Unlike a standard term loan with fixed EMIs, we architect a flexible overdraft (OD) facility. This allows you to access liquidity on an "as-needed" basis, where interest is charged only on the amount utilized. Most importantly, it ensures wealth preservation, as your underlying Shares, Mutual Funds, and Bonds remain invested in the market, allowing you to benefit from potential capital appreciation while accessing immediate funds.

We specialize in syndicating high-value limits against a wide range of approved financial assets. This primarily includes Equity Shares (A-group/Top-tier), Debt and Equity Mutual Funds, and Corporate or Government Bonds. During our initial strategic consultation, we evaluate your specific portfolio to determine the optimal Loan-to-Value (LTV) ratio and ensure the most competitive Repo-linked rates available in the institutional market.

At Terkar Capital, we apply an asset-centric underwriting approach. While we do review your bureau or CIBIL profile, we apply only a moderate weightage to traditional credit scores. Our primary focus is the intrinsic value and quality of your securities portfolio. This allows us to architect liquidity solutions for established investors and enterprises that may not fit the rigid criteria of conventional banking channels.