About Galaxy Finserv

Galaxy Finserv is a registered financial service provider based in Kolkata. Galaxy Finserv is a loan assistance service provider and not a direct lender, offering assistance in securing personal, business, and other types of loans through trusted banking and NBFC partners across India.

• UDYAM Registration No: UDYAM-WB-10-0150997

• Type: Micro Enterprise

• Business Activity: Financial Services (Loan Assistance)

• Established: 2023

Key Features

• Loan Type: Unsecured Cash Credit Facility.

• Loan Amount: Up to 25%–30% of last 12 months GST turnover

• Rate of Interest (ROI):
  10.50% to 11.50% per annum

• Approval Time (TAT): 1–3 working days

• Tenure: Renewable annually

• Usage: Withdraw funds as per requirement & pay interest only on utilized amount

Loan Benefits and Eligibility

Eligibility Criteria

• GST registered business

• Minimum 1 year GST filing history

• Loan eligibility:
  25% to 30% of last 12 months GST turnover

• Regular GST return filing (GSTR-1 / GSTR-3B)

• Stable banking transactions

• Good CIBIL score preferred

Benefits

• Low ROI – Much lower than typical unsecured business loans

• No Collateral Required – Fully unsecured facility

• Flexible Withdrawal – Use funds anytime as per business needs

• Interest on Utilized Amount Only – Better cash flow management

• Quick Processing – Fast approval based on GST data

📉 Representative EXAMPLE

For a GST-based cash credit facility of ₹5,00,000 at an interest rate of 11% per annum:

• Interest charged only on utilized amount

• If ₹2,00,000 is utilized for 30 days:

  • Interest ≈ ₹1,808 (approx.)

(Actual interest and charges may vary depending on utilization, tenure, and lender terms.)

Nature of Facility
This is a revolving cash credit facility where:

• Credit limit is sanctioned based on GST turnover

• You can withdraw and repay multiple times within the limit

• Interest is charged only on the utilized amount

• The facility is subject to annual renewal based on lender review

Documents Required

Easy loan processing with minimal documentation and competitive interest rates.

🏢 Property Documents (If Required for Backup / Case-to-Case – West Bengal / Kolkata)

📊 Business & Financial Documents

• GST Registration Certificate

• GST Returns (last 12 months)

• PAN Card (Individual & Business)

• Aadhaar Card

• Bank statements (last 6–12 months)

• Business proof (Shop Act / Trade License)

• ITR (if available)

(Though this is an unsecured loan, some lenders may request property details for profile strengthening)

• Title Deed (Mother Deed)

• Sale Deed / Conveyance Deed

• Chain Documents (20–30 years)

• Mutation Certificate (KMC / Municipality)

• Latest Property Tax Receipts

• Approved Building Plan

• Completion Certificate (CC)

• Occupancy Certificate (OC)

• Encumbrance Certificate (EC)

• Society NOC (if applicable)

• Optional Documents (Case-to-Case Basis)
  (Some lenders may request additional documents for profile strengthening. This does not mean collateral is required.)

Why Choose Us

We help you unlock maximum funding through your GST profile:

• Competitive interest rates starting from 10.50% p.a.

• Loan eligibility up to 25%–30% of GST turnover, subject to lender approval

• Fast approvals within 1–3 days

• Expert handling of GST-based cases

• Support for structured & complex profiles

🔒 Important Disclosures & Terms

• Galaxy Finserv is a loan facilitator and not a direct lender.

• We assist in connecting borrowers with banks and NBFC partners across India.

• Loan approval is subject to the lender’s internal policies, eligibility criteria, and document verification.

• Interest rates (10.50%–11.50% p.a.) are indicative and may vary based on applicant profile, GST turnover, and lender evaluation.

• Additional charges may apply, including:

  • Processing fees

  • Renewal / annual maintenance charges (for cash credit)

  • Documentation charges

  • Prepayment / foreclosure charges (if applicable)

  • Late payment penalties

  • GST and applicable taxes

• We do not guarantee loan approval, lowest interest rate, or maximum sanction amount.

• Final loan terms, credit limit, and conditions are determined by the respective lender.
  
  Responsible Borrowing

  Borrowers should evaluate their repayment capacity before availing a cash credit facility. Non-payment of dues, excess utilization, or delayed payments may lead to penalties, increased interest burden, and negative impact on credit score.
  
  

Terms & Conditions

Contact

Contact us for loan guidance

Chatterjee International Centre , 19th Floor, Room no. 6 ,33A, Jawaharlal Nehru Road,Park Street, Kolkata 700071

+91-75960 57715

Copyright © Galaxy Finserv. All rights reserved.

Address

Email

Phone

support@galaxy-finserv.com

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