Registered under Companies Act, 2013 | RoC Chennai, Tamil Nadu Customer Care: customercare@avkscapital.com
Next Vision For Future

Empowering Your Growth With Flexible Financial Solutions

AVKS Capital Services Private Limited delivers tailored financial facilities designed for individuals, transport operators, farmers, doctors, and growing enterprises across Tamil Nadu.

Quick Loan Application

15

Tailored Financial Solutions

24-48 Hours

Fast Turnaround SLA

15+

Tamil Nadu Service Districts

100%

Transparent Operations

Simple & Transparent 4-Step Loan Process

Fast, hassle-free approval workflow designed for speed and convenience.

1

Online Application

Fill out the basic loan requirement form online or visit a local branch.

2

Document Verification

Submit basic KYC, financial statements, or asset details for evaluation.

3

Sanction Approval

Receive pre-approval terms with transparent rates and clear payback terms.

4

Direct Disbursement

Funds are credited directly to your registered bank account seamlessly.

Our Financial Solutions (15 Products)

Comprehensive credit support designed to meet your specific financial needs.

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1. Vehicle Loans

Financing passenger cars, LCVs, and commercial transport fleets with competitive terms.

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2. Farm Machinery Loans

Capital support for tractors, tillers, harvesters, and agricultural equipment.

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3. Construction Equipment

Financing excavators, backhoe loaders, tippers, and compaction machinery.

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4. Working Capital Lines

Short-term credit lines for traders, small manufacturers, and retail businesses.

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5. Gold Monetization

Instant cash liquidity against gold ornaments with secure vault storage.

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6. Two-Wheeler & EV Credit

Fast digital credit for personal motorbikes and eco-friendly EV scooters.

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7. Loan Against Property

High-value multi-purpose loans secured against residential or commercial real estate.

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8. Used Vehicle Refinancing

Refinancing and top-up capital on existing fleet assets to optimize liquidity.

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9. Micro-Housing Loans

Affordable credit for home extension, structural improvement, or rural housing.

☀️

10. Solar & Clean Energy

Financing for rooftop solar panels, solar agricultural pumps, and green setups.

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11. Invoice Discounting

Unlock immediate working capital against unpaid corporate bills and receivables.

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12. Doctor & Professional Loans

Customized collateral-free loans for medical setups, equipment purchase, and clinics.

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13. Education & Skill Finance

Higher studies funding and professional certification courses for aspiring students.

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14. Commercial Property Purchase

Long-term asset financing for purchasing shops, offices, and industrial premises.

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15. Purchase Order (PO) Finance

Pre-shipment credit backing suppliers and contractors with confirmed orders.

What Our Clients Say

Empowering livelihoods across Tamil Nadu.

"AVKS Capital helped me purchase my second tractor right before the harvesting season. The loan processing was fast, and the repayment schedule fits my crop harvest cycles perfectly."
K
K. Murugan
Agri-Entrepreneur, Trichy
"Refinancing my LCV fleet through AVKS allowed me to expand into new delivery routes. Transparent paperwork with no hidden fees."
S
S. Rajendran
Fleet Owner, Madurai
"Got my working capital loan sanctioned within 48 hours for stocking Diwali inventory. Extremely supportive team in Coimbatore."
A
Anitha Subhash
Retail Business Owner, Coimbatore

About AVKS Capital Services

Incorporated under Companies Act, 2013 on January 25, 2024 (RoC Chennai, Tamil Nadu).

Company Overview

AVKS Capital Services Private Limited was established to bridge credit requirements across urban, semi-urban, and rural markets.

Whether funding a commercial vehicle, supporting a farmer with tractor financing, or providing MSMEs with flexible working capital, AVKS delivers transparent, accessible, and compliant financial solutions tailored to individual customer needs.

We leverage localized credit underwriting, streamlined digital workflows, and deep regional relationships to empower individuals and small businesses across Tamil Nadu.

Core Values & Pillars

Principles that guide our financial services.

🤝

Customer Centricity

Designing flexible credit structures tailored around seasonal cashflows, farming cycles, and business growth.

⚖️

Integrity & Transparency

No hidden charges, clear terms of repayment, and strict adherence to regulatory standards.

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Speed & Efficiency

Minimizing turnaround times through efficient paperless evaluations and prompt disbursements.

Comprehensive Financial Portfolio (15 Facilities)

Detailed product specifications, target customer groups, and documentation requirements.

1. Vehicle Loans

Covers passenger vehicles, light/heavy commercial trucks, and taxi fleets.

