COMPANY
PROFILE
CRED MANAGEMENT
6TH FLOOR, MANGALAM FUN SQUARE, DURGA NURSARY ROAD,
UDAIPUR, RAJASTHAN-313001
EMAIL : info@finocitycredmgt.in
WEB : www.finocitycredmgt.in
CALL : +91-9773353189 WHATSAPP : +91-9773353188,
SR NO. PARTICULAR PAGE NO.
1 INTRODUCTION 3
2 OUR MISSION & VISION 4
3 CERTIFICATES 5
4 OUR PRODUCTS 8
5 OFFERED RATE OF INTEREST 10
6 PROCESSING CHARGES 11
7 DOCUMENTS CHECKLIST 13
8 BECAME AN AGENT 14
9 INFRASTRUCTURE 15
10 CONTACT US 16
Fino City Cred Management is one of India’s leading finance consultancy firms. Here we aim to
provide customized financial solutions to our clients according to their requirements. We
depend on our rich and diverse expertise, industry experience, commitment to integrity and
ethics and personalized solutions. These are the milestones that aid us in helping our clients to
solve their finances issues.
The Fino City was established with M/s. Fino City Cred Management, in June, 2020 as a sole
proprietorship concern. In November 2022, M/s. Fino City Cred Management Private Limited.
came into being, and there has been no looking back since then.
We are the strong bond between financial institutions like Banks, NBFC and business
entrepreneurs, and strive to maintain warm relations between all for best results. We are a
catalyst; we transform businesses and stay the same to provide the same services to our ever-
increasing patrons. It has been a maxim right from the start and always will be.
We understand that it is necessary to tap the needs of our
customers accurately. For that we connect with them and take
interest in their requirements on a warm, personal level and
offer them the most feasible financial services as per their
requirements.
Our mission, in simple words, is to bring about sweeping
growth and profitability of banks, clients, associates, human
capital & country. We dream of empowering business
entities/enterprises through providing quality services at
affordable prices.
With a vision to make it possible for those who dare to dream
and have the passion to succeed as keen, go-getter
entrepreneurs, Fino City Cred Management was incepted in
2020 as an endeavor intensely committed to providing
superior financing services and solution to help setup new
ventures and expand the existing businesses.
Our journey commenced with an aim to enable existing &
prospective business persons keen to start their own business
to dream big and ralize them. we have come a long way,
having created many success stories and helped many
accomplish their goals.
PERSONAL LOAN
Personal Loan is a collateral free loan based on income documents of individual or company.
Since this is an unsecured loan thus the borrowers past track records of loans & credit score
has to be good.
Who Can Get Personal Loan
Salaried Individual
Self Employed Individual
Professional Individual
NRI’s
BUSINESS LOAN
Loan given to self-employed, professionals or company without any collateral security is called
a business loan. The sanction of business loan is based largely on the creditworthiness of the
borrower and the firm, The bank or the financial institutes will first take a look at your firm’s
and your credit score and analyze your credit rating before offering loan. They will also look at
your financial statements for the past 3 years, bank statements, Nature of business, its current
and expected returns and the market trend.
Who Can Get Business Loan
Self Employed Individual
Professional Individual
Company
HOME LOAN
Home loan is a secured loan given to individuals who aspire to build or buy a house. The
property so purchased is mortgaged in the name of the lending institution as security, till the
time the loan is fully repaid.
The lending institution will hold the original property related documents till the time the loan
is fully repaid along with the interest.
Who Can Get Home Loan
Salaried Individual
Self Employed Individual
Professional Individual
NRI’s
MORTGAGE LOAN
Mortgage loan or loan against property means the borrower takes a loan which is secured
against his current residential or commercial property. The benefit of mortgage loan is that
it considers the market value of the property as on date. As such, the borrower can get
higher amounts of loan. Best is, the loan money can be used to meet financials
requirements of any kind.
Who Can Get Mortgage Loan
Salaried Individual
Self Employed Individual
Professional Individual
NRI’s
Company
PROJECT LOAN
Project Loan is provided to corporate borrowers for the purpose of capital expenditure
including setting up of new/ additional manufacturing facilities, construction etc. Project
loan is also available to acquire the fixed assets like land & building, plant & machinery etc.
