ABOUT THE COMPANY

Gencorp advisory India Pvt Ltd introduces it's online platform...Loansmandi.com

WHAT WE DO
GAIPL is a Financial Services Distributor having more than two decades of experience and
expertise to bring unmatched value to prospect customers. We assist businesses and individual in
full filling their financial requirement by providing entire spectrum of financial products and
services. We are Distribution Partners for all with leading Banks/NBFC/ Housing Finance and
Insurance companies.
Our Strengths:

Ability to leverage relationships

o Strong Pan India network coupled with deep seated relationships
with banks, NBFCs & Insurance Co provides a strong delivery
platform and ability to close complex deals for secured &
unsecured loan requirements.

One stop shop

o Product Range : Auto loans-New/Used/Refinance/Top-Up,
Secured-LAP/HL/Lease Rental Discounting, Unsecured-BIL /
Personal Loan-Salaried & Self Employed, Bank Overdraft Limits( CC/OD-PSU &Pvt Banks) , Institutional Funding Tie-Up /
Insurance Products(Life/Non-Life)

Strong delivery capability

o Sound understanding of financial sector basiswhich rightproduct
from right institution is offered to client
o Experienced, well-grounded team who understand customer
service and customer expectation. Transparency and client
centric work culture is part of our DNA.

Operational expertise
o Delivering exceptional services by combining innovation, product
knowledge and backed by strong loan processing capabilities.

o End to End ERP developed for seamless execution and fast flow
of information to banks ,clients and channel partners
WHY Us?

Right Product at Right Price

o We advise and deliver the most appropriate product at the most
competitive price.
o We bring you best deals and discounts, from our partners.

One Stop Shop, Save Time

o We bring multiple Lenders at one place so you dont have to
speak to several financiers or search multiple websites to find
the right product
o We will handle your financial need end to end, from
understanding, documentation, processing and final delivery of
the product in the most professional manner.

Transparency And Privacy

o Based on the documents submitted, we evaluates and process
your loan requirement with banks and NBFCs that are best suited
to lend money to you for your financial needs.
o Your personal information will only be used for loan processing
purpose and will be kept with utmost security.

OUR VISION

To be Indias most recognized Financial Distribution Company.

To become largest Financial Distributor and provide one stop solution

for all Financial Needs.

OUR MISSION

We believe in bringing value addition to our customers and employees

and creating a benchmark by adhering to quality ,honesty,
transparency and value for money.

OUR VALUES
Client Centric -- provides solutions which are best suited to clients long term Interests
Collective Experience & Superior Access -- GAIPLs Team brings decades of valuable
experience across Banking, Education ,Real Estate Sectors and People Outsourcing Sector.
Coupled with a strong institutional network , it gives the team access to opportunities well before
it hits the market.
Value Delivery -- GAIPLs single minded focused would be to unlock value of the Clients
business and financial requirement.
Dedication -- team has an un-relenting desire to improve, learn and implement .We are
committed to delivering consistent long term service at the highest industry standards.

Team Members Of The Company

TARUN KHARBANDA
Tarun is an astute professional with nearly 20 years of experience in Sales, Marketing, Business
Development and Client Management in Financial Service Industry. Tarun is a graduate from
Delhi University. Tarun excels in formulating and effectuating strategies, driving teams to ensure
result and on building strategic tie ups. Tarun started his career with Trans Continental Finance
Ltd and after a successful stint as salaried professional for 4 years, he ventured out as an
entrepreneur to build one of the largest financial services distribution company in India.

SONIK JULKA
A result oriented proactive and hard working entrepreneur with strong determination to drive
results. His core competencies include creating strategies that underlies sales techniques,
business communication and business development. Sonik is a Post Graduate in Commerce from
Delhi University with a degree in business finance. Soniks has total work experience of 20 years
as an entrepreneur and has successfully build one of the largest brand in Automobile sector in
Delhi NCR. He started his career with Onida Finance Ltd and then went on to build GENCORP
INC which is a market leaders in Financial Services in Delhi NCR.

OP Mishra
OP has over 12 years of extensive experience in Marketing & Sales Management. He has been
setting up Channels with hands down experience of execution & management of Technology
training centers across India. He has rich experience in Business Consultancy Services in Govt.

Enterprise and Academics, Sales & Marketing, Key Account Management, and Team
Management in the IT/ITES industries. He is a proactive planner & strategist with expertise in
managing Govt. Education and skill development Projects, setting up training centers,
Certification, and Academic Businesses. He has been part of companies like HCL, KarROX,
IIHT, & STG.

