FINCT SOLUTIONS

Vendor Details

Vendor: FINCT Solutions
Commission Offered: 1% of the successfully disbursed loan amount

1. BUSINESS LOAN

Commission

• 1% commission on successful loan disbursement.

Documents Required

KYC Documents

• PAN Card – Proprietor / Partners / Co-Directors

• Aadhaar Card – Proprietor / Partners / Co-Directors

• PAN Card – Firm / Society / Company

• Passport-size photograph, if required

Business Documents

• Trade License – First year and latest year

• MSME Certificate

• Professional Tax Certificate

• GST Certificate – applicable for turnover above ₹40 lakh

• GST Returns – Last 1 year (GSTR-3B)

Financial Documents

• Profit & Loss Account – Previous 3 years

• Balance Sheet – Previous 3 years

• Income Tax Returns (ITR) – Previous 3 years

• Computation of Income – Previous 3 years

• Tax Audit Report – Previous 3 years

Financial Years Required: 2022, 2023 and 2024

Current & Projected Financials

• Provisional Financial Statement – 2025

• Estimated Financial Statement – 2026

• Projected Financial Statement – 2027

• CMA Data / CMA Report

Banking Documents

• Last 1 year bank statements in downloaded PDF format:

  • Personal Account

  • Current Account

  • Cash Credit (CC) Account, if applicable

Debtors & Creditors

• Top 5 / Top 10 Debtors List

• Top 5 / Top 10 Creditors List

• Stock Statement

• Debtors Statement

Existing Loan Documents

For any previous/existing loans:

• Sanction Letter

• Statement of Account (SOA) – Last 1 year

• NOC, if applicable

Other Documents

• Loan Application Form

• Credit Information / Credit Details

• Net Worth Certificate of Proprietor / Partner / Director

• Rent Agreement, if premises are rented

• Electricity Bill

• Rent Receipt

• Business / Applicant Profile

• Data Sheet

2. PERSONAL LOAN

Commission

• 1% commission on successful loan disbursement.

Applicant Eligibility

Occupation Allowed

• Government Employees

• Private-Sector Salaried Employees

Minimum Income

• ₹30,000 per month

Credit Score

• 700 or above preferred

Occupations Not Allowed

• Students

• Homemakers

Documents Required

KYC Documents

• PAN Card

• Aadhaar Card

• Passport-size Photograph

Income Documents

• Salary Slips – Last 6 months

• Form 16 – Last 3 years, if TDS is applicable

Banking Documents

• Bank Statement – Last 1 year in downloaded PDF format

Address Proof

• Electricity Bill

Existing Loan Documents

For previous/existing loans:

• Sanction Letter

• Statement of Account (SOA) – Last 1 year

• NOC, if applicable

Other Documents

• Applicant Data Sheet

3. HOME LOAN & MORTGAGE LOAN

Property Documents

• Conveyance Deed

• Agreement for Sale

• Chain Deed / Mother Deed – Last 30 years

• Khajna Receipt

• Porcha

• Mutation Certificate / Mutation Tax Receipt

• Property Tax Receipt, if applicable

• Sanctioned Building Plan

• Possession Letter

• Electricity Bill

• Amin Sketch Map

Applicant KYC Documents

• PAN Card

• Aadhaar Card

• Passport-size Photograph

• Applicant Data Sheet

Banking Documents

• Bank Statements – Last 2 years

Income & Financial Documents

• Income Tax Returns (ITR) – Last 3 years

• Computation of Income – Last 3 years

• Profit & Loss Account – Last 3 years

• Balance Sheet – Last 3 years

GST Documents

• GST Certificate, if applicable

• GSTR-3B Returns – Last 1 year

Important Note

Document requirements may vary depending on the loan amount, applicant profile, business type, lender/bank policy, property type, credit history, and individual case assessment.