Abhiloans

Abhiloans is a product of KNAB Finance Advisors Private Limited, a non-deposit NBFC. We have brought the offer of loan against securities to a common man. We offer a loan starting from Rs. 10,000. The company Leverage your investments to get quick funds via Abhiloans loan against securities. Get up to 75% of the value of your securities against a wide range of collaterals, including shares, mutual funds, and bonds at attractive interest rates with loan disbursed within 4 hours. Enjoy overdraft facilities against your shares, mutual funds and bonds. Don’t let your investments sit idle when you can achieve financial flexibility without selling them apply for Loan Against Securities with Abhiloans today and unlock your wealth.

Core Products and Services

• Loan Against Securities: Loans secured against shares, mutual funds, and bonds with flexible repayment terms.

• End-to-End Digital Process: A fully online loan application process with disbursement within 4 hours.

• Low Loan Threshold: Customers can borrow as little as ₹10,000, making the service accessible to retail investors.

• No Prepayment Charges: Borrowers enjoy flexibility with no penalties for early repayment.

Unique Value Proposition

Abhiloans stands out by offering quick and paperless loans with competitive interest rates and no credit checks. Its focus on retail customers, combined with its ability to process loans in under four hours, ensures unparalleled convenience and accessibility.

Business Model & Revenue Streams

Abhiloans operates on a straightforward yet effective business model centered around providing loans against securities. Its revenue streams include:

Primary Revenue Sources

1. Interest Income:

   • The primary source of revenue comes from interest charged on loans disbursed against securities. Interest rates are competitive and calculated daily.

2. Processing Fees:

   • A one-time processing fee is charged on every loan disbursed, contributing to additional revenue.

3. Renewal Fees:

   • For loans extended beyond the initial one-year term, renewal fees are applied.

Customer Segmentation

• B2C (Retail Customers): Individuals seeking short-term liquidity without liquidating their investments.

• B2B (SMEs): Businesses leveraging company shares or mutual fund holdings for working capital needs.

Growth Strategy

1. Market Expansion:

   • Focus on expanding its reach across Tier 2 and Tier 3 cities to cater to underserved markets.

2. Product Innovation:

   • Develop new financial products tailored to meet the evolving needs of retail and business customers.

3. Partnerships:

   • Collaborate with financial institutions and investment platforms to enhance service delivery and customer acquisition.

4. Technology Integration:

   • Leverage advanced digital tools to streamline loan processing further and improve customer experience.