Ankush Sharma
Ankush, Law Graduate& CA Final, is a proactive and result oriented Finance professional with
legal backup. He has executed multiple projects efficiently under given budgets and Time frame.
He has a thorough knowledge of financial policies, principles & procedures and statutory
enactments. Ankush is deft at interacting with multiple levels of organization, management &
staff from different locations. He has experience of different working conditions and different
work cultures, across different clients, different Industries. Ankush has a strong analytical,
problem solving & organizational abilities.

PRODUCTS OFFERED BY THE COMPANY

BUSINESS LOAN

CAR LOAN

LOAN AGAINST PROPERTY

PERSONAL LOAN

HOME LOAN

BANK OVERDRAFT

INSURANCE

1. BUSINESS LOAN
Business loans are unsecured income-based loans for self-employed individuals or companies.

Unsecured business loans have no requirement for a security or collateral to be submitted and
are offered on the current financial strength and past credit record of the borrower.
Such loans can extend from Rs 1 lakh to 1 crore and have a repayment period of 1-5 years.
They are suited for companies looking at funds for capital expenditure, infrastructure /
business development, business expansion or to fund any small to medium term enterprise.
They are not as flexible as overdrafts and other credit lines which usually support day-to-day
working capital requirements but are easy to avail with simple paper work and fast processing
and the borrower does not need to lock in any asset or security as collateral. Business loans
are usually costlier than other forms of secured business finance.

Eligibility calculation for a Business Loan

Your eligibility is determined after looking at the following:
Last 2-3 years business financials
Years in business and current level of business activity
Nature of the industry the business operates in and how that industry has fared in recent times
The current level of obligations of the company i.e. the other Installments (EMIs) , credit limits
and other types of finance the company may have
The company's past credit history.

Feature of a Business Loan

Business Loan does not require any collateral and the facility is availed by self employed
business entities including Proprietorship/ Partnerships/Pvt Ltd Co & Non Listed Co.
You can avail an unsecured Business Loan up to Rs. 100 Lacs from multiple Financiers.
Tenure for these loans range from 12 months to 48 months.
Business Loan rate of interest in always fixed.
You can repay through either Post Dated Cheques or ECS

2. CAR LOAN
There are two types of CAR LOAN
a. Old Car Loan
b. New Car Loan
a. OLD CAR LOAN
A Used car loan is a finance option that allows the potential customer to raise finance by
taking loan against a car that he owns or intents to buy. pay the vehicle off in monthly
payments instead of having to pay the full price all at once. Used Car loan is secured
against hypothecation of the vehicle and this product is available for salaried and selfemployed individuals, proprietorships, HUF, Partnership firms, Limited Liability
Partnership Firms, Trusts, Societies and Companies. Following product options are
available Under Used Car Finance:

Sale purchase of used car

This option is availed by customers who intend to buy a pre owned car. Bank/NBFC will finance
basis market valuation and year of manufacture of the car.
Refinance of used car
This loan is availed by pledging your existing car which is free from any loan / hypothecation.
Top Up of Existing Car Loan
Under this option loan is available basis your existing loan repayment track with your car as a
collateral. Options of a parallel loan or toping up your existing loan is available.
Balance Transfer of existing car loan
Its a takeover of your existing car loan from Bank/ NBFC where the foreclosure amount is lesser
than new loan that is being sanctioned on the asset. By availing this product you generate
additional cash for your financial requirement.

Eligibility calculation for a Car Loan

FOR SALARIED CUSTOMERS
Be employed by the same employer for at least two years.
Be at least 21-years-old at the beginning of the car loan tenure and under 60-years-old or
retirement age, whichever is lower, at the end of the loan tenure.
Have residential stability for at least one year.

