SMART INVESTMENTS, STRATEGIC LENDING, SUSTAINABLE GROWTH
Founded in 1996, Gajet Financial Services delivers transparent, dependable investment and credit solutions designed to empower aspirations, support businesses, and enable sustainable financial growth.
Capital structured around your ambition.
Purpose-built credit solutions structured around your business or personal capital requirements, backed by responsive appraisal and disciplined service standards.
Business & MSME Loans
Flexible working capital, equipment acquisition, and business expansion credit structured to foster commercial growth.
- Working capital & machinery finance
- Tailored for micro and small enterprises
- Fast-track documentation and appraisal
Gold Loans
Maximum collateral loan value with immediate spot evaluation, minimal documentation, and zero hidden charges.
- Up to 80% collateral market value
- Instant spot appraisal & disbursal
- Zero processing or ledger charges
Personal Loans
Reliable retail credit facilities structured to meet personal emergencies, medical requirements, or planned family events.
- Minimal KYC and documentation steps
- Quick, responsive credit sanctioning
- Structured and transparent repayment
Vehicle & Equipment
Financing options for commercial fleets, private vehicles, and industrial machinery with flexible tenure arrangements.
- Commercial & personal vehicle credit
- Equipment and machinery financing
- Predictable tenure and repayment terms
Sanctions delivered with institutional precision.
We have eliminated bureaucratic delays. From initial inquiry to final account credit, our 4-stage lending lifecycle is engineered for speed, absolute transparency, and zero hidden penalties.
Application & KYC
Submit basic identity proof and loan requirements through our online portal or at any of our 12+ Kerala branch counters.
Appraisal & Valuation
Instant valuation of gold collateral or swift assessment of business cash flow with disciplined, fair evaluation standards.
Clear Terms Sanction
Receive a formal credit offer with zero hidden processing charges, transparent interest rates, and structured repayment tenures.
Instant Fund Transfer
Immediate account credit via secure NEFT/RTGS or spot counter payout, backed by our 30-year operational heritage.
Credit outcomes, measured in momentum.
Representative borrower experiences across enterprise and personal finance facilities.
“Seamless capital allocation for our wholesale distribution inventory cycle within 48 hours.”
“Complete transparency on collateral valuation slabs with zero hidden ledger charges.”
“Fast turnaround on commercial fleet financing requirements with professional loan servicing.”
Operated under strict RBI NBFC fair-practice regulatory frameworks. License B-16.00111.
All applicable terms and evaluation slabs are disclosed upfront before agreement execution.
Direct disbursement documentation with no undisclosed processing, appraisal, or penalty fees.
Grounded in integrity. Steered by three decades of banking acumen.
Gajet Financial Services is steered by career finance professionals and seasoned banking officers dedicated to ethical credit access and transparent wealth preservation across Kerala.
“Building trust through transparent finance, responsible lending, and solutions designed for sustainable growth.”
Our journey began in 1996 in Thrissur, Kerala, with an enduring purpose: to make capital accessible, transparent, and respectful of the borrower’s aspirations. Under Mr. Prathapan's stewardship, Gajet has expanded into a 12+ counter branch network spanning Ernakulam, Thrissur, Trivandrum, and Kollam, guided by strict adherence to RBI non-banking financial frameworks and active community welfare initiatives.
Mr. Vaisakh Vijayan
Director
Extensive executive track record across leading Kerala NBFCs, directing credit policy, regulatory alignment, and sustainable branch expansion.
Mr. Sivakumar, CA
Chartered Accountant & Shareholder
Vast audit and statutory financial expertise, steering balance sheet resilience, regulatory audit compliance, and investor capital discipline.
Mr. Somaraja Panikker
Senior AGM (Ex-SBI Officer)
28 years of State Bank of India service, 10 years of international treasury experience, and over 5 years leading NBFC administrative operations.
Operational Heads
Mr. Anuraj (Gold Loans) & Mr. Sujit (NCDs)
Seasoned department leaders overseeing disciplined spot gold valuation protocols, secured debenture placements, and regional branch desk governance.
Start a confidential enquiry.
Share a few details and our credit advisory team will contact you to discuss fit, documentation, and next steps.
- No obligation to proceed
- Secure, consent-led enquiry
- Dedicated finance advisor