Who Can Get Project Loan
A. Infrastructure Sectors
Transport and Logistics
Energy
Water and Sanitation
Communication
Social and Commercial Infrastructure
B. Non Infrastructure Sectors
Manufacturing: Cement, steel, mining, engineering, auto components, textiles, Pulp
& papers, chemical & pharmaceuticals, etc.
Services: Tourism &Hospitality, Educational Institutions, Health Industry, etc.
The Rate of Interest offered By Fino City.
SR NO. PRODUCT OFFERED RATES
1 PERSONAL LOAN 6.50% (REDUCING PER YEAR)
2 BUSINESS LOAN 6.75% (REDUCING PER YEAR)
3 HOME LOAN 5.75% (REDUCING PER YEAR)
4 MORTGAGE LOAN 6.25% (REDUCING PER YEAR)
5 PROJECT LOAN 6.00% (REDUCING PER YEAR)
6 AGRICULTURE LOAN 7.25% (REDUCING PER YEAR)
Note : Final ROI will be as per the approval by lender and or upon final sanction of Loan.
1 Lacs to 3 Lacs Loan Amount
Processing Charge : 3,150/-
Processing fee you have to pay for the file to be processed at the time of documents submission. Before this
credit team will work on your documents. If the verification report is positive then you have to pay the
processing fee’s.
**If Loan approved by our team
Security Deposit ( 5% of Loan Amount, Refundable after Successful Disbursement )
You have to deposit the security amount after loan approved. The amount will be according to your loan
approval. After the loan is disbursed, the security amount will be refunded to you.
4 Lacs to 10 Lacs Loan Amount
Processing Charge : 5,650/-
Processing fee you have to pay for the file to be processed at the time of documents submission. Before this
credit team will work on your documents. If the verification report is positive then you have to pay the
processing fee’s.
**If Loan approved by our team
Security Deposit ( 5% of Loan Amount, Refundable after Successful Disbursement )
You have to deposit the security amount after loan approved. The amount will be according to your loan
approval. After the loan is disbursed, the security amount will be refunded to you.
11 Lacs to 25 Lacs Loan Amount
Processing Charge : 11,500/-
Processing fee you have to pay for the file to be processed at the time of documents submission. Before this
credit team will work on your documents. If the verification report is positive then you have to pay the
processing fee’s.
**If Loan approved by our team
Security Deposit ( 5% of Loan Amount, Refundable after Successful Disbursement )
You have to deposit the security amount after loan approved. The amount will be according to your loan
approval. After the loan is disbursed, the security amount will be refunded to you.
26 Lacs to 50 Lacs Loan Amount
Processing Charge : 18,650/-
Processing fee you have to pay for the file to be processed at the time of documents submission. Before this
credit team will work on your documents. If the verification report is positive then you have to pay the
processing fee’s.
**If Loan approved by our team
Security Deposit ( 5% of Loan Amount, Refundable after Successful Disbursement )
You have to deposit the security amount after loan approved. The amount will be according to your loan
approval. After the loan is disbursed, the security amount will be refunded to you.
51 Lacs to 1 Crore Loan Amount
Processing Charge : 23,500/-
Processing fee you have to pay for the file to be processed at the time of documents submission. Before
this credit team will work on your documents. If the verification report is positive then you have to pay the
processing fee’s.
**If Loan approved by our team
Security Deposit ( 5% of Loan Amount, Refundable after Successful Disbursement )
You have to deposit the security amount after loan approved. The amount will be according to your loan
approval. After the loan is disbursed, the security amount will be refunded to you.
2 Crore to 10 Crore Amount
Processing Charge : 42,500/-
Processing fee you have to pay for the file to be processed at the time of documents submission. Before
this credit team will work on your documents. If the verification report is positive then you have to pay the
processing fee’s.
**If Loan approved by our team
Security Deposit ( 3% of Loan Amount, Refundable after Successful Disbursement )
You have to deposit the security amount after loan approved. The amount will be according to your loan
approval. After the loan is disbursed, the security amount will be refunded to you.