FOR SELF-EMPLOYED CUSTOMERS

Have been in the same business for at least two years.
Be at least 21-years-old at the beginning of the loan tenure and under 67-years-old at the end of
the loan tenure.
Have residential stability for at least one year

DOCUMENTATION REQUIRED
FOR SALARIED CUSTOMERS
Your KYC documents (identification, proof of address, signature, DOB proof),
One-year residence stability proof
Any one of the following:
o Form 16 for the last two years and the last months pay slip.
o Last three months pay slips with proof of employment in the same
organization for two
years.
o Salary certificate with corresponding credits in your bank account.
FOR SELF-EMPLOYED CUSTOMERS
Your KYC documents (identification, proof of address, signature, DOB proof)
One-year residence stability proof
IT returns from the last two years along with computation of Income
Bank Statement for three to six months.
b. NEW CAR LOAN
A car loan is a finance option that allows the potential buyer to pay the vehicle off in
monthly payments instead of having to pay the full price all at once. The lender will pay
off the car in full, while in return the borrower pays off the debt in monthly payments
with an interest fee. Car loan is secured against hypothecation of the vehicle. Auto loans
are available for salaried and self-employed individuals, proprietorships, HUF,
Partnership firms, Limited Liability Partnership Firms, Trusts, Societies and Companies.

Eligibility calculation for a Car Loan

FOR SALARIED CUSTOMERS

Be employed by the same employer for at least two years.
Be at least 21-years-old at the beginning of the car loan tenure and under
60-years-old or
retirement age, whichever is lower, at the end of the loan tenure.
Have residential stability for at least one year.
FOR SELF-EMPLOYED CUSTOMERS
Have been in the same business for at least two years.
Be at least 21-years-old at the beginning of the loan tenure and under 67years-old at the end
of the loan tenure.
Have residential stability for at least one year
DOCUMENTATION REQUIRED
FOR SALARIED CUSTOMERS
Your KYC documents (identification, proof of address, signature, DOB proof),
One-year residence stability proof
Any one of the following:
o Form 16 for the last two years and the last months pay slip.
o Last three months pay slips with proof of employment in the same
organization for two
years.
o Salary certificate with corresponding credits in your bank account.
FOR SELF-EMPLOYED CUSTOMERS
Your KYC documents (identification, proof of address, signature, DOB proof)
One-year residence stability proof
IT returns from the last two years along with computation of Income
Bank Statement for three to six months.

Features:
Loan up to 90% of the market valuation of the car

3.

Loan tenure up to 10 years of vintage of the car.

Rate of interest in the range of 14% to 16%.

Fast processing and simple documentation.

You can prepay the loan any time after 6 months of taking the loan with a prepayment
fee on the outstanding loan amount.

Tenure options depend upon the year of manufacture of the car. At the time of loan
completion the car should not be older than 10 years.

No Security is needed.

Your vehicle itself is used as collateral and will be hypothecated for the loan period.

You cannot enter a transaction with any seller without a 'No Objection Certificate'
(NOC) . The NOC can only be obtained after foreclosure or after you have paid off
your loan.

LOAN AGAINST PROPERTY

LAP are a easy means to access funds at interest rates which are lower than unsecured loans
.To avail LAP, you offer an existing property as a security or collateral against which the
lender( Bank/ NBFC/ Housing Finance Co) gives you a loan. The current market value of the
property determines what loan you can avail against the property. LAP allow property owners
to leverage the value of their existing properties to raise funds.
Loans against property may be availed on:
Residential properties
Commercial Properties
Industrial properties
Plots
Pricing for LAP is higher than Home loans but cheaper than personal or other unsecured
loans.
Most institutions lend upto 80% of the value of the property, provided the borrower can
demonstrate the ability to pay the installment for such a loan.

Eligibility calculation for Loan Against Property

Your eligibility is determined after looking at the following:
1. The current market value of your property and its current status.
2. Your current Income
3. The nature and continuity of your employment
4. Your current obligations i.e. the other Installments ( EMIs) you are currently paying, the
number of credit cards and credit limits you have or use
5. Your past credit history
6. The purpose of availing such loans is also discussed with the lender and may have a bearing
on the loan sanction.
To be eligible for loans against property, applicants must be
Indian Residents
Salaried, Self-Employed or Government Employed individuals
At least 25 years of age but not more than 65 years
Earning at least Rs. 3,00,000 5,00,000 of net income

Property Criteria Self-occupied commercial property

Rented commercial property
Vacant commercial property
Self-occupied residential property
Rented residential property
Vacant residential property

FEATURES

Loan against Property is often taken in the form of a term loan (repaid through EMIs) or
through an overdraft line of credit.
Lower interest rates
Higher Loan Amounts
Longer tenor of loan, making the repayment process easier for businesses
Loan against Property is often taken in the form of a term loan (repaid through EMIs) or
through an overdraft line of credit.
The interest rates for loan against property commonly range from 12%-15%.
A loan against property usually has a maximum tenor of 15 years.

