Begin Your Journey
to Financial Success
Employment Express

Connecting talent with meaningful employment and growth across
banking, financial services, and insurance industries.

Happy Woman

Products Offering

Equity Products

Unlock market-driven growth through equity, derivatives, and commodities β€” tailored for ambitious wealth goals.

4.5 β˜…β˜…β˜…β˜…β˜… 5-Year Holding

Fixed Income Products

Secure stable returns with fixed deposits, bonds, and NCDs β€” ideal for consistent income and low-risk wealth preservation.

4.8 β˜…β˜…β˜…β˜…β˜… 7% Fixed Yield

Insurance Product

Protect your future with life, health, and general insurance β€” comprehensive coverage for every stage of life.

4.2 β˜…β˜…β˜…β˜…β˜† Term: 20 Years

Loan Products

Access quick and flexible financing through home, personal, and secured loans β€” empowering your goals with ease.

4.5 β˜…β˜…β˜…β˜…β˜… Tenure: 5 Years

Wealth Management

Grow and preserve wealth with tailored strategies, expert advisory, and tax-optimized investment planning.

4.8 β˜…β˜…β˜…β˜…β˜… Goal-Based Investing

Other Products

Explore opportunities like NPS, IPOs, and PMS β€” curated for financial growth beyond traditional investments.

4.2 β˜…β˜…β˜…β˜…β˜† Flexible Options

Equity Products

πŸ“ˆ

Equity

Equity represents ownership in a company acquired through contribution of capital. These shares are either bought directly from the company or traded on the stock exchanges.

πŸ”

Derivatives

A derivative is a contract between parties whose value is based on an agreed-upon financial asset. Instruments include bonds, currencies, interest rates, and market indexes.

πŸͺ™

Commodities

Commodities are basic goods interchangeable with others of the same type. Examples include gold, oil, grains, and natural gas.

Fixed Income Products

🏒

Corporate Fixed Deposit

A term deposit held over a fixed period at fixed interest rates. Offered by financial and non-banking financial companies (NBFCs).

πŸ’°

Bonds

Bonds represent loans made by investors to borrowers. They act as IOUs detailing repayment terms and interest.

🏦

Fixed Deposit (FD)

A financial instrument from banks or NBFCs providing higher interest than savings accounts for a fixed term.

πŸ“„

Non-Convertible Debentures (NCDs)

High-rated companies issue NCDs as public issues for long-term capital appreciation with higher interest than convertible debentures.

Insurance Products

πŸ§‘β€βš–οΈ

Life Insurance

A contract between an insurer and a policyholder in which a designated beneficiary receives a sum of money upon the policyholder's death, in exchange for premium payments.

🏠

General Insurance

Covers home, travel, vehicle, and health (non-life assets) from risks like fire, floods, accidents, disasters, and theft. Includes motor, health, travel, and home insurance.

πŸ₯

Health Insurance

Covers medical expenses due to illness, including hospitalization costs, medications, and doctor consultations.

Loan Product

Job-Oriented Training

Home Loan

A house loan or home loan simply means a sum of money borrowed from a financial institution or bank to purchase a house. Home loans consist of an adjustable or fixed interest rate and payment terms. The property is mortgaged to the lender as a security till the repayment of the loan. These loans help individuals and families realize their dream of owning a home without the burden of upfront payment. Home loans can cover the cost of construction, purchase of land, or renovation of an existing property. Repayment tenures are usually long-term, ranging from 10 to 30 years, making EMIs more affordable. Many lenders offer flexible repayment options and attractive interest rates based on eligibility. Additionally, borrowers may benefit from tax deductions on both principal and interest components under prevailing tax laws.

Home Loan Top Up

Top-up loan is a facility provided by banks, housing finance companies and other financial institutions that allows you to borrow a certain amount of money over and above your home loan. This facility is typically available to existing home loan borrowers with a good repayment track record. The interest rate on a top-up loan is usually lower than that of a personal loan, making it an attractive option. Top-up loans can be used for various personal or professional needs like home renovation, education, or medical expenses. The repayment tenure for a top-up loan generally coincides with the existing home loan, offering convenient EMI planning. Quick processing and minimal documentation make it a hassle-free borrowing option. Moreover, depending on usage, tax benefits may also be available under specific sections of the Income Tax Act.

Loan Against Property(LAP)

A loan against property (LAP) is a secured loan that banks, housing finance companies and NBFCs provide against residential or commercial property. These loans are usually offered at a lower interest rate as compared to a personal loan or business loan and are disbursed at a reasonable time. The borrower retains ownership of the property while using its value to secure funds. LAPs can be used for a variety of purposes such as business expansion, education, or medical emergencies. The loan amount sanctioned typically depends on the market value of the property and the borrower’s repayment capacity. Since the loan is secured, lenders are more flexible with tenure and loan amounts. Proper documentation and property evaluation are key steps in the approval process.

Lease Rental Discounting (LRD)

Lease Rental Discounting or LRD is a term loan that is offered against rental receipts that are derived from lease contracts of property. This loan offered is based on the underlying value of a property and the discounted value of rentals. It allows property owners to unlock the value of future rental income to meet current financial needs. LRD loans are typically given for commercial properties leased to reputed tenants. The loan amount is determined by evaluating the lease agreement, tenant credibility, and rental cash flow. Repayments are usually structured around the rental inflows, making it a manageable financing option. LRD is ideal for real estate investors and developers seeking liquidity without selling the asset.

