Other Loan & Credit Facilities
Cognizant Consulting Partners
Machinery Loan
Machinery Loans enable businesses to acquire, upgrade, or refinance equipment without disrupting working capital, ensuring operational continuity and growth scalability.
Key Features
- Loan amount: INR 5 Lakhs to INR 5 Crores
- Up to 100% of equipment cost
- ROI starting from 12% onwards*
- Tenure: 12–60 months
- No additional collateral (select programs)
- Fast digital processing & quick disbursal
- Rural & semi-urban coverage
- Customized repayment and flexible foreclosure options
Eligibility (Indicative)
Age: 21–65 years, Credit score: 650+, Business vintage: Minimum 3 years
Machinery Categories Covered
Medical, manufacturing, construction, farm, aviation equipment, used machinery, and loan against machinery.
Documentation (Indicative)
KYC, last 3 years ITR, proforma invoice, business proof, 6 months bank statements.
Cognizant Consulting Partners
Education Loan
CCP assists students and families in accessing structured education financing for studies in India and abroad, ensuring regulatory compliance and optimal funding alignment.
Key Features
- Pre-admission sanction
- Moratorium period
- Long repayment tenure
- Tax benefit under Section 80E
- Collateral & non-collateral options
Eligibility
Confirmed admission, eligible institution/course, academic merit, co-borrower support, and sound credit profile of co-applicant.
Documentation
Student KYC & academics, admission letter, cost of study details, co-applicant income proof, bank statements.
Cognizant Consulting Partners
Gold Loan
Gold Loans provide quick liquidity through secured lending against gold assets with streamlined processing and minimal documentation.
Key Features
- Secured facility
- Instant processing
- Competitive interest rates
- Flexible repayment options
- No end-use restriction
Eligibility
Age 18+, ownership of gold, purity as per lender norms.
Documentation
KYC, address proof, supporting income / residence documents as required by lender.
Cognizant Consulting Partners
Solar Panel Loan
Solar Panel Loans support businesses and institutions in transitioning to renewable energy through structured EMI-based financing aligned with energy savings models.
Key Features
- Tenure: 12–84 months
- Loan amount: INR 60 Lakhs to INR 3 Crores
- No additional collateral (select programs)
- EMIs potentially lower than power costs
- Interest rates from 7.99% onwards*
- Covers panels and ancillary systems
Eligibility Programs
Average Bank Balance Model, GST Turnover Program, Energy Savings Model.
Documentation
Company KYC (GST, Udyam, utility bills), applicant KYC, 1-year bank statements, 2-year ITR.
Cognizant Consulting Partners
Credit Card
CCP provides independent advisory for selecting and structuring credit card facilities aligned with spending behaviour, income profile, and credit objectives.
Key Features
- Interest-free credit period
- Cashback & rewards programs
- Structured credit limits
- Transaction tracking
- Lifestyle & travel benefits
Card Categories
Shopping, Lifestyle, Rewards, Travel, Fuel, Cashback, Business, Secured Cards.
Eligibility
Age 18+, minimum income threshold, good credit score, Indian residency.
Documentation
PAN, Aadhaar, address proof, salary slips / ITR, bank statements.
*Rates, tenure, and funding norms are indicative and subject to lender policies and regulatory guidelines.