Services Government Schemes Document Required Tools Bank Contact us
Your Trusted Financial Partner

Your dream
deserves real
capital behind it.

We strip away the confusion to provide fast, reliable financing with competitive interest rates and flexible repayments. Whether you are a seasoned investor or a first-time user applying for an MSME loan, our expert team provides complete, step-by-step guidance.

Apply Now → Check Eligibility
Active Loan Portfolio
Approved
₹18,50,000
Home Loan · SBI · 8.4% p.a.
Disbursement72%
Home Loan
20 yr · ₹14,900/mo EMI
Active
Business Loan
3 yr · ₹8,200/mo EMI
Processing
🎉 Approved in 36 hours
📊 4,200+ Clients
✓ Zero Hidden Charges
What We Offer

Loans built for every
chapter of your life.

Whether you're starting out or scaling up — we match the right financial product to your exact need.

↗

Startup Business Loans

Seed capital with no complicated collateral for MSME-registered startups.

  • ₹1L to ₹50L, no collateral
  • Flexible repayment 12–60 months
  • Bank-neutral rates
↗

Business Expansion Loans

Scale with expansion capital — branches, machinery, or working capital.

  • Loans up to ₹5 Crore
  • Overdraft & term loan options
  • Rates from 10.5%
↗

Home Loans

Best deals from 20+ top banks. Doorstep document collection.

  • ₹10L to ₹5Cr, up to 30 years
  • Rates from 8.25%
  • Balance transfer & top-up
↗

Personal Loans

Medical, weddings, travel, education — approval in 24–48 hours.

  • ₹50K to ₹40L, no collateral
  • 100% online process
  • No prepayment penalty options
↗

New Car Loans

We compare offers from 15+ lenders to get you the best rate.

  • Up to 100% on-road financing
  • Rates from 7.9% p.a.
  • 1 to 7 year tenures
↗

Loan Against Property

Leverage your asset smartly at lower interest rates.

  • Up to 70% of property value
  • ₹10L to ₹10 Crore
  • From 9.5% — better than personal loans
Government-Backed Benefits

Untapped Funds

Get government subsidies easily and save lakhs.

Tamil Nadu

NEEDS

New Entrepreneur-cum-Enterprise Development Scheme

  • First-gen entrepreneurs, age 21–45 (up to 55 for Women/BC/MBC/SC/ST/Ex-servicemen/Transgenders/Differently abled)
  • Qualification: +2 / Degree / Diploma / ITI / Vocational Training
  • Manufacturing or Service projects from ₹10L up to ₹5 Crore
  • 25% capital subsidy (max ₹75L) + 3% interest subvention
  • Promoter contribution: 10% (General) / 5% (Special)
💡 Tip: Loan via TIIC / Commercial Banks / TAICO Bank with interest subvention through the full repayment period.
Tamil Nadu

UYEGP

Unemployed Youth Employment Generation Programme

  • Age 18–45 (up to 55 for Women/Minorities/BC/MBC/SC/ST/Ex-servicemen/Transgenders/Differently abled)
  • Minimum 8th pass; family income below ₹8L
  • Trading / Business projects up to ₹15L
  • 25% capital subsidy (max ₹3.75L)
  • Promoter contribution: 10% (General) / 5% (Special)
💡 Tip: Designed to mitigate unemployment among socially and economically weaker sections.
Tamil Nadu

AABCS

Adi Dravidar & Adivasi Business Capital Subsidy

  • 100% SC/ST-owned enterprises, age up to 55, no minimum qualification
  • 35% capital subsidy (not exceeding ₹1.5 Crore) on eligible project cost
  • 6% interest subvention on machinery loans (up to 10 years)
  • Working capital interest subvention for up to 2 years
  • Covers new units, expansions & trading projects above UYEGP threshold
💡 Tip: Subsidy is upfront to banks; non-credit-linked projects get back-ended subsidy. Additional subsidies from non-TN-Govt schemes allowed.
Tamil Nadu

TWEES

Tamil Nadu Women / Transgender Entrepreneurs Empowerment Scheme

  • Women & Transgender entrepreneurs, age 18–55
  • Tamil Nadu domicile required; no minimum qualification
  • Manufacturing / Trading / Service projects up to ₹10L
  • 25% capital subsidy (max ₹2L)
  • Promoter contribution: just 5% for all categories
💡 Tip: No income ceiling. KKT women beneficiaries can top-up under this scheme for expansion.
Tamil Nadu

MEGP

Migrant Entrepreneurship Generation Programme (Non-Resident Tamils)

  • Welfare scheme for Tamils who returned due to COVID-19
  • Age 18–45 (up to 55 for Special categories)
  • Minimum 8th pass; family income below ₹5L
  • Mfg ₹15L / Trading ₹5L / Service ₹5L
  • 25% capital subsidy (max ₹2.5L) via Commercial Banks
💡 Tip: A second-chance scheme to help returning migrants rebuild in Tamil Nadu.
Central Govt

PMEGP

Prime Minister's Employment Generation Programme

  • Individuals above 18 years of age
  • VIII Std required for projects above ₹10L (mfg) or ₹5L (service)
  • General: 15% subsidy (Urban) / 25% (Rural); own contribution 10%
  • Special (SC/ST/OBC/Minorities/Women/Ex-Servicemen/PH/NER/Hill & Border): 25% (Urban) / 35% (Rural); own contribution 5%
💡 Tip: The flagship national scheme — higher subsidy rates in rural areas and for special category beneficiaries.
Tamil Nadu

