill)
For You:
- Minimum 3-month business or employment vintage
- Valid income proof – salary slips or income documents
- Additional incomes like rent, agri income, or pension can be clubbed*
Collateral:
- Self-occupied residential property only
- Minimum market value till ₹10,00,000
- Property must be within 30 km from branch
- Registered mortgage deed required
100% Secured & Transparent
No hidden conditions, just straightforward finance. Apply with confidence today!
100% Secured & Transparent
Simple 3-Step Loan Process
Apply Online or at Branch
Fill a simple form online or visit our branch
Quick Assessment & Property Valuation
One valuation and document check
Approval & Disbursement
On-ground verification, end-use certificate, and instant disbursal
Why Choose EZ Saral Loan?
- Fast approval with minimal documentation
- Flexible repayment options to suit your needs
- CIBIL not a barrier, collateral is what matters
- Use for multiple financial needs
- Income clubbing allowed for eligibility boost
- Trusted by thousands of satisfied borrowers
Ready to Apply?
Ready to Apply?
Z Saral Loan empowers small business owners, salaried professionals, and entrepreneurs to dream big, and grow even bigger. Start your journey today.
Frequently Asked Questions
1. What is the EZ Saral Loan?
EZ Saral Loan is a simple, secured loan from EZ Capital, designed to meet both personal and business needs. You can borrow from ₹50,000 to ₹5,00,000 with fixed tenures, clear terms, and an easy approval process, even with limited credit history.
2. What is Saral Plus?
Saral Plus is an extended version of the EZ Saral Loan for larger funding needs, offering loans from ₹6,00,000 to ₹10,00,000 with tenures from 3 to 8 years. It works on the same simple, secure, and transparent process as the EZ Saral Loan.
3. What kind of collateral is accepted for Saral Plus?
Self-occupied residential or self-occupied commercial properties within 30 km of a branch (with possible 10 km extension on approval).
4. Who should opt for Saral Plus instead of EZ Saral Loan?
Applicants who need more than ₹5,00,000 for large-scale business expansion, major equipment purchase, or other high-value needs.
5. Is EZ Saral Loan a secured loan?
Yes, EZ Saral Loan is collateral-based. A self-occupied residential property is required as security. This ensures quicker approval and better eligibility, especially for applicants with lower income or weak credit scores.
6. Who can apply for a EZ Saral Loan?
Salaried individuals, self-employed professionals, and small business owners with stable monthly income can apply.
7. Can I combine my income with a family member’s?
Yes. two income clubbing allowed, you can combine your income with one immediate family member (such as a spouse or parent) to improve your eligibility.
8. What are the loan amount and tenure options?
You can borrow between ₹50,000 and ₹5,00,000, with loan tenure ranging from 12 to 60 months.
9. Can I get the loan with a low CIBIL score?
Yes. Since this is a collateral-based loan, low CIBIL scores are not a deal-breaker. Each application is reviewed individually.
10. What kind of property is accepted as collateral?
Only self-occupied residential properties within 30 km of a branch are accepted. An additional 10 KM extension is allowed with management approval.
11. Is property valuation required?
Yes. A single property valuation is mandatory for every application involving collateral.
12. Are vacant properties accepted as collateral?
No, vacant properties are not accepted as collateral. The property must be in regular use and classified as a Self-Occupied Residential Property (SORP), with valid proof of occupancy such as recent utility bills — electricity, water, or similar.
13. What can the EZ Saral Loan be used for?
- Business expansion
- Working capital
- Debt consolidation
- Marriage expenses
- Educational expenses
- Business equipment purchase
- Home or business renovation
14. What are the restricted uses of the loan?
- Speculative activities (trading, gambling, etc.)
- Real estate construction
- Balance transfer from other lenders
- Any other non-approved uses
15. Is insurance mandatory for the loan?
Yes. Loan protection insurance covering the full tenure is mandatory. Exceptions may be granted with management approval.
16. Can I prepay or foreclose the loan early?
Yes, both prepayment and foreclosure are allowed. Charges, if applicable, will be as per EZ Capital’s prevailing policy.
17. How can I reach EZ Capital to apply or ask more questions?
Simply visit your nearest EZ Capital branch. Find a Branch Near You → https://ezcapital.in/branch-offices/
18. How fast is the process?
Very fast. Once your documents and valuation are complete, loans are disbursed quickly.
