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About Savings & Loans

We empower NRIs in making smart and informed financial decisions by striving to first understand their needs and then suggesting the right product to meet their requirements.

  • Unbiased

    We are not associated with any single financial institution. Our comprehensive range of products hand-picked from several institutions allows us to offer unbiased advice to our customers.
  • Need-centric

    While most financial institutions are product-centric, we believe in understanding your needs before offering relevant solutions.
  • Simple

    Finance can be complex for some. Our job is to simplify it for you. We translate the products in a language you can understand easily.
  • All-in-one

    We are one of the leading and only platform in the country with the competency to manage all your financial needs – whether it’s a loan, investment, saving or travel insurance.
  • Transparent

    We ensure 100% transparency in all our transactions. Our advisors are committed to sharing every single detail to help you make a smart and informed decision.

Savings & Loans Products

Achieve all your goals and aspirations; with the right kind of help, exactly when you need it.









A loan that is offered by a bank or financial institution to fund a personal expense such as home renovation, vacation, a wedding in the family, etc. NRIs are eligible to take unsecured loan up to Rs.5 lakhs.

A loan that is offered by a bank or financial institution when you intend to purchase or construct a house. We help you in every stage of the home loan process – right from pre-approval and property identification to disbursement and payment reminders.

A property loan is offered by a financial institution against mortgage of property. We help you with real-time details on eligible loan amount, rate of interest, EMI schedule and applicable charges. We also negotiate with banks on your behalf to save on interest rates.

Forex Facilities for NRIs/PIOs

If you are a Non-Resident Indian (NRI) or a Person of Indian Origin (PIO), you can avail of the following facilities without permission from the Reserve Bank.


  • Whether you’re an NRI or a PIO (Person of Indian Origin), you are eligible to open, hold and maintain the following types of accounts with an authorized dealer.
    • Non-Resident (Ordinary) Rupee Account – NRO Account
    • Non-Resident (External) Rupee Account – NRE Account
    • Foreign Currency Non Resident (Bank) Account – FCNR (B) Account
  • ParticularsFCNR (B) AccountNRE AccountNRO Account
    Joint account of two or more NRIsPermittedPermittedPermitted
    Joint account with a resident of IndiaNotPermittedNotPermittedPermitted
    Currency in which account is denominatedPound Sterling/ US Dollar/Jap.Yen/EuroIndian RupeesIndian Rupees
    Repatriability–PrincipalFreely repatriableFreely repatriableNot repatriable(except in case of current income like rent, dividend, pension etc. and remittances indicated under "Repatriation of NRO Funds")
    InterestFreely repatriableFreely repatriableFreely repatriable
    Foreign currency riskAccount holder is protected against changes in INR value vis-à-vis the currency in which the account is denominated.Account holder is exposed to the fluctuations in the value of INR.Account holder is exposed to the fluctuations, in the value of INR to the extent of interest amount.
    Type of accountsTerm deposits onlyTerm Deposits, current, savings, recurring and Fixed DepositsTerm Deposits , current, savings, recurring and Fixed Deposits
    Period of fixed depositsFor terms not less than 1 year and not exceeding 3 yearsFor the periods as announced by the deposit taking bank.For the periods as announced by the deposit taking bank.
    Rate of interestBanks are free to determine interest rates within the ceiling, if any, prescribed by the Reserve BankBanks are free to determine interest rates.Banks are free to determine interest rates.
    Rupee Loans in India against Security of the funds held in the account to third party account holderPermittedPermittedPermitted
    Foreign currency loans outside India against security of the funds held in the account to :third party account holderPermittedPermittedNot Permitted
  • Only account holders can avail of foreign currency loans in India against the security held in FCNR(B) Deposit Account.

Loved by customers, Trusted by experts

We’re aiming to bring back the feeling of defined benefits, and the financial peace of mind that goes with it. We envision a world where you can be confident of reaching your goals, whatever they may be.