TAHDCO

Tamil Nadu Adi Dravidar Housing & Development Corporation

  • For SC, ST & SC converted to Christianity in Tamil Nadu
  • Age 18–65 (entrepreneurship) / 18–45 (youth schemes like SEPY)
  • Annual family income below ₹3L typically required
  • Up to 50% subsidy (max ₹5.5L) for STs in agriculture, small industries & transport
  • Covers Entrepreneur Dev, SEPY, SHG credit, land purchase & medical startups
💡 Tip: Established 1974, TAHDCO bridges banks & beneficiaries — includes skill training in hardware, retail, fashion & solar servicing.
Central Govt

PMFME

PM Formalisation of Micro Food Processing Enterprises

  • For unorganised micro food processing units (less than 10 workers)
  • Applicant age 18+, minimum VIII standard education
  • 35% credit-linked capital subsidy, ceiling ₹10L per unit
  • SHG seed capital ₹40,000 per member; up to 50% branding & marketing grant
  • Common infrastructure subsidy up to ₹3 Crore (storage, processing, labs)
💡 Tip: Launched under Atmanirbhar Bharat — uses One District One Product (ODOP) approach. Scheme operational till 2025–26.

Not sure which scheme fits?

Our experts will identify which government benefits you qualify for — completely free.

Check Eligibility →
Smart Financial Tools

Know your numbers
before you apply.

Calculate your EMI and prepare your documents — all in one place. Want to know if you qualify? Talk to us →

EMI Calculator

See your monthly repayment instantly before committing to any loan.

Estimated Monthly EMI

Document Checklist

Check off documents as you collect them. Never miss anything on loan day.

📋 Common (All Loans)

💼 Salaried Applicants

🏢 Business / Self-Employed

🏠 Home Loan / LAP Additional

Why Altus Capital

We don't just process loans.
We build futures.

Here's why our clients keep coming back — and refer their families to us.

Doorstep Service

Document collection, form filling, bank coordination — all at your home or office. You don't chase banks. We do.

Fast Approvals

Pre-approved relationships with 20+ banks. Most clients get approval within 48 hours.

₹

Low Processing Fees

We negotiate on your behalf. Many clients save ₹10,000–₹50,000 in fees before even comparing rates.

Zero Fine Print Surprises

We read every clause before you sign. Prepayment charges, foreclosure terms, insurance traps — explained clearly.

Personalized Solutions

We understand your income, goals, and credit profile — then match you with the loan structure that serves your future.

Post-Disbursement Support

Available for EMI queries, top-up guidance, balance transfers — our relationship doesn't end at disbursement.

The right financial partner doesn't just find you a loan — they help you build the life you actually want.

The Altus Capital Promise
Real Stories

People just like you,
building what's next.

★★★★★

Applied with three banks on my own, got rejected twice. Altus fixed exactly what was weak and got me approved by HDFC in just 4 days. My family has a home now.

R
Rajesh Murugesan
IT Professional, Chennai · Home Loan ₹42L
★★★★★

The team came to my shop, understood my business, helped me get an MSME expansion loan plus a government subsidy I'd never heard of. Saved over ₹3 lakhs.

P
Priya Soundararajan
Business Owner, Coimbatore · Business Loan ₹12L
★★★★★

As a first-gen entrepreneur I was scared of banks. Altus explained everything, helped me qualify under UYEGP, and got my startup sanctioned in two weeks. Now I run a 12-person unit.

K
Karthik Balasubramanian
Startup Founder, Tiruppur · UYEGP + Startup Loan
Got Questions?

Frequently Asked
Questions

Everything you've wondered about loans, eligibility, and working with us — answered plainly.

Banks show you only their own products. We compare offers across 20+ banks and NBFCs to find the lowest rate, best tenure, and lowest processing fee for your specific profile — saving you both time and money. Most clients save ₹10,000–₹50,000 in fees alone.
The initial consultation is completely free. Our service fee, if any, is only charged after your loan is successfully sanctioned — so you pay nothing unless we deliver. We are transparent about this upfront.
Most banks require a CIBIL score of 700+ for the best rates. However, we work with lenders who approve scores as low as 650 for specific products. If your score needs improvement, our team will guide you on the fastest path to get there — often within 3–6 months.
Most clients receive in-principle approval within 24–48 hours. Full disbursement typically happens within 5–7 working days for personal and business loans, and 10–15 days for home loans depending on property verification.
Absolutely. We specialize in self-employed and business loan profiles. You'll need ITR for the last 2 years, bank statements, and business registration proof. We work with lenders who understand irregular income patterns and help structure your application for the best outcome.
Yes — this is one of our core strengths. Many applicants qualify for subsidies worth ₹3–15 lakhs and don't even know it. We identify your eligibility, handle the documentation, and coordinate with relevant government departments so you don't have to navigate the bureaucracy alone.
We stay with you. Post-disbursement support covers EMI queries, balance transfer guidance if rates drop, top-up loan options, and any bank communication you need help with. Our relationship doesn't end when the money hits your account.
Take the First Step

Your next chapter starts
with one conversation.

Whether you're ready to apply or still figuring things out — talk to us. No pressure. No jargon. Just honest guidance.

📞 +91 81222 73731 Apply Online →
No commitment required
Free initial consultation
Response within 2 hours
Doorstep service available
Our Banking Partners

Trusted by India's
leading institutions.

We work directly with top public and private sector banks to secure you the best possible rates and terms.

Bank of India
Public Sector
Bank of Baroda
Public Sector
Indian Overseas Bank
Public Sector
IDFC FIRST Bank
Private Sector
IDBI Bank
Public Sector

+ 15 more lending partners across NBFCs, housing finance & private banks.