A little clarity
before you begin.

• Multi-Lender Access
• Experienced Financial Advisory
• Solutions Beyond Standard Loans
• Tailored Funding Solutions
• End-to-End Coordination
• Large-Ticket & Complex Funding Expertise
• Faster & More Structured Process
• Transparent Approach
• One Platform for Multiple Funding Needs
• Relationship Beyond the Transaction

Our services are available to:

• Salaried individuals
• Self-employed individuals
• Self-employed professionals
• Business owners and entrepreneurs
• Corporate borrowers
• Real estate developers
• Property investors
• Start-ups and growth-stage businesses
• Trusts and institutions, subject to lender eligibility

Aura Fund primarily operates as a financial advisory and loan syndication/intermediation platform. We work with banks, NBFCs and other financial institutions to identify suitable financing options.

The final sanction, terms, interest rate, documentation requirements and disbursement are determined by the respective lending institution based on its credit and policy guidelines.

Our process generally involves:

Requirement Understanding → Financial Assessment → Documentation → Lender Mapping → Application Processing → Credit Coordination → Sanction → Documentation & Disbursement

We coordinate with the client and relevant lender throughout the process to help make the financing journey more structured and efficient.

Yes. Depending on the requirement and eligibility, we can evaluate financing options across our lending network and identify institutions whose credit policies may be suitable for the requirement.

Yes. We can evaluate requirements involving balance transfer, refinancing, takeover, top-up, restructuring or debt consolidation, subject to eligibility and lender policies.

Yes. We assist with Loan Against Property requirements against eligible residential, commercial and certain other acceptable properties, subject to lender norms.

Solutions may include fresh LAP, balance transfer, top-up, LRD and selected construction/property-backed funding structures.

Yes. We assist businesses with various funding requirements, including:

• Cash Credit (CC)
• Overdraft (OD)
• Working Capital Term Loans
• Business Loans
• Machinery/Equipment Finance
• Project Funding
• Structured Business Funding
• Short-term funding

Availability depends on the business profile, financials, banking conduct, collateral and lender policy.

Yes. We also evaluate large-ticket and structured funding requirements for businesses, corporates, real estate developers, institutions and promoters.

Depending on the transaction, the requirement may be structured through multiple lenders or appropriate debt-financing solutions.

Yes. We assist eligible developers and property owners with funding requirements such as:

• Construction Finance
• Project Finance
• Inventory Funding
• Commercial Real Estate Funding
• Land/Property-backed Funding
• Debt Consolidation
• Structured Real Estate Finance

Funding is subject to project feasibility, promoter profile, approvals, cash flows, collateral and lender/investor requirements.

The timeline depends on the loan product, borrower profile, documentation, property/legal/technical verification and lender credit process.

A complete and accurate set of documents generally helps reduce processing time. The final timeline is determined by the concerned lender.

Yes. We can assess the overall financial position and explore suitable options such as balance transfer, top-up, consolidation or refinancing, subject to lender eligibility.

Simply discussing your requirement or obtaining an initial assessment does not by itself mean that a loan application has been submitted or a credit enquiry has been made.

Where a formal application requires a lender to access your credit report, the applicable lender's credit enquiry process will apply. We aim to explain the process before proceeding.

No. Loan approval cannot be guaranteed.

Every application is subject to the credit assessment, eligibility criteria, documentation, property evaluation and internal policies of the concerned lender.

We can help identify suitable lending options, structure the proposal appropriately, organise documentation and coordinate with lenders. However, the final credit decision remains with the lender.

Interest rates may depend on several factors, including:

• Borrower's income and financial strength
• Credit history
• Existing liabilities
• Business performance
• Loan amount and tenure
• Property and collateral profile
• Loan-to-value ratio
• Banking conduct
• Nature and stability of income
• Lender's prevailing policies and pricing

The final rate is offered by the respective lender.

The applicable charges, if any, depend on the nature of the engagement and financing requirement. Any applicable professional/service charges will be communicated transparently before proceeding.

There is no general assumption that every enquiry carries a client fee.

Yes. A rejected application does not necessarily mean that every lender will have the same outcome. We can review the reasons for rejection and, where appropriate, assess alternative lenders or financing structures, subject to eligibility.

Yes. Depending on the stage and nature of the business, we can explore appropriate debt financing and, through relevant partnerships, selected equity-funding opportunities.

The availability of funding depends on the business model, financial performance, promoter profile, stage of business and requirements of the respective funding partner.

Yes. We provide financing-related advisory and coordination services based on the information shared by the client. Our role is to help clients understand available financing routes and connect with suitable lending/funding institutions.

Clients should independently review and understand the final terms and conditions offered by the respective lender or funding institution.

We treat client information with appropriate confidentiality and use information shared by clients for legitimate purposes related to evaluating, processing and coordinating their financial requirements, subject to applicable laws and our privacy practices.

Yes. Depending on your financial requirement and eligibility, we can evaluate multiple requirements such as a home loan with a top-up, LAP with business funding, or business funding with working capital facilities.

The suitability of combining facilities depends on the borrower's overall financial position and lender policies.

You can contact the Aura Fund team to discuss your funding requirement and receive an initial assessment.

Call / WhatsApp +91 76250 65345 · Email Operation@aurafund.co.in

Our team can help understand your requirement and guide you towards the appropriate financing route.

A Home Loan is a secured loan provided by a bank or financial institution to finance the purchase, construction or acquisition of a residential property. Depending on the lender and transaction, financing may be available for a new property, resale property, plot purchase, construction and other eligible residential transactions.

Aura Fund assists with various residential financing requirements, including:

• New Home Purchase
• Resale Property Purchase
• Builder Purchase
• Plot Purchase
• Construction Finance
• Home Loan Balance Transfer (BT)
• Balance Transfer with Top-Up
• Home Loan for Better ROI
• Tenure / EMI Restructuring
• Vendor BT-cum-Purchase
• Assignment Funding for eligible transactions
• Home Loan-related debt consolidation
• Additional funding against eligible property

A Home Loan Balance Transfer allows you to transfer your existing home loan from one lender to another, generally to obtain more suitable loan terms.

Aura Fund can evaluate your existing loan and explore alternative lenders based on factors such as:

• Current interest rate
• Outstanding loan amount
• Remaining tenure
• Property value
• Income and repayment capacity
• Credit profile
• Existing liabilities

The final terms are subject to the new lender's credit assessment and policies.

A Balance Transfer may help you explore:

• A potentially lower interest rate
• Reduction in EMI, depending on the revised terms
• Change in loan tenure
• Better repayment structure
• Additional Top-Up funding
• Consolidation of eligible liabilities
• Improved overall financing structure

The actual benefit depends on the existing loan terms, new lender's pricing, applicable charges and remaining tenure.

A BT + Top-Up allows an eligible borrower to transfer an existing home loan to another lender while also seeking additional funding over and above the outstanding loan balance.

For example:

Existing Home Loan Outstanding: ₹60 lakh
Additional Top-Up Requirement: ₹15 lakh
Proposed Total Facility: ₹75 lakh

The additional amount may be used for eligible personal, business, property-related or other permitted purposes, depending on the lender's policy.

Depending on eligibility, BT + Top-Up can help a borrower:

• Shift the existing loan to a potentially more suitable interest rate
• Access additional funds
• Avoid maintaining multiple borrowing arrangements where consolidation is feasible
• Manage repayment through a structured facility
• Potentially optimise the overall cost of borrowing

Aura Fund can assess the existing loan, additional funding requirement and property value to explore suitable lender options.

Yes. If your existing loan carries a comparatively higher interest rate, you may explore a Balance Transfer with another lender.

Aura Fund can review the outstanding principal, current ROI, remaining tenure and other loan details to assess whether refinancing may be worth considering.

Important: A lower interest rate does not automatically mean a lower overall cost. Processing fees, legal/technical charges, related costs, remaining tenure and the new repayment schedule should also be considered.

Potentially, yes. EMI can change depending on the new interest rate, outstanding principal and selected tenure.