4. BANK OVERDRAFT
A Bank Overdraft is a Loan arrangement under which a bank extends credit up to a certain
amount (called overdraft limit) against which a current account customer can write checks or
make withdrawals. This is most common form of business borrowing, an overdraft is a type of
revolving loan where deposits (credits) are available for re-borrowing, and interest is charged
only on the daily overdraft (debit) balance. It is, however, also a demand loanand is secured
by an asset or property. Security over an immovable property may be created in favour of the
bank by deposit of title deeds with the bank (E.M- Equitable Mortgage) or by execution of
registered deed of mortgage. An overdraft is approved only for a fixed period (usually one
year) after which it is must be renegotiated.
Procedure Before granting Loans:
Before granting the loan the bank officials/Manager will inspect the security for the loans and
they will ascertain the Value of the property.
The branch also obtain legal opinion from the Bank's Legal advisor, for scrutiny of the loan
the legal advisor needs the Encumbrance certificate for the last 13 Years and latest tax receipt
is also must.
The valuation of the property done by bank's approved Engineer.
Documents needed for the Overdraft:
Application
Demand promissory note
List of title deeds (Memorandum of deposit of title deeds )
Letter of intimation
Acknowledgement of having deposited title deeds
Stamped letter of continuity.
Stamped partnership letter / Memorandum/articles of association (if applicable)
Registration of charges in case of limited Companies.

5. PERSONAL LOAN
Personal loan is an unsecured loans given to individuals on the basis of their profile/ income/
employment and years of work experience . Personal loan do not require the borrower to give
any kind of security or collateral. Personal loans are costlier given that the bank has no

security, however it is the product- of-choice when funds are required urgently or the
borrower has no other security to offer the bank.
Eligibility calculation for a Personal Loan
Eligibility is determined basis:
Your current income
Years of work experience
Nature of your job and the company you work for
Your current obligations i.e. the other Installments (EMIs) you are currently paying, the number
of credit cards and credit limits you have or use
Your past credit history is likely the most important determinant in being able to get a personal
loan.

6. HOME LOAN
Home Loan is a loan where the consumer borrows money from a lender(Bank/
NBFC/Housing Finance Co) to purchase a residential property and offers the same property to
the lender as a security.
Home Loans may be used to do any of the following:
1. Purchase a property within a residential development which is currently under-construction
2. Purchase a ready property, typically from a builder or its current owner
3. Purchase a plot --in a private development OR from a current owner Or from a government
development authority
4. Finance the construction of your house on a plot you already own
5. Purchase a Plot as well as finance the construction of your home on it.

Most institutions lend upto 80% of the value of the property as a Home loan, provided the
borrower can demonstrate the ability to pay the installment for such a loan.
Eligibility calculation for a Home Loan
Your eligibility is determined after looking at the following:
Your current Income
The nature and continuity of your employment
Your current obligations i.e. the other Installments ( EMIs) you are currently paying, the

number of credit cards and credit limits you have or use,

Your past credit history
The lending bank or institution will also consider which property you are buying. In the
event it is a property under construction by a developer, the credibility of the developer and
past performance on their projects will also determine how much the lender is willing to
lend against such a property.
Co-applicant to a loan allows income clubbing to get a higher eligibility on your home loan.

7. INSURANCE

A. Motor Vehicle Car & Two Wheeler Insurance

Motor insurance covers your asset against losses that you may arise in case your vejicle gets
damaged or stolen. The premium amount of your motor insurance is decided on the basis of
Insured Declared Value or IDV of the vehicle. If you increase the IDV, the premium rises and if
you lower it, the premium reduces.
Benefits of Motor Insurance
Car insurance plan offers following benefits:
Coverage against loss or damage to the insured vehicle.
Coverage against loss or damage to your vehicle caused by accident, theft, fire, explosion, self
ignition, lightning, riots, strikes or act of terrorism, natural calamities.
Coverage against financial liability caused by injury/death of a third party or damage to the
property.
Personal accident cover.
Coverage under Car Insurance
There are primarily 3 types of car insurance Third Party Liability Coverage
Third Party motor insurance provides cover against any legal liability to a third party caused
when you are at-fault driver. It covers damage/injury caused by you to another person/property.