11 Crore to 100 Crore Loan Amount
Processing Charge : 1,00,000/-
Processing fee you have to pay for the file to be processed at the time of documents submission. Before
this credit team will work on your documents. If the verification report is positive then you have to pay the
processing fee’s.
**If Loan approved by our team
Security Deposit (Depend on an Approval, Refundable after Successful Disbursement )
You have to deposit the security amount after loan approved. The amount will be according to your loan
approval. After the loan is disbursed, the security amount will be refunded to you.
SUBMISSION OF DOCUMENTS VERIFIED BY CREDIT TEAM
GENERATE THE OFFER LETTER PROCESSING FEE DEPOSITION
VERIFIED BY UNDERWRITER TEAM SECURITY AMOUNT DEPOSITION
LOAN AGREEMENT SIGN FINAL DISBURSEMENT
CHECK LIST
PAN CARD (MANDATORY)
AADHAR CARD
ID PROOF (AND ANY ONE OF THE BELOW
DOCUMENTS)
VOTER CARD
DRIVING LICENSE
AADHAR CARD
ADDRESS PROOF VOTER CARD
VALID PASSPORT
LATEST UTILITY BILL
3 MONTH SALARY SLIP
(FOR SALARIED)
6 MONTH BANK STATEMENT
INCOME PROOF LATEST FORM 16 / ITR
GST
(FOR BUSINESS )
BUSINESS REGISTRATION
(FOR BUSINESS)
COPY OF COMPLETE CHAIN
PROPERTY DOCUMENTS OF THE PROPERTY
DOCUMENTS COPY OF AGREEMENT TO SALE
(FOR HOME LOAN, (PURCHASE CASE, HOME LOAN)
MORTGAGE, AND COPY OF THE ALLOTMENT LETTER/
PROJECT LOAN) BUYER AGREEMENT
The Agents are the professionals trained and are given the necessary skills that will be needed for them to
improve in the field and generate tons of leads. DSA works has always been to generate more leads to
earn more income.
What are the works done an agent?
Below is a work list that agents have to perform:
Provide banks, NBFC’s or other (FI) financial institutions with potential leads.
Perform a background check for prospective clients.
Collect, check & verify all required documents from clients.
Repeat the process; generate more leads to earn more money that will be paid to you once each
month.
What is an eligibility of agent?
If you are an Indian citizen over 18 years of age, you can join our agency and be part of this loan agency
program.
You can be a Individual working in a company/organization where you have to take care and manage work
in a certain way. In our partner program, you will be doing the same thing as you will administer and
govern agent work as per our set rules.
Documents required for the agent working program
Only criteria set by FINO CITY for any individual to become an agent is that they are an Indian citizen over
18 years of age. FINO CITY documentation process is minimal and simple so no one has any problem.
All you need to do is submit your KYC like:
Aadhar card.
PAN Card.
Cencel Cheque
Bank Account Details.
All this above Documents have to submit in advance so we can complete the verification and welcome you
like a loan agent and you can do your DSA work with FINO CITY.
What are the benefits to became an agent of FINO CITY ?
There are multiple benefits of joining the FINO CITY agent program . We aim to let people be their own
boss. Yes, you work as per your own convenience and working hours. We give you the autonomy to choose
your working preference so you are at your best. We have seen the best results when people are given the
luxury to work as they wish!
Next, when you join hands with us, you not only become part of a huge brand in India but also get their
network. Customers all over India will recognize you through us and that will help in generating leads. As
for agent training, you will receive it from our best managers that have more than 2 decades of experience
in lead generation.
There are many benefits associated with becoming an agent with FINO CITY.
You are the boss
3 % commission on every disbursement.
Working with an established brand like Fino City.
Setting up your business at no cost.
Growth and Remuneration.
CRED MANAGEMENT
6TH FLOOR, MANGALAM FUN SQUARE, DURGA NURSARY ROAD,
UDAIPUR, RAJASTHAN-313001
EMAIL : info@finocitycredmgt.in
WEB : www.finocitycredmgt.in
CALL : +91-9773353189 WHATSAPP : +91-9773353188,