For example, a lower ROI may reduce the EMI if the tenure remains unchanged. Alternatively, a longer tenure can reduce the EMI further but may increase the total interest payable over the life of the loan.

Aura Fund can help you compare the available structures before proceeding.

Yes. If your income and repayment capacity permit, you may choose a shorter tenure.

A shorter tenure generally means:

Higher EMI + Lower total interest outgo

A longer tenure generally means:

Lower EMI + Higher total interest outgo

The appropriate tenure depends on your cash flow, income stability and financial objectives.

Loan tenure has a significant impact on your monthly EMI and total interest cost.

Aura Fund can help evaluate different tenure options so that you can understand the impact of:

• EMI
• Total interest payable
• Loan repayment period
• Monthly cash-flow requirements

The objective is to identify a repayment structure that is appropriate for your financial profile rather than simply choosing the longest available tenure.

ROI means Rate of Interest charged by the lender on the loan.

The applicable ROI may vary based on:

• Borrower profile
• Credit score/history
• Income
• Employment/business profile
• Loan amount
• Property profile
• Loan-to-value ratio
• Existing banking relationship
• Lender's internal pricing and policies

The final rate is determined by the concerned lender.

Yes. Aura Fund works with multiple lending institutions and can evaluate your profile to identify lenders where your requirement may fit their prevailing credit and pricing policies.

The final ROI is subject to lender approval and the terms offered by the lender.

Vendor BT-cum-Purchase is a financing structure generally used where a buyer is purchasing a property from an existing owner/vendor who has an outstanding loan against that property.

The new lender may structure the transaction so that:

• The buyer purchases the property.
• The existing vendor's loan is taken over/closed as part of the transaction.
• The balance eligible amount is released towards the purchase consideration.
• The property is transferred to the buyer, subject to applicable legal and lender processes.

This can be useful in eligible resale transactions where the property already has an existing lender charge.

Yes. Aura Fund can evaluate eligible Vendor BT-cum-Purchase transactions and coordinate the financing process with the proposed lender.

The transaction remains subject to property title verification, existing lender requirements, valuation, buyer eligibility, seller documentation and the credit policy of the new lender.

Assignment Funding can be relevant in certain property transactions where the buyer acquires rights or interest in a property through an assignment structure, subject to the applicable legal and lender framework. In such a case, the seller has acquired the property but is yet to execute the registration/sale deed, and the seller, builder and buyer enter into an assignment agreement to complete the sale of the property.

Aura Fund can evaluate eligible assignment-related property funding requirements and explore appropriate financing options with lenders that consider such structures.

Note: Acceptance of assignment transactions varies significantly between lenders and depends on the underlying agreement, title, approvals, transaction structure and legal due diligence.

We can evaluate the transaction and identify potential financing routes where the structure and documentation are acceptable to the lender.

Since assignment transactions can involve additional legal and documentation considerations, funding is subject to detailed lender due diligence and approval.

Debt consolidation involves restructuring or combining eligible existing liabilities into a more organised financing arrangement, where permitted by the lender.

For eligible borrowers, property-backed financing may sometimes be used to consolidate certain high-cost or multiple liabilities.

For example:

Existing Home Loan + Eligible Personal/Business Liabilities → Structured Consolidated Facility

The exact structure depends on the borrower's profile, property value, income, liabilities and lender policy.

Where eligible, consolidation may help:

• Reduce the number of separate EMIs
• Simplify monthly repayment management
• Replace certain higher-cost borrowings with a secured facility
• Improve cash-flow management
• Create a more structured repayment plan

However, converting unsecured debt into a property-backed loan also means that the property becomes part of the security for the consolidated facility. The overall cost and risks should therefore be carefully evaluated.

Depending on the lender's policy and your eligibility, an additional Top-Up may be available over an existing Home Loan.

Eligibility may depend on:

• Existing repayment track record
• Outstanding loan
• Property value
• Income
• Credit profile
• Existing liabilities
• Lender's LTV and policy norms

Yes. Home Loan BT + Top-Up is a common financing requirement, subject to the new lender's eligibility criteria.

Aura Fund can evaluate both requirements together and explore an appropriate structure.

In some cases, lenders may permit Top-Up funds for specified purposes, including certain business or property-related requirements.

However, permitted end-use varies by lender and product. The borrower should disclose the intended use of funds, and the final permitted usage will be determined by the lender.

Loan eligibility depends on several factors, including:

• Income
• Existing EMIs and liabilities
• Credit history
• Age
• Employment/business profile
• Property value
• Loan-to-value ratio
• Loan tenure
• Lender's eligibility criteria

Aura Fund can conduct an initial assessment based on the information and documents provided.

Home Loan tenure can vary by lender and borrower profile. Tenure of up to 30 years^** (conditions apply) may be available for eligible borrowers, subject to age, income, lender policy and other applicable criteria.

Yes. Home Loans can be available for eligible resale properties, subject to the lender's legal, technical and valuation assessment.

The lender may review:

• Property title
• Previous ownership documents
• Approved plans (subjective)
• Encumbrances
• Property age and condition
• Sale agreement
• Valuation
• Existing loan, if any

Yes. Depending on the lender and product structure, financing may be available for eligible plot purchases and/or construction.

The lender may require approved plans, construction estimates, title documents and other applicable approvals.

Yes. Whether you are looking for Balance Transfer, Top-Up, better ROI, tenure optimisation, debt consolidation or additional funding, Aura Fund can review your existing facility and explore suitable options.

No. Aura Fund does not guarantee loan approval, sanction amount or a specific ROI.

Our role is to understand the requirement, assess the profile, explore suitable financing options and coordinate with the relevant lender. The final decision rests with the lender after its credit, legal, technical and valuation assessment.

We can help compare the existing and proposed structures based on:

Current Loan → Outstanding Principal → Existing ROI → Remaining Tenure → Current EMI → Proposed ROI → New Tenure → New EMI → Applicable Charges → Estimated Overall Cost

This allows you to evaluate the potential financial impact before deciding whether a Balance Transfer is appropriate.

Aura Fund combines multi-lender access, lending expertise and transaction-level coordination to assist with both standard and complex home loan requirements.

Whether you need a straightforward Home Loan or a more specialised transaction such as BT + Top-Up, Vendor BT-cum-Purchase, Assignment Funding or debt consolidation, we help structure the requirement and coordinate with appropriate lending institutions.

A Loan Against Property is a secured loan where an eligible residential, commercial or other acceptable property is offered as collateral to obtain funding.

LAP can be used for a wide range of legitimate financial requirements, including business expansion, working capital, debt consolidation, property acquisition and other funding needs, subject to the lender's policies.

Depending on the lender and the transaction, funding may be considered against:

• Residential properties
• Commercial properties
• Industrial properties
• Office premises
• Shops and commercial buildings
• Warehouses
• Factories
• Schools and educational properties
• Hospitals
• Hotels and resorts
• PG/co-living properties
• Rental-generating properties
• Certain specialised or income-generating assets

Property acceptance is subject to legal, technical, valuation and credit assessment by the lender.

Yes. Loan Balance Transfer (BT) allows an existing LAP facility to be transferred from the current lender to another lender, subject to eligibility.

A BT may be evaluated where the borrower is looking for:

• Potentially better pricing
• Improved loan structure
• Longer repayment tenure
• Better repayment terms
• Additional funding through a top-up
• Consolidation of multiple liabilities

The actual benefit depends on the existing loan terms and the new lender's offer.

Yes. A BT + Top-Up structure can allow an eligible borrower to transfer an existing loan and obtain additional funding.

For example, an existing LAP can be taken over by the new lender while an additional amount is sanctioned as a top-up, subject to property value, existing outstanding, repayment track record, income/cash flow and lender policy.

BT + Top-Up can potentially help a borrower:

• Consolidate the existing loan and additional requirement
• Access additional liquidity without creating a completely separate secured facility
• Reorganise repayment obligations
• Potentially optimise the overall borrowing structure
• Fund business expansion or other eligible requirements

The final pricing, tenure and top-up amount are determined by the lender.

Aura Fund can evaluate a Loan Balance Transfer to assess whether another lender may offer more suitable pricing or terms.

