Enterprise Credit

Capital for
Market Leaders.

Collateral-free working capital up to ₹5 Cr. Specialized CGTMSE funding for manufacturers scaling globally.

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ISO 9001:2015

RBI Compliant

PMEGP Scheme 2026

Claim Your
35% Subsidy.

Start your manufacturing unit with guaranteed Govt. support. We handle DPR, Bank Application & Approval.

Check Eligibility

100% documentation Support

Free DPR Support

Premium Banking

Upgrade Your
Lifestyle.

Instant personal loans for weddings, travel, or medical needs. Paperless process with 48-hour disbursal.

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48Hr Disbursal

Low Interest

10+ Years Exp.

Who We Are

Bridging the Gap Between
Ambition & Capital.

PraFintech is India's premier financial consultancy. We don't just process loans; we engineer financial roadmaps for Startups, MSMEs, and Individuals.

Govt. Subsidy Experts

Specialized in PMEGP & PMFME with 99% approval rate.

48-Hour Disbursal

Fast-track processing for Personal and Business loans Support.

Doorstep Service

Dedicated relationship managers in Patna & Aurangabad.

More About Us

1.2k+ Clients

₹50Cr+

Loan Disbursed

1200+

Happy Clients

99%

Success Rate

2

Major Branches

Full Spectrum Finance

All Financial Solutions
Under One Roof.

PMEGP Online

Get up to 35% Subsidy for new manufacturing units.

Check Eligibility

PMFME DPR

Subsidy for Food Processing (Pickle, Bakery, etc).

Learn More

Business Loan

Collateral-free working capital up to ₹5 Crores.

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Machinery Loan

Funding for purchasing new plant & machinery.

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Vehicle Loan

Commercial vehicle loans for logistics & transport.

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Loan Against Prop.

Unlock value of your property for big needs.

Check LTV

Personal Loan

Instant funds for weddings or medical needs.

Apply Now

Home Loan

Build your dream home with PMAY support.

View Rates

Education Loan

Loans for higher studies in India and Abroad.

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Credit Cards

Premium cards with rewards & lounge access.

Select Card

Insurance

Life, Health, and General Insurance plans.

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DPR Services

CA Certified Project Reports for bank approval.

Simple Process

Your Journey to
Financial Success.

We have simplified the complex banking procedures into 4 easy steps. From documentation to disbursal, we handle it all.

Consultation & Docs

We analyze your profile and prepare professional reports (DPR) and balance sheets tailored for approval.

Bank Application

Our experts guide you through the documentation and submission for PMEGP/PMFME schemes, helping you navigate government portal requirements with ease.

Sanction & Approval

Our team offers complete guidance and support , making it easier for you to complete your sanction letter and subsidy claims.

Disbursal

Funds are credited to your account. We also assist with post-disbursal compliance and repayment planning.

Ready to start? Most approvals happen within 7 Days.

Start Application

Client Words

Trusted by
Bihar's Best Businesses.

"Approved in just 20 days!"

"I was struggling with PMEGP paperwork for months. PraFintech's team handled the DPR and bank coordination professionally. The subsidy process was transparent and quick."

Rahul Kumar

Flour Mill Owner, Patna

"Collateral-free funding saver."

"Needed working capital urgently for festive stock. PraFintech arranged a collateral-free loan through their partner NBFC in just 3 days. Highly recommended."

Amit Singh

Wholesaler, Aurangabad

"Lowest Interest Rate."

"The process was completely digital. I didn't have to visit the branch even once. They compared offers from HDFC and Bajaj to get me the best deal."

Priya Sharma

Doctor, Gaya

Lending Partners

Smart Estimator

Calculate EMI & Interest

Loan Amount

₹ 5,00,000

Tenure (Years)

5 Years

Interest Rate (% p.a.)

10.5%

Monthly EMI

₹ 10,747

Total Interest ₹ 1,44,817

Total Payment ₹ 6,44,817

Apply for Loan

Expert Insights

Common Questions
Answered.

Understanding finance shouldn't be complicated. Here are clear answers to the most frequent queries from our clients.

You need a valid Aadhaar, PAN Card, Project Report (DPR), Caste Certificate, and Rural area certificate. Education proof (8th pass) is mandatory for loans above ₹10 Lakhs.

Personal loans are disbursed within 24-48 hours. Business and PMEGP loans typically take 15-20 days subject to bank verification.

Under the CGTMSE Scheme, loans up to ₹5 Crores can be availed without collateral. Eligibility depends on turnover and CIBIL score.

We believe in 100% transparency. Our consultation fee is fixed, and bank processing fees (typically 0.5% - 1%) are deducted directly by the bank from the loan amount. There are no hidden costs.

Yes, we provide end-to-end support for Life, Health, and General Insurance. From selecting the right policy to filing and settling claims, our team guides you through every step.

Absolutely. You can upload your documents via our secure WhatsApp channel or Email. Our relationship manager will handle the bank processing remotely, so you don't have to travel.

Need Assistance?

Bridging the Gap Between Ambition & Capital.

Govt. Subsidy Experts

48-Hour Disbursal

Doorstep Service

₹50Cr+

1200+

99%

2

All Financial Solutions Under One Roof.

PMEGP Online

PMFME DPR

Business Loan

Machinery Loan

Vehicle Loan

Loan Against Prop.

Personal Loan

Home Loan

Education Loan

Credit Cards

Insurance

DPR Services

Your Journey to Financial Success.

Consultation & Docs

Bank Application

Sanction & Approval

Disbursal

Trusted by Bihar's Best Businesses.

"Approved in just 20 days!"

Rahul Kumar

"Collateral-free funding saver."

Amit Singh

"Lowest Interest Rate."

Priya Sharma

Smart Estimator

₹ 10,747

Common Questions Answered.

What documents are needed for PMEGP?

How fast is the loan approval process?

Do I need collateral for Business Loans?

Are there any hidden charges or processing fees?

Do you assist with Insurance claims?

Can I apply online without visiting the office?

Don't Let Funding Stop Your Growth.

Bridging the Gap Between
Ambition & Capital.

All Financial Solutions
Under One Roof.

Your Journey to
Financial Success.

Trusted by
Bihar's Best Businesses.

Common Questions
Answered.

Don't Let Funding
Stop Your Growth.