JMJ Financial Services
great ideas for your business success

Working Capital

(CC/OD)

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Home Loan

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Personal Loan

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Business Loan

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Loan Against Property

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CMA Data

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Project Finance

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Product & Services

JMJ Financial Services
We are group of professional comprising, CA, Architect, Cost Accountant, Chartered Engineers. We have been in this business since 2001. We are duly registered with Service Tax Department. We have been dealing with various banks, Non Banking Finance Companies (NBFC) and can provide loans through out India. It is our utmost Endeavour to provide our clients loans at cheapest interest rate available, without any hassle. We have a dedicated team, who will prepare the loan file, as per the bank requirement. We also prepare Project Reports, CMA Reports, with various analysis, Ratios, Projections, as per the Loan requirement.
Project Loans

Project loans are available from bank, for a New Business Venture or major expansion of the existing unit. This loan is available against collateral security, which should be about 130% of the loan amount. The project loan is available for Purchase of Land, Construction of building, Purchase of Plant and Machinery, and also for Working Capital. Banks have different criterion for approval of project loans, which will vary from bank to bank.

We are expert in Project Loans

Documents required - (Click here)

Term Loans

Normally Term Loan is sanctioned for purchase of New Machines, Land and Building, Construction of building This loan is available both for existing companies as well as new Ventures. Collateral security of more than the loan amount is required. The loan is repayable with interest over a period of 5-15 years, through Equated Monthly Installments. Basically the bank apprise the quantum of loan based upon value of value of collateral, viability, profitability, rapayment capacity, Goodwill of the borrower.etc.

Documents required - (Click here)

Working Capital (OD/CC)

Working capital is provided for the running of the unit, for purchase of raw-materials, advance payment for raw-materials, giving credit to clients, etc. Initially this is given for a period of one year, and thereafter it is renewable with increase or decrease in Working Capital Limit. The criterion for assessing the Working Capital requirement shall depend upon the achieved sales, projected sales, orders in hand, value of Collateral Security offered. Normally bank shall give Working Capital Limit (OD/CC) of 20% of last year’s achieved sales. For this Limit Collateral Security for more than the value of Working Capital Limit is required.

If your requirement is OD/CC is above 3 Cr,
• Special reduced interest rate can be offered.
• Special bank facility can be offered
• Value of collateral can be 80-85% of Working Capital Limit

Documents required - (Click here)

Unsecured Business Loans

Business Loans are given to meet urgent requirement of funds by the Business Organization s. No Collateral Security is required. The minimum turn over should be 2 Crores, as per the latest audited balance sheet. Some relaxation can be given about the Annual Turn over. This loan is repayable with interest over a period of 3-5 Years by Equated Monthly Installments. One immovable (residence or business premises) is a must for Business Loan. . The unit must be in the same business at least for the last 3 years.

Unsecured OD/CC and Term Loans can be availed by Service Sector Industry or Manufacturing unit, new as well as existing Units

Documents required - (Click here)

Loan Against Property

Loan against property is given upon mortgage of Mortgageable property. Village and agricultural properties are not accepted. Properties situated at unauthorized colonies are also not accepted. All other properties are acceptable. This loan can be availed by individual or business unit. The loan is repayable with interest over a period of 5-10 years by Equated Monthly Installments.

We can arrange Loan against property without sanctioned plan, even upto 100% value of property.

Documents required - (Click here)

Home Loans

Home loan can be availed by Working person or those who are in business (self employed) for purchase of new residential units or renovation of existing House, in any Govt. approved area. For salaried person, the minimum salary should be Rs. 15,000/- per month net. It is preferable if the monthly salary is transferred to bank. For Self Employed the Net Average Income should be 2.5 to 3 lacs for the last 3 consequent years.

Documents required - (Click here)

Personal Loans

Personal loan can be availed by Working person or Business man. For salaried person, the minimum salary should be Rs. 15,000/- per month net. It is preferable if the monthly salary is transferred to bank. For Self Employed the Net Income average should be 2.5 to 3 lacs for the last 3 consequent years. It is desirable to have at least one immovable property by the applicant.

Documents required - (Click here)

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