However, the final interest rate is determined by the lender based on factors such as borrower profile, credit history, property, LTV, banking conduct, income and internal credit policies.

Potentially, yes. Depending on the borrower's age, income, property profile and lender policy, a BT may provide an opportunity to restructure the repayment tenure.

A longer tenure can reduce the periodic EMI burden, although it may increase the total interest payable over the life of the loan.

Yes. We can review the existing facility, including:

• Current outstanding
• Interest rate
• Remaining tenure
• EMI/repayment obligation
• Property value
• Existing liabilities
• Additional funding requirement

Based on the overall profile, we can explore options such as BT, BT + Top-Up, tenure restructuring or debt consolidation.

Debt consolidation involves using a secured property-backed facility to consolidate multiple eligible liabilities into a more structured repayment arrangement.

Depending on the lender's policy, eligible liabilities may include certain business loans, personal loans, credit facilities or other existing obligations.

Debt consolidation through LAP may help an eligible borrower:

• Combine multiple liabilities into a structured facility
• Reduce the number of monthly repayments
• Potentially reduce the overall interest burden where the new secured pricing is lower
• Improve monthly cash-flow management
• Extend repayment over a suitable tenure
• Release pressure on short-tenure or high-cost obligations

The actual financial benefit should be evaluated after considering foreclosure charges, processing fees, legal/technical charges and the total repayment cost.

Yes. Eligible businesses and promoters may explore property-backed funding for consolidation of existing business liabilities, subject to lender policy.

Aura Fund can assess the existing debt structure, business cash flows and available collateral to identify potential financing options.

Depending on the lender and transaction structure, funding may be arranged for commercial property acquisition, including certain shops, offices, commercial buildings and other eligible properties.

The appropriate product may be a commercial property purchase loan, LAP-backed structure or another suitable secured financing facility depending on the transaction.

Potentially, yes. An eligible existing property can sometimes be used as collateral to raise funds for acquiring another property, subject to lender policy, LTV, income/cash-flow assessment and the purpose of funding.

Aura Fund can evaluate the existing collateral and proposed acquisition together to determine the appropriate financing structure.

Yes. We evaluate specialised and non-standard collateral on a case-by-case basis.

Depending on lender appetite and transaction structure, this may include properties such as:

• Hotels and resorts
• Hospitals
• Schools and educational institutions
• Warehouses
• Factories
• Industrial properties
• PG/co-living assets
• Rental-generating commercial properties
• Specialised commercial assets

Acceptance depends on title, location, marketability, valuation, existing encumbrances, approvals, cash flows and the lender's credit policy.

Yes, eligible industrial properties may be considered by appropriate lenders.

The lender may evaluate the property's location, land and building components, title, approvals, usage, valuation, existing charge and the borrower's financial profile.

Potentially, yes. Such assets can require specialised underwriting because of their nature, approvals, operational cash flows and marketability.

Aura Fund can evaluate the asset and identify lenders that may have an appetite for the particular property and transaction.

Yes. Certain lenders offer financing structures against eligible rental-generating properties.

Depending on the transaction, the rental cash flow may be considered as part of the overall repayment assessment, subject to lease documentation, tenant profile, property quality and lender policy.

LTV varies depending on:

• Property type
• Property location
• Market value
• Borrower profile
• Income/cash flow
• Existing liabilities
• Loan purpose
• Lender policy

There is no single LTV applicable to every LAP transaction. The final eligible amount is determined after valuation and credit assessment.

LAP interest rates vary based on the lender, borrower profile, property, loan amount, LTV, credit history, business financials and other risk parameters.

Aura Fund can evaluate multiple lending options to identify applicable pricing and structure.

Indicative commercial property-backed funding may start from approximately 8% p.a.^** (conditions apply) for eligible profiles, subject to lender terms and prevailing market conditions.

LAP tenure varies by lender and borrower profile. Depending on the product, age, income, property and lender policy, repayment tenure may extend for several years.

A longer tenure can help reduce periodic repayment obligations, while a shorter tenure can reduce the overall interest outgo. The appropriate tenure should therefore be evaluated based on the borrower's cash flow and funding objective.

Yes. Eligible businesses may use property-backed funding for working capital or business-related requirements, subject to the lender's permitted end-use.

The appropriate structure may include LAP, overdraft, working capital facility or another secured business funding product.

Yes, subject to lender-approved end-use. LAP can potentially be used for purposes such as business expansion, equipment or machinery acquisition, working capital and other eligible business requirements.

Yes. Salaried and Self-employed individuals, professionals, proprietors, partnership firms, LLPs and companies may be considered, depending on the product structure and lender's eligibility criteria.

The lender may assess income tax returns, financial statements, GST records, banking transactions, business vintage, profitability and existing obligations.

Yes. Multiple existing loans do not automatically make a borrower ineligible.

The overall debt position, repayment track record, income/cash flow and collateral can be assessed to explore options such as BT, top-up or debt consolidation.

Our process is designed to evaluate the requirement from both the borrower's and lender's perspective.

Requirement Assessment → Property & Financial Evaluation → Lender Mapping → Proposal Structuring → Documentation → Credit Coordination → Sanction → Disbursement

We coordinate with relevant lenders to help make the process more organised and efficient.

Yes. We can review the broad reasons for rejection, subject to the information available, and assess whether an alternative lender or financing structure may be appropriate.

However, approval cannot be guaranteed, and every lender follows its own credit policies.

Not necessarily in every situation. Secured loans may carry different pricing because property is offered as collateral, but the overall cost should be evaluated after considering interest, fees, tenure and other applicable charges.

Aura Fund can help compare the available financing structures based on the requirement.

An existing charge does not necessarily prevent refinancing. A Balance Transfer may allow the existing lender's loan to be taken over by another lender, with additional funding potentially structured as a top-up, subject to eligibility.

Aura Fund combines lender access, secured lending expertise and structured financial advisory to evaluate LAP requirements.

We assist with:

• Loan Balance Transfer
• BT + Top-Up
• Interest-rate and tenure optimisation
• Debt consolidation
• Commercial property acquisition
• Working capital against property
• Large-ticket secured funding
• Specialised collateral
• Complex property-backed transactions

Our objective is to identify an appropriate financing structure based on the borrower's requirement, financial profile and available collateral.

A Personal Loan is generally an unsecured loan that can be used for various personal financial requirements without providing property or other collateral, subject to the lender's eligibility criteria.

Personal Loan solutions are primarily available to eligible salaried individuals. Eligibility may depend on age, income, employment profile, employer category, credit history, existing liabilities and the lender's policies.

The eligible loan amount depends on factors such as your monthly income, existing EMIs, credit profile, employment stability and the lender's eligibility criteria.

Aura Fund can assess your requirement and explore suitable lending options based on your profile.

The interest rate varies from lender to lender and depends on the applicant's credit profile, income, employer, loan amount, tenure and other applicable factors.

The final interest rate is determined by the concerned lender.

Personal Loan tenure generally varies by lender and borrower profile and may extend up to 7 years^** (conditions apply), subject to the lender's policy.

Generally, Personal Loans are unsecured and do not require property or collateral. However, the final terms are subject to the concerned lender's credit policy.

Typical documents may include:

• PAN Card
• Aadhaar / valid KYC documents
• Latest salary slips
• Bank statements
• Form 16 / Income Tax documents, where applicable
• Employment details
• Existing loan/EMI details
• Address and other KYC documents

Additional documents may be requested by the lender depending on the applicant's profile.

Yes. Credit history is one of the factors that lenders may consider while assessing a Personal Loan application. Other factors such as income, employment stability, existing liabilities and repayment capacity are also relevant.

Possibly. Lenders generally consider your existing obligations while calculating repayment capacity. The eligible amount, if any, will depend on the lender's assessment of your overall financial profile.

Depending on the lender and your profile, a Personal Loan balance transfer or refinancing option may be available.

Aura Fund can evaluate the existing loan and explore applicable options based on the outstanding amount, repayment history, interest rate and borrower eligibility.

