Loans & financial advice · India
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Rates and programmes change often. We check them each morning so you see what is open today, and what has closed.
Up to ₹70 lakh
Draw funds in stages and pay interest only on what you have used during a 12 to 36 month principal holiday. It then converts into a regular EMI loan.
Everything in the Hybrid Term Loan, plus part payments without charges. Pay down up to 20% of the sanctioned amount in the first 12 EMIs and another 20% from the 13th EMI until closure. Unused first-year benefit lapses after the 12th EMI.
See how it worksProduct rules
Both let you withdraw what you need and pay interest only on what you use during the principal holiday. Elite adds charge-free part payments.
| Feature | Hybrid Term Loan | Elite Term Loan |
|---|---|---|
| Principal holiday | 12 to 36 months | 0 to 36 months (no later disbursal if 0) |
| Interest during holiday | Only on the amount disbursed | Only on the amount disbursed |
| Staged withdrawals | Yes, within the holiday period | Yes, within the holiday period |
| Minimum split disbursal | ₹5,000 or the available amount, whichever is lower | ₹5,000 or the available amount, whichever is lower |
| Unused limit | Lapses if not used within the holiday | Lapses if not used within the holiday |
| Replenishment | Not permitted. Repaid amounts cannot be withdrawn again. | Not permitted. Repaid amounts cannot be withdrawn again. |
| Part payments without charges | No | Up to 20% of sanctioned amount in year 1, and a further 20% from the 13th EMI onward |
| After the holiday | Regular principal + interest EMI. No further drawdown. | Regular principal + interest EMI. No further drawdown. |
ROI updates
The tracker lists rates our partners have published to us. Where a lender has not shared a rate for a programme, we say so and quote it on request.
| Programme | Rate (p.a.) | Window | Status |
|---|---|---|---|
| Flexi Top Up PL BT & DC | 12.35% | 28 Oct 2026 | Live today |
| Diwali Dhamaka Salaried Loan | On request | Festive season | Open |
| Hybrid Term Loan | On request | Ongoing | Open |
| Elite Term Loan | On request | Ongoing | Open |
Illustration only. Final EMI depends on the lender's rate, fees and the amount actually disbursed.
Eligibility check
This screens your profile against the Diwali Dhamaka salaried programme. It is a first look and not an approval. Business owners and profiles that miss a check can still have options with other lenders.
You will see each check, whether you meet it, and what to do next.
CIBIL above 720, net take-home above ₹2.5 lakh, age 27 to 50, listed employer, credit card outstanding under ₹10 lakh, no late payments in 12 months, a home loan or property on record, and 6+ months in the current job.
We also check for work-from-home profiles, two or more unsecured loans, and six or more unsecured enquiries in the last 6 months.
About Bal & Co.
Bal & Co. helps salaried and business professionals across India find the right loan and the right lender. We compare offers from our bank and NBFC partners, point out the conditions that matter, and tell you early if a product is not a fit.
Balance transfers, debt consolidation, flexible term loans and personal loans are our daily work, so we know which rate promotions are open and when they end.
Rate, fees, tenure and part-payment rules are written down before you commit.
One application discussion, with offers from several banks and NBFCs side by side.
If your profile does not suit a programme, we say so and look at the next option.
Contact
Send a short note with your requirement. We reply with the lenders and rates that fit.