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Loan Features

Loan Size: 0.75 lakhs to 15 lakhs

Tenure: 1 to 7 Years

Business Vintage: More than one year

Cash Flow based assessment

Diminishing Balance Interest Rate

Before you apply, please check the loan offers and rates.

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Benefits

Opting for the loan at Velicham offers higher integration and value to the customers. Superior consultation that helps to address different challenges in the business assessment for underwriting and channels the funds in the right direction. The technology architecture helps the customer receive the loan at a faster pace.

Ease out the loan approval process using advanced technology
Special in-house consultation to broaden the business spectrum
Meet working capital requirements.
Timely access to credit.

How it works

Home-Visit Consultation

This step involves CRO meeting the client and initiating the application.

Multipoint Verification and Field-Inspection

Using integrated APIs and a field credit team, the team verifies customer information as the approval procedure moves forward.

On-spot Loan Approval

As the customer meets the requirement, the loan is approved on-spot.

Loan Disbursement and Usage Verification

The loan is disbursed to the customer’s bank account. On the other hand, Velicham team members keep a check on loan usage.

Digital and Field Collection

With field collection as an option, Velicham promotes digital payments for a seamless transaction.

Loan Eligibility Criteria and Documents

The applicant must be a resident of India
Your PAN card and Aadhar is required
The age limit of the applicant should be between 21-62 years
Bank Statements Required

Velicham Finance reserves the right to reject, cancel, or recall any loan application at any stage of the application process, without providing any reason. The interest rate will be determined by the customer's risk grade, and Velicham Finance may change the interest rate, processing fee, or other charges at any time, in accordance with its policies and/or applicable laws and regulations. The terms of this loan will also be governed by the General Terms and Conditions, which are available on Velicham Finance's website.

Portfolio no.	Outstanding portfolio amount on which DLG has been offered (as on Dec-2025)
1	INR 0 Crore

Testimonials

AMUTHA

We sell plastic water containers that come in different sizes, and drums with a lid can be used to store rice, chillis, and the ones with vents are for storing vegetables.” “This is the only business we know; thanks for saving our business,” said Amutha, and she expressed her gratitude to Velicham Finance for helping her pursue the business.

SUNDHARAVALLI

For Sundharavalli, the loan has not only provided her with a monthly income to sustain her in her old age but also helped her rear cows again. She hugged a passing cow and said, "I love Cows; I want to have more cows now. Cows make me happy. Thanks for bringing happiness into my life.