Personal Loans are generally flexible-use loans and may be used for legitimate personal financial requirements, subject to the lender's terms and applicable restrictions.

Job changes may affect eligibility depending on the lender's employment and minimum service criteria. Some lenders may require a minimum period with the current employer.

The application will be assessed based on the lender's prevailing policy.

Yes. Lenders may consider factors such as employer category, organisation profile, employment stability and salary credits while assessing an application.

Lenders generally consider factors such as:

• Monthly net income
• Existing EMIs and financial obligations
• Employment stability
• Credit history
• Age
• Loan tenure
• Employer profile
• Banking history

The exact eligibility calculation varies between lenders.

Aura Fund helps customers understand their financing requirement, assess their basic eligibility, identify potentially suitable lending options and coordinate the application process with the concerned lender.

Interest rates are determined by the respective lender based on the applicant's profile and prevailing pricing policies.

Aura Fund can evaluate available options and help identify lenders offering terms applicable to your profile, but the final rate cannot be guaranteed.

Processing time varies depending on the lender, applicant profile, documentation and verification requirements. Applications with complete and accurate documentation may generally be processed more efficiently.

The final timeline is determined by the concerned lender.

A formal credit application may involve a credit bureau enquiry by the lender, which can affect the applicant's credit report depending on the bureau's methodology.

Aura Fund can explain the application process before proceeding with a formal application.

No. Aura Fund does not guarantee loan approval.

Final approval, loan amount, interest rate and other terms are determined exclusively by the respective lender after completing its credit assessment and verification.

Yes. We can review the broad reasons for the rejection and, where appropriate, explore alternative lending options. Any new application remains subject to the relevant lender's eligibility and credit policies.

Lenders may charge processing fees and other applicable charges depending on the product and sanction terms.

All applicable charges should be reviewed in the lender's sanction letter and loan documentation before accepting the facility.

Prepayment or foreclosure may be permitted subject to the lender's terms and applicable charges, if any. Customers should check the specific foreclosure conditions applicable to their loan agreement.

A lower credit score can affect eligibility and pricing, but credit score is not necessarily the only factor considered by every lender. Income, employment, repayment history, existing obligations and other factors may also be evaluated.

Yes. You can submit your basic requirement and contact details through the Aura Fund website. Our team can then connect with you to understand your profile and guide you through the next steps.

Aura Fund brings together financial advisory expertise, lender relationships and end-to-end application coordination to simplify the Personal Loan journey.

We focus on understanding your requirement, assessing your basic profile, identifying relevant financing options and coordinating with the appropriate lender.

A Business Loan is financing provided to eligible businesses to meet requirements such as business expansion, working capital, equipment purchase, debt consolidation, business acquisition, or other business-related expenses.

Aura Fund helps businesses evaluate and access suitable financing options from banks, NBFCs and other financial institutions.

Business loans may be available to:

• Proprietorship firms
• Partnership firms
• LLPs
• Private Limited Companies
• Public Limited Companies
• Self-employed business owners
• Entrepreneurs and professionals

Eligibility depends on the applicant's financial profile, business vintage, turnover, profitability, banking conduct, credit history and the lender's policy.

Depending on the product and lender, business financing can be used for:

• Business expansion
• Working capital requirements
• Purchase of machinery or equipment
• Business acquisition
• Inventory purchase
• Debt consolidation
• Takeover of existing business loans
• Business premises or commercial property acquisition
• Cash-flow requirements
• Project-related expenses
• Other legitimate business purposes

The permitted end-use is subject to the respective lender's policies.

The eligible loan amount depends on factors such as:

• Business turnover
• Profitability and cash flows
• Existing liabilities
• Banking transactions
• Credit history
• Business vintage
• Promoter profile
• Collateral, where applicable
• Nature and purpose of the funding

Aura Fund can evaluate the requirement and identify suitable financing structures based on the overall profile.

The loan amount varies significantly depending on the product, borrower profile and lender.

Smaller unsecured business loans may be available for eligible businesses, while established businesses may qualify for substantially larger secured, working capital or structured funding facilities. Ticket sizes can range from ₹1 lakh to ₹100 lakh.

New businesses may have limited options for conventional business loans because many lenders consider business vintage and financial track record.

However, depending on the promoter profile, collateral (if applicable), business plan, banking history and nature of the requirement, alternative financing structures may be evaluated.

There is no single business-vintage requirement applicable to every lender.

Many lenders prefer businesses with an established operating and financial track record of 3 years, but for small businesses a vintage of 1 year or more can also be considered. The actual requirement varies according to the loan product and lender's credit policy.

Not necessarily.

Some business loans may be available without collateral, subject to eligibility. Larger funding requirements may require property or other acceptable security.

Aura Fund can evaluate both secured and unsecured funding options depending on the requirement and borrower profile.

Yes, eligible businesses may qualify for unsecured business loans.

However, unsecured funding generally depends heavily on factors such as business turnover, profitability, banking conduct, credit history, business vintage and promoter profile.

Yes. Businesses can explore secured financing against eligible residential, commercial or other acceptable properties, subject to lender policies.

Such funding may provide access to higher loan amounts and longer repayment structures compared with certain unsecured products.

Yes. Aura Fund can evaluate Business Loan Takeover/Balance Transfer requirements.

The proposal may also be evaluated for additional funding or a top-up, subject to the new lender's eligibility and credit assessment.

Depending on the profile and lender policy, a takeover can potentially be structured with additional funding.

The eligible top-up amount depends on the borrower's repayment track record, financial position, collateral, existing exposure and the new lender's assessment.

Yes. Where appropriate, multiple existing liabilities may be evaluated for consolidation or refinancing.

The objective can be to create a more manageable financing structure, subject to lender eligibility and credit assessment.

A Business Loan is generally structured as a term facility with a defined repayment schedule.

Working Capital facilities are primarily designed to support the operating cash-flow cycle of a business and may provide revolving or structured access to funds.

The appropriate structure depends on the purpose of funding and the business's cash-flow requirements.

Yes. Business expansion requirements can be evaluated for appropriate debt-financing solutions.

Depending on the size and nature of the expansion, the requirement may be structured as a term loan, working capital facility, property-backed funding or a more customised financing solution.

Yes. We also evaluate large-ticket funding requirements for established businesses, corporates and promoters.

Depending on the transaction, funding may be structured through secured lending, working capital, project finance, structured debt or multiple lending institutions.

Lenders may evaluate:

• Business vintage
• Annual turnover
• Profitability
• Cash flows
• Banking conduct
• GST and tax compliance
• Credit history
• Existing liabilities
• Promoter profile
• Industry and business stability
• Collateral/security
• Purpose and end-use of funds

Each lender applies its own credit criteria.

There is no single credit-score threshold applicable to every lender or business loan product.

A stronger credit profile can support eligibility, but lenders generally consider the overall financial profile rather than credit score alone.

The interest rate may depend on:

• Credit profile
• Business financials
• Loan amount
• Tenure
• Security/collateral
• Existing banking relationship
• Business risk profile
• Loan structure
• Lender's prevailing pricing policy

The final interest rate is determined by the respective lender.

Tenure varies according to the product and lender.

Term loans may have multi-year repayment periods, while working capital and short-term facilities can have different renewal or repayment structures.

The final tenure is subject to lender approval.

The processing timeline depends on the product, complexity of the transaction, completeness of documentation, credit assessment, property verification and lender processes, but in general 5–7 working days is a reasonable timeframe.

Providing accurate and complete documents at the beginning can help reduce avoidable delays.

Yes. We can review the broad reasons for the rejection and assess whether another lender or a different financing structure may be appropriate.

However, an alternative lender is not guaranteed to approve the application, as every lender follows its own credit policy.

Yes. Businesses often have more than one funding requirement.

For example, a business may require loan takeover + top-up + working capital, or property purchase + working capital. Aura Fund can assess the requirements together and explore an appropriate overall funding structure.

You can contact Aura Fund with your basic business and funding details.

Our team will understand your requirement, assess the broad profile, identify potential financing options and guide you through the documentation and lender coordination process.