Personal Loan

A personal loan is an amount of money you can borrow to use for a variety of purposes. Personal loans can be offered by banks, credit unions, or online lenders. The money you borrow must be repaid over time, typically with interest. Some lenders may also charge fees for personal loans. They are generally unsecured, meaning you don’t need to pledge collateral. Personal loans are commonly used for expenses like medical bills, travel, weddings, or debt consolidation. Loan approval and interest rates depend on your credit score and repayment history. They offer fixed repayment terms and predictable monthly installments. Quick disbursal and minimal documentation make personal loans a convenient choice.

Credit Card Loan

Loans on Credit Cards are pre-approved loan offers provided to you based on your credit card usage patterns, timely repayments, and overall credit history, making it a convenient and fast option for immediate financial needs. These loans require no additional documentation and are instantly available on eligible cards. Whether you're planning a vacation, managing medical expenses, or consolidating debts, these loans offer flexible tenures and competitive interest rates..

Auto Loan

An auto loan is a loan that allows you to buy a desired four-wheeler, and pay the vehicle off in equated monthly installments for a set tenure instead of having to pay the full price upfront. The terms of an auto loan depend on various factors, including your income and credit history. Interest rates and repayment periods can vary, typically ranging from 12 months to 7 years. Auto loans are usually secured loans, with the vehicle acting as collateral until the loan is fully repaid. Lenders may offer both fixed-rate and variable-rate options, giving you flexibility in repayment. By choosing an auto loan, you can drive your dream car without straining your finances. Timely repayment can help build your credit score, while missing payments can impact it negatively.

Gold Loan

Gold loan (also called loan against gold) is a secured loan taken by the borrower from a lender by pledging their gold articles (within a range of 18-24 carats) as collateral. The loan amount provided is a certain percentage of the gold, typically up to 80%, based on the current market value and quality of gold. Gold loans are popular due to their quick approval process and low-interest rates compared to unsecured loans. The borrower can continue to possess the gold, but it will remain with the lender until the loan is repaid in full. These loans are flexible, with the option of short repayment terms, ranging from a few months to a couple of years. Gold loans are generally offered with minimal documentation and don’t require a credit history check. In case of non-repayment, the lender has the right to auction the pledged gold to recover the loan amount. Feel free to adjust or add further details as per your needs!

Two Wheeler Loan

If you have been thinking about purchasing a bike in the near future but do not have the finances to do the same, a two-wheeler loan might help. With a bike loan, you do not have to shell out your savings as you can purchase your favourite bike and pay back the loan amount via equated monthly installments. Two-wheeler loans are typically offered at competitive interest rates, making them an affordable option for bike enthusiasts. The loan amount depends on factors such as the bike’s price, your income, and credit history, and can cover the entire cost of the vehicle. Repayment terms are flexible, ranging from 12 to 60 months, allowing you to choose a duration that best suits your financial situation. These loans are easy to apply for and usually require minimal documentation, making them accessible to a wide range of customers.

Loan Against Security (LAS)

Loan against securities is a financial product that allows you to pledge your shares, mutual funds, or life insurance policies as collateral to secure a loan from a bank or financial institution. This type of loan offers a quicker disbursal process compared to other loans, as the lender has a security interest in the assets you pledge. The loan amount is typically a percentage of the current market value of the securities, and the interest rates are generally lower than unsecured loans because the lender has collateral backing the loan. Repayment terms are flexible, and the loan can be used for various purposes, such as personal expenses or business needs. If the borrower defaults, the lender has the right to liquidate the pledged securities to recover the outstanding loan amount, making it a relatively secure lending option. Loan against securities is ideal for individuals who have investments but do not want to sell them, allowing them to access funds while retaining ownership of their assets.

Forex

Loans on Forex, also known as Margin Loans, allow investors to borrow funds to trade in the foreign exchange (forex) market. The money you invest in your position serves as collateral for the loan. By leveraging margin, you can control a larger position than what you could with your own capital alone, magnifying potential returns or losses. The forex market, being the largest and most liquid market in the world, offers ample opportunities for margin trading. It is also known for its lower volatility compared to other financial markets, with price movements typically remaining within a 1% range on most days. Margin trading provides access to higher levels of capital, enabling traders to take advantage of smaller market movements. However, this also comes with increased risk, as even a small adverse price movement can lead to significant losses

Travel Loan

A Vacation/Travel Loan is a type of personal loan designed to help you finance your travel plans. Whether it's a dream vacation, a destination wedding, or a once-in-a-lifetime adventure, this loan allows you to cover expenses such as flights, accommodation, activities, and more. Unlike credit cards, which often carry high-interest rates, vacation loans typically offer fixed rates and predictable monthly payments, allowing you to budget effectively for your trip. You can choose the loan term based on your financial situation, making it easier to manage the repayments over time. Vacation loans can be an excellent option when you want to travel without dipping into your savings or sacrificing your financial stability. However, it’s important to plan your trip carefully, considering the total loan amount and the repayment terms, to avoid adding undue financial stress after your vacation. Some lenders may also offer flexibility in terms of loan amounts, enabling you to borrow just what you need for your journey. With a vacation loan, you can enjoy your trip now and pay it off over time at a manageable rate.

Other Products

IPO/FPO

IPO is the first time a private company offers shares to the public. FPO is a follow-up public issue by an already listed company.

NPS

NPS is a voluntary pension system in India offering tax benefits under EEE, allowing corpus growth and tax-free withdrawals.

PMS

Portfolio Management Services (PMS) offer professional investment management in stocks, debt, and moreβ€”tailored to your goals.

Have Questions?

We're here to help

Contact Us