Personal Loan

Vinayaka Capsec Pvt. Ltd. Personal Loan product is designed to ensure that you get express Approval and Disbursal of your loan.

You can take Personal Loan for domestic or international vacation, wedding, latest gadget, higher education, purchase of vehicle or even home renovation. Personal Loan will help you realize your dream at an express speed and easy process.

Vinayaka Capsec Pvt. Ltd. offers personal loan for women, individuals employed by the Government of India and various public-sector units (PSUs), as well as school teachers and college professors.
And that’s not all. If you have multiple forms of debt – overdue bills, credit card dues, or short-term loans of varying interest rates, a personal loan can come in handy. Consolidate all your existing loans into one with personal loan and manage your installments effectively.
Personal loan by Vinayaka Capsec Pvt. Ltd. comes with quick approval and disbursal within just 1 day. Borrow without the need to pledge any collateral. Simply meet Vinayaka Capsec Pvt. Ltd. simple eligibility criteria and submit your basic documents to avail the money that you need. Repay your loan with ease with our flexible repayment tenors ranging from 12 months to 60 months.


  • Minimal documentation

  • Quick Approval and Disbursal

  • Easy documentation

  • Flexible repayment tenor

Commercial Vehicle Loan

We have got tailor made products to suit the needs of varied customer needs and we are ready to serve various segments.
Our Used Car Loans come with exclusive features like high LTV, flexible repayment tenure and pocket-friendly EMI so that you get the car you want.

Enjoy quick disbursal of funds, special rates of interest and a lot more. So now get perfect car and the perfect loan for it, the way you want it.


  • Quick Disbursals
  • Pocket friendly EMI
  • Simple and Easy Application
  • Flexible Tenure
  • Maximum Loan Offered
  • Fixed Rate

Used Commercial Vehicle Loan

As a self-employed individual, if you are involved in the business of transport or you are planning to start one, Fundwiser India Commercial Vehicle loan, is the ideal and flexible financial assistance for you.
Fundwiser India offers finance for all kinds of light commercial vehicles. This loan can be availed by customers with diverse profiles. Self-employed individual can always apply for the purchase of used commercial vehicle, refinance of commercial vehicle, repurchase of commercial vehicle and more.

Features & Benefits

Loan Amount:

Fundwiser India’s commercial vehicle loan amount ranges from INR .75 lakh to 6 Lakh

Loan Amount:

Fundwiser India’s commercial vehicle loan amount ranges from INR .75 lakh to 6 Lakh

Hassle-free loan application

We make sure your loan application process is as simple as possible with quick response time.

Wide Range of Schemes

Fundwiser India understands your needs and caters to a large and varied sector of audience.

Quick Loan Disbursal

We make sure once your loan is processed, the amount is disbursed in the quickest time possible

Convenient Repayment

Fundwiser India gives you the liberty to choose from a range of repayment options as per your need and convenience.

Timely Status Update

Be rest assured as Fundwiser India makes sure you get a prompt update about your application as and when necessary

Two Wheeler Loan

A two wheeler loan enables you to buy a bike of your choice on low-interest rates with monthly EMIs without hurting your budget. EMIs or Equated Monthly Installments are designed to repay the two wheeler loan at affordable prices. The tenure for EMIs ranges from 1 to 3 years - we also offer the option of pre-closure of the loan by paying the entire amount with some pre-termination charges.

A two-wheeler loan is the best option to own your dream bike without redeeming your savings. It is the best way to manage your finances when you do not have other means. You can get up to 100% of your bike’s on-road price as a loan without pledging anything as collateral. With affordable interest rates and longer loan tenure, you can plan your repayments based on your needs.

Two Wheeler Loan Eligibility

  • Minimum age of the loan applicant should be at least 18 years and the maximum age limit should be 65 years at the time of loan maturity.

  • Applicants should be residing in the same house for at least one year to show residential stability.

  • Applicants should be in a stable job for atleast one year or self-employed with IT returns of two years.

  • Applicant should have a good CIBIL score with credit bureaus

  • Applicants should have a permanent telephone number and possess KYC and other related documents.

Documents Required for Two Wheeler Loan

  • Identity Proof: Aadhaar Card, PAN Card, Passport, Driving License or Electoral Voter Identity Card (Should have one out of these)

  • Address Proof: Aadhaar Card, PAN Card, Passport, Driving License, Latest Electricity Bill, Latest Phone Bill, Latest Bank Passbook reflecting the current address, Property Documents or Water bill (Should have one out of these)

MFI Group Loan

Microfinance is an effective tool which can help to reduce poverty and spread economic opportunity by giving poor people access to financial services, such as credit and small loans. Swadhan Microfinance distributes financial services to the poor people of the society so that they can start or expand their small businesses and increase their incomes for a better life.

At Vinayaka, we offer need based products and services to our customers. Since the clients are from the economically weaker sections of the society, so, we facilitate almost collateral free micro credit to our customers.

The products are simple and designed to facilitate the transactions in synchronization with the operational model. The main thrust is on providing access to institutional credit for the poor families and scope for entrepreneurial activities. Though, the loans are utilized for 234 different types of income generating activities, a broad break-up is as below:


  • Agriculture

  • Allied Agricultural Activities like Dairy, Sheep-rearing.

  • Small Business ventures like Tea shop, Tiffin stall.

  • Retail Trade like vegetable vending, grocery, fruit vending.

  • Self-employment ventures like cycle shop, watch repair

  • Village & Cottage industries like carpentry, pottery, leather-goods.