Call / WhatsApp +91 76250 65345 · Email Operation@aurafund.co.in

Working Capital Finance is funding designed to meet the day-to-day financial requirements of a business, including inventory purchases, receivables, supplier payments, operating expenses and short-term cash-flow gaps.

Aura Fund helps businesses evaluate and arrange appropriate fund-based and non-fund-based working capital facilities through banks, NBFCs and other financial institutions.

Fund-based facilities involve the actual deployment of funds by the lender to meet the borrower's financing requirement.

Common fund-based facilities include:

• Cash Credit (CC)
• Overdraft (OD)
• Working Capital Term Loan (WCTL)
• Demand Loan
• Bill/Invoice Discounting
• Receivables Financing
• Supply Chain Finance
• Machinery Finance
• Short-Term Business Loans
• Other structured working capital facilities

The appropriate facility depends on the nature of the business, operating cycle and funding requirement.

Non-fund-based facilities generally involve the lender providing a financial commitment or guarantee rather than immediately disbursing funds.

Common examples include:

• Letter of Credit (LC)
• Bank Guarantee (BG)
• Performance Guarantee
• Financial Guarantee
• Other trade and contingent credit facilities

These facilities can help businesses undertake purchases, participate in contracts, execute projects and meet contractual or supplier requirements.

A Cash Credit facility is a revolving working capital facility generally used to finance business requirements such as inventory and receivables.

The drawing power or available limit is generally linked to eligible stock and receivables and is subject to the lender's assessment and monitoring requirements.

An Overdraft allows an eligible borrower to withdraw funds up to an approved limit, subject to the terms of the facility.

OD facilities can be structured against various forms of security or financial strength, depending on the lender and product.

They can be useful for managing short-term cash-flow mismatches.

Both CC and OD can provide revolving access to working capital.

Cash Credit (CC) is generally structured around the working capital cycle, including eligible stock and receivables.

Overdraft (OD) can be structured against specified security, deposits, property, financial assets or other acceptable arrangements, depending on the lender.

The appropriate facility depends on the business's operating cycle, security and funding requirement.

A WCTL is a term-based facility used to meet working capital requirements where a business requires a defined amount of funding with a structured repayment schedule.

It can be considered where the business needs longer-duration working capital support rather than a purely revolving facility.

A Letter of Credit is a bank-backed payment undertaking generally used in trade transactions.

It can provide comfort to a supplier that payment will be made subject to the terms and conditions of the LC.

Aura Fund can assist eligible businesses in evaluating LC limits based on their business activity, transaction volume, financial strength and lender requirements.

A Bank Guarantee is a commitment issued by a bank on behalf of its customer in favour of a beneficiary.

BGs may be used for purposes such as:

• Performance obligations
• Contractual requirements
• Tender participation
• Security deposits
• Advance payment requirements
• Statutory or commercial obligations

The type and amount of BG facility depends on the underlying transaction and lender assessment.

Yes. Aura Fund can evaluate LC and BG requirements along with the overall working capital structure.

Depending on the business profile, these may be structured as part of an overall fund-based and non-fund-based working capital limit.

Fund-Based Finance provides actual access to funds—for example, CC, OD, WCTL, invoice discounting or machinery finance.

Non-Fund-Based Finance primarily provides a bank-backed commitment—for example, LC or BG.

A business may require both types of facilities depending on its operating and contractual requirements.

Yes. Existing CC/OD facilities can be evaluated for enhancement based on factors such as:

• Increase in turnover
• Higher working capital requirement
• Growth in inventory
• Increase in receivables
• Improved financial performance
• Banking conduct
• Business expansion
• Additional security, where required

The final enhancement is subject to lender assessment.

Yes. Aura Fund can evaluate working capital takeover/balance transfer requirements.

Depending on the profile, the proposal may also be assessed for enhancement, additional working capital or other related facilities.

Supply Chain Finance is a financing mechanism that helps businesses and their suppliers or buyers manage working capital and payment cycles.

Depending on the structure, facilities may include:

• Vendor Finance
• Dealer Finance
• Invoice Discounting
• Receivables Finance
• Payables Finance
• Purchase Order Finance
• Channel Finance
• Bill Discounting

Eligibility depends on the strength of the business ecosystem, underlying transactions and lender's programme.

Vendor Finance enables eligible suppliers/vendors to receive financing against eligible invoices or approved transactions.

It can help vendors improve cash flow while allowing the buyer to manage its payment cycle according to agreed commercial terms.

Dealer Finance provides funding to eligible dealers or distributors for purchasing goods from manufacturers or large suppliers.

The facility can help dealers manage inventory and working capital requirements without relying entirely on their own cash resources.

Invoice Discounting allows an eligible business to obtain financing against eligible outstanding invoices/receivables.

Instead of waiting for the customer to make payment according to the agreed credit period, the business may receive financing against the eligible receivable, subject to lender terms.

Purchase Order Finance provides funding against eligible purchase orders or confirmed orders, subject to the lender's assessment of the buyer, transaction, supplier and underlying business.

It can be useful where a business has confirmed orders but requires funds to procure or manufacture the goods.

Yes. Aura Fund can evaluate financing for the purchase of new or used machinery and equipment, subject to lender eligibility.

Machinery funding may be considered for:

• Manufacturing equipment
• Plant & machinery
• Construction equipment
• Commercial equipment
• Medical equipment
• Industrial machinery
• Business expansion equipment
• Replacement/modernisation of existing machinery

The financing structure depends on the asset, business profile, contribution, cash flows and lender policy.

Yes. Depending on the business requirement, machinery finance can be structured alongside working capital facilities such as CC, OD or WCTL.

For example, a business expanding its production capacity may require machinery finance + enhanced working capital limits.

Aura Fund can evaluate the overall requirement rather than looking at each facility in isolation.

CGTMSE refers to the Credit Guarantee Fund Trust for Micro and Small Enterprises. Under its Credit Guarantee Scheme, eligible credit facilities extended by participating lending institutions to eligible Micro and Small Enterprises may receive guarantee cover, subject to the applicable scheme conditions. The scheme can cover certain fund-based and non-fund-based facilities.

CGTMSE is a credit guarantee mechanism and not itself a lender. The loan or facility is sanctioned by the participating lending institution.

Eligible Micro and Small Enterprises may be able to obtain working capital facilities under the applicable CGTMSE framework, subject to lender and scheme eligibility.

The current scheme provides for eligible fund-based and/or non-fund-based facilities, with applicable exposure limits and conditions varying by type of lending institution.

Aura Fund can evaluate whether a business may be suitable for a CGTMSE-backed financing route.

CGTMSE provides guarantee cover subject to the scheme's eligibility and conditions; it does not mean that every borrower is automatically entitled to a collateral-free loan.

The scheme also provides for a Hybrid/Partial Collateral Security model, where part of the facility can be secured and the eligible unsecured portion may receive guarantee cover, subject to applicable conditions.

The final requirement for collateral, guarantees and other security is determined by the lending institution and applicable scheme rules.

Eligibility is determined under the applicable CGTMSE scheme and by the participating lender.

Broadly, eligible Micro and Small Enterprises can be considered, subject to applicable business, financial, credit and documentation requirements. The lender remains responsible for assessing the borrower's creditworthiness and sanctioning the facility.

Yes. Subject to the applicable scheme conditions, CGTMSE can cover eligible term loan and/or working capital facilities. The scheme also recognises certain fund-based and non-fund-based facilities.

Depending on the business and lender, we can evaluate various facilities, including:

• Cash Credit
• Overdraft
• WCTL
• LC
• BG
• Bill Discounting
• Invoice Discounting
• Vendor Finance
• Dealer Finance
• Supply Chain Finance
• Purchase Order Finance
• Receivables Finance
• Machinery Finance
• Short-Term Business Finance
• Structured Working Capital
• Trade Finance
• Export/Import-related finance, where applicable
• Other customised funding structures

Yes. Rather than evaluating each requirement separately, Aura Fund can assess the business's complete funding cycle.