A Third Party Liability cover is legally mandatory in India under the Motor Vehicles Act.
Collision Coverage
Collision coverage protects the insured financially against damage of their own vehicle. It
pays the insured for damage caused by collision which is usually an accident. Damage or loss
due to theft or vandalism is not included in collision coverage.
Comprehensive Coverage
A comprehensive coverage is extensive and includes damage of vehicle, theft of vehicle, third
party legal liability and personal accident cover. The policy coverage can be further extended
by opting for add-ons like accessories cover, engine protector, zero depreciation cover, medical
expenses, etc. This type of coverage is the most popular as it offers end-to-end coverage and
thus less stress for the policyholder.
No Claim Bonus
For every claim free year, the insured is rewarded with discount on the renewal premium. This
discount is called - No Claim Bonus (NCB). It is cumulative and increases every year. It
usually ranges from 10% to 50% and can save a substantial amount of money on your
premium.
What is not covered in Car Insurance?
Following features are usually not covered in motor insurance:
Loss or damage if a policy is not in force.
Gradual wear and tear of car and its parts.
Loss or damage to vehicle when driven by person without a valid driving license.
Loss or damage to vehicle as a result of intoxication due to drugs, alcohol etc.
Loss or damage to engine as a result of oil leakage.
Loss or damage to vehicle as a result of abuse of manufacturer's guidelines.
Eligibility/Documentation Required for motor Insurance
Getting a vehicle insured requires minimal documentation. For a new policy, you must submit
the filled up proposal form and copy of the Registration Certificate (RC). For renewals, you will
need copy of the RC (Registration Certificate) along with the copy of previous insurance policy.
Carefully fill in your complete details. This is an important step and will save you a lot of hassle
during claim time.
B. Travel Insurance
A travel insurance plan will take care of any unforeseen situation during transit.
Situations like loss or theft of baggage, delay of flights leading to financial loss, loss of

passport and other important documents and medical emergency are quite common. The
best way to ensure that we can manage such an expected situation is to buy a travel
insurance plan.
Types of Travel Insurance Coverage:
Domestic travel insurance
International travel insurance
Corporate travel insurance
Student travel insurance
Senior citizen travel insurance
Family travel insurance
Individual travel insurance
Key Features of Travel Insurance
Online travel insurance is all about providing travelers an ideal cover against
emergency/unforeseen situations right at the comfort of home. There are certain key
features which one should look out for while zeroing on a plan.
Travel medical insurance covers for in/out patient hospitalization along with daily
allowance.
Personal accident cover in case of permanent disability/death.
Coverage for contingencies related to personal possession.
Coverage for loss of baggage and passport.
Coverage for expenses related to trip delays.
Benefits of Travel Insurance
The usual qualms of frequent travelers include lost passports, stolen bags, trip delay and
cancelled flights. Such mishaps can derail perfectly laid out plans instantly. Do not let
inevitable events ruin the entire getaway. Travel insurance is your friend in need when
emergencies strike, whether in your native country or in unknown territories. n a foreign
land. Get enough compensation to return home or cover untimely expenses as and when
they occur!
Exclusions
There are some common exclusions to a travel insurance cover such as:
Flights/trains missed due to local protests/civil war.
Expenses incurred due to local protests/civil unrest.
Pre-existing conditions leading to hospitalization.
Baggage delay that is less than 24 hours.
Damage/loss of keys.

C. Health Insurance
Health insurance is of utmost importance in India as it ranks very low
on human life index. Every person should buy a good health plan that
covers medical costs, hospitalization costs, treatment and laboratory
test costs and even critical illness.
Types of Health Policies
Individual Health Plan
Family Floater Mediclaim
Surgery & Critical Illness Policy
Pre-Existing Disease Cover
Senior Citizen Health Plan
Preventive Healthcare
D. Life Insurance
Life insurance policy provides you with the assurance that your family will get financial security
and support even when you are not around. The goal of the life insurance policy is to offer a
measure of financial security to the family after your death.
Life insurance is an agreement between you (the insured) and the life insurance company (the
insurer). Under the terms of the policy, the insurer promises to pay a certain sum to the person
(your beneficiary) upon your death, in exchange of premium payments.
Types of Life Insurance
Below are the basic types of life insurance policies. All other insurance policies are built around
these insurance policies.
Term Insurance:
Whole Life insurance:
Endowment Policy:
Money Back Insurance Policy:
Unit Linked Insurance Plans:
Retirement Plans:
Savings and Investment Plans:
Child Insurance Policy: