Fast, Transparent & Empowering Capital Solutions
Tailored personal credit lines for salaried professionals & labour workers, alongside Zero Monthly Rent Digital QR Payment Systems for retail merchants across Punjab.
Zero Hidden Fees
Clear T&C24H Disbursal
Instant ApprovalZero Rent QR
Merchant Cashback
Get Instant Free Consultation
Veer and our senior credit team will connect with you within 15 minutes with customized low-interest rates or zero-rent merchant QR solutions.
₹ 0+ Cr
Capital Disbursed0+
Satisfied Borrowers0%
Approval Success Rate0 Mins
Fast-Track SanctionHow It Works in 4 Simple Steps
Fast, paperless, and transparent loan approval workflow designed for your convenience.
2-Min Instant Check
Enter your basic salary & required loan amount to check pre-approved offers.
Paperless KYC
Upload Aadhar, PAN, or Bank statement directly via mobile or borrower portal.
Custom Sanction
Get approved loan terms, custom ROI %, and monthly EMI repayment schedule.
24H Bank Disbursal
Approved loan funds are transferred directly into your verified bank account.
Tailored Financial Products
Empowering workers, salaried professionals, and micro-merchants with fair rates.
Salaried Personal Loan
ROI: 9.99% - 14.5%Instant unsecured credit line designed for government and private salaried employees with low interest and zero pre-closure charges.
Labour & Workers Loan
ROI: 10.5% - 15%Empowering daily wagers, skilled artisans, and industrial workers with easy verification and doorstep assistance.
Merchant Digital QR Business Loan
ROI: 8.99% - 13.5%Collateral-free working capital loan linked with zero-rent HRV QR payment gateway. Enjoy transaction cashback!
Business & MSME Working Capital Loan
ROI: 10.5% - 14.5%Tailored working capital credit lines for small business owners, shopkeepers, traders, and manufacturing units with flexible monthly repayment.
Gold Loan / Jewel Credit
ROI: 8.5% - 12%Instant cash liquidity against gold jewelry with high per-gram valuation, safety locker insurance, and doorstep evaluation.
Vehicle & Auto Loan
ROI: 9.5% - 13.5%Affordable vehicle financing for two-wheelers, new/used cars, and commercial transport with up to 90% on-road funding.
Affordable Home & Renovation Loan
ROI: 8.75% - 11.5%Affordable home purchase, construction, roof extension, and repair loans with long repayment tenures and lowest interest rates.
Compare Loan Features Side-by-Side
Choose the financial product tailored specifically for your income profile.
| Feature | Salaried Personal Loan | Labour & Worker Credit | Merchant Digital QR Loan |
|---|---|---|---|
| Maximum Loan Amount | Up to ₹ 15.0 Lakhs | Up to ₹ 3.0 Lakhs | Up to ₹ 25.0 Lakhs |
| Interest Rate (ROI p.a.) | 9.99% - 14.5% | 10.5% - 15.0% | 8.99% - 13.5% |
| Repayment Tenure | 12 - 60 Months | 6 - 36 Months | 6 - 84 Months |
| Pre-closure Penalty | ₹ 0 (Zero Penalty) | ₹ 0 (Zero Penalty) | ₹ 0 (Zero Penalty) |
| Disbursal Time | Within 24 Hours | Same Day Disbursal | Instant Disbursal |
Interactive Loan EMI Calculator
Simulate monthly installments, interest payments, and download complete repayment schedules instantly.
Monthly Installment (EMI)
₹ 11,598
Zero Rent Digital QR Solution
Eliminate monthly rentals and hidden payment fees. Accept UPI, wallet, and card payments seamlessly while earning customer transaction cashbacks!
• Zero Rent
No monthly fees• Customer Cashback
Rewards on transactionsFree Doorstep QR Setup
Mansa, Bathinda, and Ludhiana field executives provide 2-hour doorstep deployment.
Request QR DeviceCreating Genuine Opportunities & Financial Independence
At HRV CAPITAL FINANCE, our vision is to create employment opportunities across India and ensure that young professionals receive the recognition, growth, and rewards they rightfully deserve.
We provide target-based off-roll job opportunities, performance incentives for target overachievement, and clear pathways to higher designations based on merit and performance.
Frequently Asked Questions
Trusted by Thousands in Punjab
"HRV Capital Finance processed my loan application within 24 hours with minimal paperwork. The transparent ROI and zero hidden fees were impressive!"
Gurpreet Singh
Factory Supervisor, Mansa"The zero-rent QR payment solution transformed my shop. No monthly fees and daily automatic credit settlements!"
Amit Sharma
Retail Merchant, Bathinda"The EMI calculator gave me exact numbers upfront. The customer service team in Mansa guided me smoothly."
Pooja Rani
Government Employee, LudhianaReady to Secure Your Capital Solution?
Join thousands of salaried professionals, workers, and merchants across Punjab. Check your pre-approved credit line in under 2 minutes.