For example, a manufacturing company may require:

CC + LC + BG + Machinery Finance + Vendor Finance

while a trading company may require:

OD + Invoice Discounting + Purchase Order Finance + BG/LC

The final structure depends on the business model, transaction cycle, financials, security and lender policies.

The requirement is generally assessed based on factors such as:

• Annual turnover
• Operating cycle
• Inventory holding period
• Receivable cycle
• Payable cycle
• Business margins
• Banking transactions
• Existing working capital limits
• Financial statements
• GST data
• Industry norms
• Projected growth

The exact assessment methodology varies by lender and facility.

Common documents may include:

Business & KYC

• PAN
• Aadhaar/other KYC
• Constitution documents
• GST registration
• Udyam/MSME registration, where applicable

Financial Documents

• Audited financial statements
• Income Tax Returns
• GST returns
• Current account statements
• Existing loan statements
• Debtor/creditor details
• Stock statements
• Ageing of receivables
• Projected financials, where applicable

For LC/BG

• Underlying purchase orders/contracts
• Work orders
• Tender documents
• Beneficiary details
• Proposed LC/BG format, where applicable

Additional documents may be required based on the facility.

Lenders may evaluate:

• Business vintage
• Turnover
• Profitability
• Cash flows
• Banking conduct
• Existing debt
• Credit history
• Stock and receivables
• Customer concentration
• Supplier profile
• Industry risk
• GST and tax compliance
• Promoter profile
• Collateral/security
• Nature and purpose of the facility

Each lender applies its own credit and risk assessment framework.

Potentially, yes. Growth in turnover can increase the requirement for inventory and receivables funding.

Aura Fund can evaluate an existing facility for enhancement, additional limits or restructuring based on the business's financial performance and actual working capital cycle.

Yes. Depending on the business profile, Aura Fund can evaluate unsecured, partially secured, cash-flow-based, supply-chain-based and applicable government-guarantee-backed financing structures.

However, the availability of collateral-free or partially secured funding depends on lender and scheme eligibility.

Yes. Depending on the overall financial position, businesses may use a combination of:

Working Capital + Term Loan + LAP + Machinery Finance + LC/BG

Aura Fund can assess the overall funding requirement and explore an appropriate financing structure.

Yes. We can evaluate situations involving:

• Insufficient CC/OD limits
• Working capital shortages
• Existing lender constraints
• Debt consolidation
• Takeover and enhancement
• Additional collateral-backed funding
• Restructuring or refinancing, where appropriate
• Alternative working capital structures

Any restructuring or refinancing remains subject to lender assessment and applicable regulations.

The timeline depends on the facility, size of the requirement, complexity of the business, documentation, security and lender's credit process.

Straightforward cases with complete documentation may move faster, while large-ticket, structured, LC/BG, project-linked or multi-facility transactions may require additional assessment.

Aura Fund aims to keep the process structured and coordinate with the relevant stakeholders to minimise avoidable delays.

Yes. We can review the broad reasons for rejection and assess whether another lender, facility type or financing structure may be suitable.

However, approval is always subject to the concerned lender's independent credit assessment.

Yes. We assist eligible MSMEs with various working capital requirements, including CC, OD, WCTL, LC, BG, supply chain finance, invoice discounting, machinery finance and applicable CGTMSE-backed facilities.

The appropriate product depends on the business profile and requirement.

Aura Fund can help businesses:

• Understand the appropriate facility
• Assess fund-based and non-fund-based requirements together
• Identify potential lender options
• Structure the proposal
• Organise documentation
• Coordinate with lenders
• Evaluate enhancement/takeover opportunities
• Explore applicable government-backed financing routes
• Coordinate the process through sanction and disbursement/activation

Our objective is to help businesses build a financing structure aligned with their actual operating cycle and growth requirements.

Share your basic business details and funding requirement with our team.

We can initially understand:

Business Profile → Turnover → Existing Banking → Current Facilities → Funding Requirement → Security → Proposed End-Use

Based on the initial assessment, we can identify potential financing routes and guide you through the next steps.

Call / WhatsApp +91 76250 65345 · Email Operation@aurafund.co.in

Real Estate Project Funding is financing designed to support eligible real estate developers and promoters in developing and completing residential, commercial, mixed-use and other approved real estate projects.

Aura Fund helps evaluate the project, funding requirement, existing debt, projected cash flows and security structure and connects eligible projects with appropriate banks, NBFCs and financial institutions.

Depending on project profile and lender appetite, funding may be evaluated for:

• Residential apartments
• Villas
• Plotted developments
• Commercial projects
• Mixed-use developments
• Office projects
• Retail projects
• Redevelopment projects
• Industrial developments
• Hospitality and specialised real estate projects

The final eligibility depends on project approvals, location, promoter track record, project viability and lender policy.

Funding can be considered for eligible:

• Builders and real estate developers
• Promoters
• Development companies
• LLPs and partnership entities
• Special Purpose Vehicles (SPVs)
• Property development companies
• Established businesses undertaking eligible real estate projects

The promoter's experience, financial strength, existing exposure and project execution capability are important considerations.

Construction Finance is funding provided to eligible projects to meet approved construction and development expenses.

It may be used for:

• Construction costs
• Contractor payments
• Construction materials
• Project infrastructure
• Development expenses
• Approved project-related costs
• Other eligible construction requirements

Disbursement is generally linked to project progress and the conditions stipulated by the lender.

The funding amount depends on the project's overall financial structure rather than a single fixed percentage.

Lenders may consider:

• Total project cost
• Land value
• Promoter contribution
• Projected sales
• Construction cost
• Existing debt
• Project approvals
• Project cash flows
• Location and marketability
• Promoter track record
• Available security
• Expected repayment/exit strategy

Aura Fund can evaluate the project and explore an appropriate funding structure.

Yes. Owned land can form an important component of the project funding structure, subject to clear title, valuation, legal due diligence and lender requirements.

Depending on the transaction, financing may be structured around the project, development rights, receivables, inventory and/or other acceptable security.

Potentially, yes. Land acquisition and construction requirements can be evaluated as part of an overall project financing proposal.

The structure depends on the land transaction, promoter contribution, project approvals, development potential, projected cash flows and lender policy.

Inventory Funding is financing against eligible completed or under-construction real estate inventory.

It can help developers unlock liquidity against eligible:

• Residential units
• Apartments
• Villas
• Commercial units
• Shops
• Office spaces
• Plots
• Other eligible project inventory

The facility can provide liquidity while allowing the promoter to manage the timing of inventory sales and project cash flows.

The lender evaluates the eligible inventory, including its legal status, valuation, project approvals, construction status, saleability and existing encumbrances.

Based on the lender's assessment, financing may be structured against the eligible inventory and associated project cash flows.

Repayment may be structured through inventory sales or according to the agreed facility terms.

Project Funding primarily supports the development and construction of a real estate project.

Inventory Funding primarily provides liquidity against eligible completed or available project inventory.

A developer may use project funding during construction and inventory funding at a later stage to unlock capital from unsold assets.

Depending on the lender and transaction structure, inventory-backed funding may potentially be used for refinancing or repayment of eligible existing obligations.

The permitted end-use is subject to the lender's approval and applicable financing conditions.

Yes. Completed inventory can be evaluated for funding, subject to:

• Clear and marketable title
• Project approvals
• Valuation
• Construction status
• Marketability
• Existing encumbrances
• Promoter profile
• Project cash flows
• Lender's credit policy

Yes. Eligible commercial inventory such as shops, offices, commercial units and other approved properties may be evaluated for inventory-backed financing.

The lender will assess the property's location, valuation, legal status, saleability, project status and overall promoter profile.

Warehouse Project Funding is financing for the development, construction, acquisition or expansion of eligible warehouse and logistics assets.

Funding may be considered for:

• Warehouses
• Logistics parks
• Distribution centres
• Industrial storage facilities
• Cold-storage facilities
• Built-to-suit warehouses
• Specialised storage facilities

The structure depends on the project, promoter, location, construction plan and expected cash flows.

Yes. A warehouse developed under a lease, built-to-suit arrangement or other identified occupancy structure may be evaluated for project funding.

Lenders may consider:

• Tenant profile
• Lease/rental agreement
• Lease tenure
• Rental cash flows
• Project cost
• Construction status
• Location
• Promoter contribution
• Exit or repayment strategy

Yes. An operational warehouse can potentially be evaluated for refinancing, expansion, acquisition or property-backed financing.

The funding structure depends on the property's valuation, rental income, occupancy, tenant profile, existing debt and lender criteria.

Potentially, yes. Eligible income-generating warehouse assets may be evaluated based on contracted or projected rental cash flows.

Depending on the transaction, lease-rental-backed or other structured financing solutions may be considered.

Commercial Construction Funding is financing for the construction or development of eligible commercial real estate assets.

It may include:

• Office buildings
• Commercial complexes
• Retail developments
• Shopping centres
• Business parks
• Commercial units
• Institutional/commercial developments
• Other eligible income-generating properties

Funding is subject to project feasibility, approvals, security and lender criteria.

Yes. Eligible under-construction commercial projects can be evaluated for appropriate construction or project financing.

The lender may assess:

• Project approvals
• Construction status
• Total project cost
• Promoter contribution
• Existing debt
• Expected sales/rental income
• Projected cash flows
• Security
• Promoter track record

Potentially, yes. Where the commercial asset is intended to generate rental income, the projected or contracted rental cash flows may form part of the financing assessment.

The final structure depends on the property, tenant profile, lease terms, project status and lender policy.

Yes. Depending on the transaction, financing can potentially be evaluated for:

Property Acquisition + Construction/Development

or

Existing Property Acquisition + Expansion/Renovation

The final structure depends on the asset, transaction value, promoter contribution, cash flows and lender eligibility.

Structured Real Estate Funding refers to customised financing solutions designed for real estate transactions that may not fit into a conventional construction finance or property loan structure.

Depending on the requirement, the structure may involve:

• Project Finance
• Inventory Funding
• Debt Refinancing
• Property-backed Funding
• Receivables-backed Funding
• Lease Rental-backed Funding
• Promoter-level Financing
• Structured Debt
• Multiple-lender financing
• Special Purpose Vehicle structures

The structure is designed around the project's assets, cash flows, security and proposed repayment strategy.

Structured funding may be considered when a project has a specific funding gap or requires a customised financing solution.

Examples include:

• Existing project debt requiring refinancing
• Additional construction funding
• Unsold inventory
• Delayed receivables
• Cost-to-complete funding
• Promoter-level funding requirements
• Project liquidity requirements
• Debt consolidation
• Takeover with additional funding
• Funding requirements involving multiple assets or entities

Suitability depends on the specific transaction and availability of appropriate funding partners.

Yes. Existing project debt can be evaluated for takeover/refinancing, with additional funding potentially considered where the project and lender criteria support it.

A transaction may potentially be structured as:

Existing Debt Takeover + Additional Construction Funding + Inventory Funding

subject to lender assessment.

Potentially, yes. Stalled or delayed projects require detailed assessment of the current project position and the reasons for the delay.

The assessment may include:

• Existing debt
• Construction status
• Pending approvals
• Unsold inventory
• Project receivables
• Cost to complete
• Promoter contribution
• Pending liabilities
• Revised project cash flows
• Exit/repayment strategy

Based on the assessment, refinancing or structured funding options may be explored.

Yes. Existing project debt does not automatically prevent additional financing.

The lender may evaluate the existing exposure, repayment history, security, project cash flows, debt servicing capacity and proposed use of additional funds.

Yes. A project may have multiple requirements that can potentially be evaluated together.

For example:

Project Finance + Inventory Funding + Debt Takeover + Working Capital

or

Commercial Construction Finance + Lease Rental-backed Funding + Refinancing

Aura Fund can assess the overall requirement and explore an appropriate financing structure.

The exact documents depend on the transaction, but commonly required documents include:

Promoter & Entity Documents

• KYC documents
• Company/LLP/partnership documents
• Promoter profile
• Track record
• Existing group exposure

Property & Project Documents

• Title documents
• Development agreement/JDA, where applicable
• Sanctioned plans
• Building approvals
• Commencement permissions
• RERA-related documents, where applicable
• Project approvals and licences

Financial Documents

• Audited financial statements
• Income Tax Returns
• Bank statements
• Existing loan statements
• Project cost statement
• Sources & uses
• Projected cash flows
• Sales and collection details
• Inventory statement

Additional documents may be required depending on the lender and funding structure.

Lenders may evaluate:

• Promoter experience and track record
• Project location
• Land title and ownership
• Project approvals
• Project cost
• Promoter contribution
• Construction progress
• Sales velocity
• Existing inventory
• Receivables
• Existing debt
• Projected cash flows
• Security available
• Repayment/exit strategy
• Overall financial strength

Each lender applies its own credit and risk assessment criteria.

The lender may consider the value and eligibility of the inventory along with factors such as:

• Market value
• Realisable value
• Location
• Construction/completion status
• Legal status
• Existing encumbrances
• Saleability
• Existing project debt
• Promoter financial strength
• Expected repayment from inventory sales

The final funding amount is determined by the concerned lender.

The repayment structure depends on the nature of the project and financing.

Potential repayment sources may include:

• Project sales collections
• Inventory monetisation
• Rental income
• Refinancing
• Asset sale
• Project receivables
• Other approved cash flows

The lender evaluates and approves the repayment/exit structure as part of the financing proposal.

Yes. Aura Fund evaluates large-ticket project, inventory and structured real estate funding requirements for eligible developers, promoters, corporates and property owners.

Depending on the transaction, funding may be explored through banks, NBFCs and other appropriate financial institutions or funding partners.

The timeline depends on the size and complexity of the transaction, documentation, project approvals, property due diligence, valuation, legal and technical assessment and lender credit process.

Straightforward transactions with complete documentation may move faster, while large-ticket, structured, multi-layered or distressed-project transactions may require additional assessment.

Yes. Aura Fund can review the broad funding requirement and assess whether an alternative lender or financing structure may be appropriate.

However, every lender independently evaluates the proposal, and approval cannot be guaranteed.

Aura Fund brings together financial advisory, lender access and structured funding expertise to help promoters evaluate complex real estate financing requirements.

Our approach includes:

Understand the Project → Assess the Funding Gap → Structure the Requirement → Identify Potential Funding Partners → Coordinate Due Diligence → Facilitate Sanction & Closure

Our objective is to help developers and promoters approach the financing process with a clear and structured funding proposition.

You can contact our team with your basic project and funding details.

We would typically seek information regarding:

Project Location → Project Cost → Land Status → Approvals → Construction Status → Sales/Inventory → Existing Debt → Funding Requirement → Proposed Repayment/Exit

Based on the initial assessment, Aura Fund can evaluate potential financing routes.

Call / WhatsApp +91 76250 65345 · Email Operation@aurafund.co.in

Structured Funding is a customised financing solution designed for businesses, promoters, investors and corporates whose funding requirements may not fit within conventional loan products.

Aura Fund evaluates the borrower’s business, assets, cash flows, existing liabilities, transaction structure and repayment/exit strategy to identify an appropriate funding structure through banks, NBFCs, private credit funds, alternative lenders and other financial institutions.

Debt Syndication is a funding arrangement where a large financing requirement is structured and sourced from one or multiple lenders.

It is generally used for large-ticket requirements such as corporate funding, project funding, debt refinancing, acquisition financing, promoter funding and business expansion.

Aura Fund can assist with

• Requirement assessment
• Funding structure
• Lender identification
• Financial and transaction presentation
• Coordination with multiple lenders
• Term-sheet evaluation
• Documentation and transaction coordination

Structured Debt is financing customised around the borrower’s specific financial position, security, cash flows and transaction requirements rather than following a standard loan format.

Possible structures may include:

• Senior secured debt
• Subordinated debt
• Property-backed debt
• Cash-flow-based funding
• Receivables-backed funding
• Debt refinancing
• Promoter-level financing
• Acquisition-related debt
• Hybrid or multiple-security structures

The final structure depends on lender appetite, transaction risk, security and repayment visibility.

