What is Personal Loan?

Personal loan is an unsecured credit provided by Sera Investments and Finance based on different criteria's like employment history, income level, repayment capacity.

We can always have emergencies and personal loans from traditional banks are a hassle. It takes many days and even weeks to get approved. In that time our situation may change and we may not even need funds. That's where we come in to provide instant funds for your needs.

We provide instant personal loans to meet any of your personal needs. You can use your personal loans to buy that gadget you have always wanted or fund the trip that you have planned or any other personal needs.

You can download our mobile application or sign up from our website to get started on your personal loan.

How does it work?

Register: Fill in your personal details and register yourself

Apply: Choose your loan amount, tenure and complete your KYC

Instant Approval: The application is processed within few minutes 

Loan Disbursal:  The loan amount would be transferred within minutes of approval to your shared bank account details



Benefits of Using Sera Personal Loan

Quick approval and Disbursal

Sign up, choose your loan product and get instant approval after providing us with your information.

Paperless and Simple

You can apply and provide your information online without any manual involvement. Get onto our mobile application or website and get your loan disbursed direclty into your bank accounts.

Flexible Repayments

Choose your repayment schedule and pay as per your convenience by selecting your loan tenure.

Save on Interests

Pay interest on only the amount you use and not on the approved limit.

Customized Loan Amount

Get loan offer customized to your needs

Eligibility Criteria

  • Must be a salaried Individual
  • An Indian Citizen
  • Must be in continuous employment for last 6 months 
  • Age between 18-55 years

Required Documents

  • Address Proof

    (Valid Driving License, Valid Passport, Aadhar Card)

  • ID Proof

    (Valid Driving License, PAN Card, Voter Card, Valid Passport, Aadhar Card)


What is Loan Against Securities?

Loan against securities (LAS) is a type of loan provided to customers by pledging security. The securities can be as follows:

1. Insurance Policies

2. Demat Shares

3. Mutual Fund Units

4. NABARD Bonds

5. UTI Bonds

You can pledge your security and get overdraft facility where you have to pay interest only on the amount that you use.

How does it work?

Register: Fill in your personal details and register yourself

Apply: Choose your loan amount, tenure and complete your KYC

Instant Approval: The application is processed within few minutes 

Loan Disbursal:  The loan amount would be transferred within minutes of approval to your shared bank account details

Benefits of Using Sera Personal Loan

Minimum Documents

Minimum financial documents are required to avail loan against securities.

Fully Digital Process

Complete your loan application and procedures done online and get access to online loan account.

Comprehensive list of Securities

Get your loan against securities against shares, bonds, insurance policies, mutual fund units, NABARD Bonds and UTI Bonds.

Save on Interest

Pay interest only on the amount that you use.

Eligibility Criteria

  • Indian Citizen
  • Regular Income Source
  • Minimum Age of 18

Required Documents

  • PAN Card

  • Identity Proof

  • Demat Account Statement

  • Income Proof


What is MSME Loans?

MSMEs have a hard time obtaining business loans to grow their business. There are many hurdles in obtaining loans in a traditional way which involves bank visits, longer application and approval processes.

We at Sera Investments and Finance provide business loans to help you grow your business. We offer unsecured loans to Micro, small and medium enterprises with instant application, approval and disbursal process. Get loans instantly and start working towards your dream. You can utilize your business loans to manage your inventory, working capital or buy new equipment's.

You can download our mobile application or sign up from our website to get started on your business loan.

Benefits of Using Sera Personal Loan

Quick Approval and Disbursal

Get onto our platform, choose your loan product and get instant approval after providing us with your information.

No collateral required

Get Business loans without any collateral by providing us with your business documents, information and requirements for loan.

No Hidden Costs

No any hidden costs are charged, pay only what you see for interest and processing charges.

Save on Interest

You can save on interest on your loan as you only have to pay interest on the amount that you use and not on the approved limit.

Eligibility Criteria

  • Business must be at least 6 months old
  • Business must not be blacklisted
  • Location of Business must not be in negative list
  • Business must be registered legally 

Required Documents

  • Business Registration Proof

  • Proprietor's PAN Card (in case of Proprietorship)

  • Proprietor(s) Aadhar Card

  • Business PAN Card

  • Company PAN Card