Vistaar Finance

Choosing the right product

• Business loan: for expansion, property, working capital, upgrades or debt consolidation, with a tenure up to 15 years.
• Gold loan: for short-term working capital against gold jewellery, with a tenure up to 12 months.

Before you apply

• Keep KYC documents ready for both the applicant and the business.
• Income proof is listed as bank statements, GST returns or ITR filings.
• For secured loans, have property documents ready.
• Some products need at least 3 years in the current business.

How applications work

• Submit the loan request on the online form on the product page.
• Or give a missed call to 91159 91158 and wait for a loan officer to call back.
• Or visit your nearest Vistaar branch.

What to ask

• The business and gold loan pages do not publish approval times, interest rates or scoring rules. Ask the loan officer before you commit.

Vistaar Finance is the brand of Vistaar Financial Services Private Limited, a non-banking finance company (NBFC) that says it is dedicated to serving micro, small and medium enterprises. Its office address is in BTM Layout, Bengaluru, and it runs branches in several states.

Who runs it

The company says it aims to bridge the financing gap for the missing middle, businesses underserved by traditional financial institutions. Its own timeline says its journey began in 2010. Avijit Saha is listed as Managing Director and CEO since 2023. The company says it has been backed by Warburg Pincus since 2023, and its own About page reports an A+ credit rating in FY 2024.

Where it lends

The site says it operates in 12 states. Its pages give different branch and pincode counts, so no single figure is used here. Branches are listed on the Reach Us page.

Business loans

The business loan is the product for founders and owners of established or early-stage businesses. The page says it is built for business owners across industries, retailers and traders, manufacturers, service providers such as hotels, restaurants and repair shops, and salaried people in the MSME sector. It says the loan suits businesses from small and early starters to established firms. Typical uses listed are capacity expansion, property purchase, working capital, equipment or technology upgrades, debt consolidation and new opportunities. Tenure goes up to 15 years. A wide range of properties is accepted as collateral, and some products need at least 3 years in the current business.

Gold loans

The gold loan is a secured loan against gold jewellery. The page names retailers, manufacturers and service providers as the business users it serves. Loan amount depends on the gold's valuation, and tenure goes up to 12 months. Applicants whose business falls in a restricted profile are not eligible.

Other products

The site also lists home loans and personal loans. Those are aimed at individuals and are not covered here.

How to apply

The fastest stated route is the online loan request form on each product page. A missed call to the published number also gets a call back from a loan officer. Visitors can also visit the nearest branch. The business and gold loan pages do not state approval times, interest rates or selection criteria, so check those directly with the company.