Mezzanine Funding is a form of financing that generally sits between senior secured debt and equity in the capital structure.

It may be considered where conventional senior debt is insufficient to meet the total funding requirement and the transaction has a suitable repayment or exit strategy.

Depending on the transaction and lender, mezzanine structures may involve:

• Subordinated debt
• Structured debt
• Convertible or hybrid instruments
• Additional security
• Higher pricing than conventional senior debt

Availability and structure are subject to lender and investor policies.

Corporate Funding refers to financing solutions designed for established companies and corporate groups for purposes such as:

• Business expansion
• Working capital
• Capital expenditure
• Debt refinancing
• Acquisition
• Business restructuring
• Promoter liquidity
• Strategic investments
• Project development

Funding may be structured against business cash flows, assets, receivables, securities or a combination of these.

Promoter Funding is financing provided to business promoters for specific personal or business-related requirements, subject to the proposed structure and lender policy.

It may be considered for:

• Promoter contribution
• Business expansion
• Debt consolidation
• Acquisition of shares or business interests
• Capital infusion
• Liquidity requirements
• Reorganisation of existing liabilities

The lender generally evaluates the promoter’s financial profile, business interests, available security, repayment capacity and proposed end-use.

Yes. Aura Fund can evaluate funding requirements related to eligible Mergers & Acquisitions (M&A) transactions.

Depending on the transaction, funding may potentially be structured for:

• Acquisition of a company
• Acquisition of a business division
• Strategic stake acquisition
• Share purchase
• Buyout transactions
• Promoter-led acquisition
• Acquisition refinancing
• Debt-funded business expansion

The transaction structure, target company, valuation, promoter contribution, security and proposed repayment/exit strategy are important considerations.

Stake Purchase Funding refers to financing used for acquiring an ownership stake in a company or business, subject to applicable regulations and lender/investor policy.

It may be considered for:

• Strategic investment
• Acquisition of shares
• Promoter stake acquisition
• Buyout of existing shareholders
• Business consolidation
• Acquisition of controlling or minority interest

The funding structure depends on the transaction size, target business, valuation, security, cash flows and exit strategy.

Loan Against Securities is financing secured against eligible financial securities such as shares, mutual funds, bonds or other approved investments.

Depending on the lender, funding may be available against:

• Listed shares
• Mutual funds
• Bonds/debentures
• Government securities
• Other approved marketable securities

The eligible securities, loan-to-value ratio, margin requirements, interest rate and repayment terms are determined by the respective lender.

Potentially, yes. Where promoters or eligible entities hold acceptable financial securities, lenders may evaluate financing against those securities.

This can potentially provide liquidity without requiring immediate disposal of the underlying investments.

Eligibility depends on:

• Type of security
• Market value
• Ownership
• Liquidity
• Lender-approved list
• Existing encumbrances
• Margin requirements
• Borrower profile

Debt Consolidation involves restructuring or combining multiple existing liabilities into a more organised financing arrangement.

It may be considered where a borrower has multiple loans with different lenders, repayment schedules, interest rates or security arrangements.

The objective may include:

• Consolidating multiple liabilities
• Replacing expensive debt
• Simplifying repayment obligations
• Improving cash-flow management
• Extending repayment tenure where appropriate
• Releasing or reorganising securities
• Providing additional liquidity, where eligible

Any improvement in pricing, tenure or cash flow is subject to the proposed lender and transaction structure.

Aura Fund can evaluate eligible debt takeover/refinancing requirements.

Depending on the transaction, refinancing may include:

• Takeover of existing bank/NBFC debt
• Debt consolidation
• Balance transfer
• Refinancing with additional funding
• Security restructuring
• Multiple-loan consolidation

The existing lender exposure, repayment track record, security value, financial performance and proposed lender's credit policy are considered.

Potentially, yes.

A transaction may be structured as Takeover + Additional Funding where the borrower requires both refinancing of existing debt and incremental funds for eligible business or corporate purposes.

Additional funding may potentially be used for:

• Business expansion
• Working capital
• Capital expenditure
• Project completion
• Acquisition
• Debt consolidation
• Other permitted business requirements

The total funding depends on repayment capacity, security, cash flows and lender policy.

Depending on the transaction, lenders may consider:

• Residential property
• Commercial property
• Industrial property
• Land
• Factory premises
• Warehouse
• Project assets
• Receivables
• Shares/securities
• Business assets
• Corporate or personal guarantees
• Other acceptable collateral

The security requirement varies by lender and transaction structure.

Certain transactions may potentially qualify for cash-flow-based, unsecured, subordinated or other alternative structures.

However, availability depends heavily on:

• Business strength
• Financial performance
• Promoter profile
• Credit history
• Cash flows
• Transaction size
• Industry
• Existing liabilities
• Lender/investor appetite

Large or complex transactions may require a combination of security, guarantees and structured repayment mechanisms.

Aura Fund can evaluate medium to large-ticket funding requirements, including transactions involving several crores and larger corporate requirements.

The appropriate funding structure is determined based on the requirement rather than simply the ticket size.

Structured Funding may be considered for:

• Promoters
• Private and public companies
• LLPs
• Partnership firms
• Established businesses
• Corporate groups
• Developers
• Investors
• Family-owned businesses
• Acquisition entities/SPVs
• Businesses undertaking restructuring or consolidation

Eligibility remains subject to the proposed lender/investor's criteria.

Depending on the transaction, Aura Fund may require:

Business & Financial Information

• Company profile
• Promoter profile
• Audited financial statements
• Provisional/current financials
• GST returns
• Bank statements
• Existing loan statements
• Debtor/creditor details

Security Information

• Property documents
• Valuation reports, where available
• Existing security details
• Shareholding/securities information

Transaction Information

• Detailed funding requirement
• End-use of funds
• Existing debt structure
• Proposed transaction structure
• Project/business plan
• Acquisition documents, where applicable
• Repayment or exit strategy

Additional documents may be required depending on the transaction.

Aura Fund generally follows a structured approach:

Understand → Assess → Structure → Connect → Coordinate → Close

We first understand the business and transaction, assess the financial and security position, identify a suitable structure, connect with relevant lenders/investors and coordinate the transaction through the financing process.

Yes. Depending on the requirement, Aura Fund may evaluate multiple potential lenders or funding sources.

This can be relevant for large or complex transactions where the requirement may need:

• Multiple lenders
• Debt syndication
• Senior + subordinated debt
• Multiple-security structures
• Refinancing
• Alternative credit
• Specialised funding

Lender selection depends on the transaction profile and prevailing lender appetite.

Potentially, yes.

Structured Funding may be evaluated for eligible situations involving:

• Debt restructuring
• Debt consolidation
• Refinancing
• Business expansion
• Stressed but potentially viable businesses
• Project completion
• Promoter liquidity
• Corporate reorganisation

Each case requires an individual assessment of financial viability, security, repayment capacity and lender appetite.

The timeline varies significantly depending on the complexity and size of the transaction.

A straightforward secured refinancing may progress faster, while syndicated, acquisition, mezzanine or highly structured transactions can require additional financial, legal, valuation and due-diligence processes.

Aura Fund works to streamline the process through structured documentation and coordinated lender engagement.

Yes. A declined proposal can be reviewed to understand the reason for rejection and determine whether an alternative structure or lender category may be appropriate.

However, a rejection by one lender does not imply that another lender will approve the transaction. Every lender applies its own credit, security, risk and policy criteria.

Aura Fund combines financial expertise, lender relationships and structured execution to address funding requirements that may require more than a conventional loan.

Our approach focuses on:

• Understanding the complete transaction
• Identifying suitable funding structures
• Accessing multiple lender categories
• Structuring complex requirements
• Supporting large-ticket transactions
• Coordinating documentation and lender discussions
• Evaluating refinancing and consolidation opportunities
• Maintaining a transparent and professional process

You can share your funding requirement, existing debt details, business/transaction profile and available security with our team for an initial assessment.

Call / WhatsApp +91 76250 65345 · Email Operation@aurafund.co.in