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By Team ProWiderKart · Updated · 5 min read
📖 Financial Glossary

Collateral Kya Hai

Secured loan me lender ke favor me pledged asset (property, gold, FD, securities).

⚡ Quick Answer

Secured loan me lender ke favor me pledged asset (property, gold, FD, securities).

Detailed Explanation

Collateral financial ecosystem ka important concept hai jo lending, payments, aur insurance industries me regularly use hota hai. Secured loan me lender ke favor me pledged asset (property, gold, FD, securities). Iska impact borrowers, merchants, aur policyholders pe direct hota hai — understanding this concept thoroughly helps in making informed financial decisions. Specific cases me detailed consultation through ProWiderKart available hai.

Practical Application

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Collateral — Complete Loan Guide

Collateral Ka Valuation Kaise Hota Hai

Property collateral: Bank empanelled valuer property assess karta hai — typically 70-75% of market value as loan amount (LTV ratio). Gold: Hallmark value — 75-85% LTV allowed. FD: 90-95% of FD value as loan. Shares/MF: 50-60% of current market value. Valuation regularly review hoti hai — agar value drop kare, bank top-up demand kar sakta hai.

Collateral vs No Collateral — Decision

Property, gold ya FD hai: Secured loan lo — dramatically lower rate. Koi asset nahi: Unsecured loan — higher rate but doable. Startup hai: CGTMSE scheme try karo — government guarantee collateral replace karta hai up to ₹5 crore. MUDRA loans: Up to ₹10 lakh — no collateral needed.

Collateral Release Process

Loan fully paid hone ke baad: Bank collateral release karta hai. Property: Original documents return hote hain — registered mortgage release certificate lo. Gold: Directly return. FD: Lien marked — payment ke baad lien release hoti hai. Timeline: Typically 7-15 working days after last EMI clearance. ProWiderKart collateral-free options bhi guide karta hai. T&C applicable.

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Collateral — Loan Ke Liye Security

Collateral woh asset hai jo aap lender ko loan ke against pledge karte ho. Agar loan default karo toh lender collateral sell karke apna paisa recover karta hai. Collateral loan mein lender ka risk kam karta hai — isliye collateral ke saath typically lower interest rate milti hai.

Collateral Types India Mein

Property (Real Estate): Sabse common — residential, commercial, industrial. Gold: Gold loan — instant, minimal paperwork. Shares/Securities: Loan Against Securities — marketable investments. Fixed Deposits: FD against loan — FD value ke 90% tak typically. Life Insurance Policy: Surrender value ke against loan. Vehicle: Car loan mein car hi collateral hoti hai.

Collateral Free Loan — Kab Milta Hai?

CGTMSE scheme ke under — up to ₹5 crore MSME ke liye. MUDRA loans — up to ₹10 lakh, no collateral. Personal loans — unsecured, no collateral but higher rate. Microfinance — group lending model. ProWiderKart collateral-free loan options bhi guide karta hai — free advisory. T&C applicable.