  • Tenure: 12 to 60 Months
  • Target: Drivers, Transport Fleet Owners & Individuals
  • Docs Required: Aadhaar, PAN, Bank Statements (6 Mos), Vehicle Quotation

2. Farm Machinery & Tractors

Tractors, harvesters, tillers, and agricultural equipment.

  • Tenure: Harvest-linked up to 48 Months
  • Target: Farmers & Agri-Enterprises
  • Docs Required: KYC, Chitta/Adangal, Agri-Income Proof, Machinery Invoice

3. Construction Equipment

Backhoe loaders, excavators, tippers, and compaction gear.

  • Tenure: 24 to 48 Months
  • Target: Infrastructure Contractors & Builders
  • Docs Required: Business Registration, Work Orders, Bank Statements

4. MSME Working Capital

Revolving lines for inventory purchases, seasonal demand, and cash flow.

  • Tenure: 12 to 36 Months
  • Target: Retail Traders & Small Manufacturers
  • Docs Required: GST Returns, Financial Statements, Shop License

5. Gold Monetization

Express cash liquidity against gold ornaments in secure vaults.

  • SLA: Same-day Disbursement
  • Tenure: 3 to 12 Months
  • Docs Required: Basic Identity Proof & Gold Ornaments Appraisal

6. Two-Wheeler & EV Credit

Financing for personal motorbikes, commuter bikes, and electric vehicles.

  • Subsidized EV Rates: Available
  • Tenure: 12 to 36 Months
  • Docs Required: Aadhaar, Salary Slip/Income Proof, Proforma Invoice

7. Loan Against Property (LAP)

High-ticket capital secured against residential or commercial real estate.

  • Tenure: 24 to 120 Months
  • Target: Property Owners & Business Operators
  • Docs Required: Title Deeds, EC, Property Tax Receipts, Income Documents

8. Used Vehicle Refinancing

Refinance fleets or get top-up loans on existing commercial vehicles.

  • Tenure: 12 to 36 Months
  • Target: Fleet Operators & Pre-Owned Vehicle Buyers
  • Docs Required: Existing Vehicle RC, Insurance Copy, Fitness Certificate

9. Micro-Housing Loans

Capital for home repair, structural extension, or rural housing projects.

  • Tenure: 24 to 84 Months
  • Target: Self-Employed & Rural Families
  • Docs Required: Proof of Property Ownership, Estimate Cost of Renovation

10. Solar & Clean Energy

Financing rooftop solar PV setups, agricultural solar pumps, and clean energy setups.

  • Green Finance: Preferential Interest Options
  • Tenure: 12 to 60 Months
  • Docs Required: Solar Vendor Quotation, Electricity Bill, Property Documents

11. Invoice Discounting

Convert outstanding corporate invoices into immediate cash working capital.

  • Tenure: 30 to 120 Days
  • Target: Vendors, Suppliers & Logistics Providers
  • Docs Required: Verified Corporate Invoices, Bank Statements, GST Returns

12. Doctor & Professional Loans

Specialized credit lines for doctors, CAs, architects, and healthcare setups.

  • Tenure: 12 to 60 Months
  • Target: Medical Practitioners & Licensed Professionals
  • Docs Required: Professional Qualification Certificate, KYC, Bank Statement

13. Education & Skill Finance

Financing vocational skills, technical courses, and higher education tuition.

  • Tenure: 12 to 48 Months
  • Target: Students & Working Professionals
  • Docs Required: Admission Letter, Fee Structure, Co-Applicant Income Proof

14. Commercial Property Loan

Long-term property financing for buying shops, office units, and warehouses.

  • Tenure: 36 to 120 Months
  • Target: Retailers, Enterprises & Investors
  • Docs Required: Agreement to Sell, Property Documents, Financial Audit

15. Purchase Order (PO) Finance

Pre-execution funding to help manufacturers complete large corporate contracts.

  • Tenure: 30 to 90 Days
  • Target: Manufacturers, Contractors & Sub-Contractors
  • Docs Required: Confirmed Purchase Order, Supplier Quotations, Bank Statement

Financial Product Comparison Matrix

Quick reference guide for loan limits, tenures, and security requirements.

Loan Facility Max Sanction Limit Max Tenure Primary Security
1. Vehicle Loans Up to ₹ 50 Lakhs 60 Months Vehicle Hypothecation
2. Farm Equipment Up to ₹ 25 Lakhs 48 Months Equipment Hypothecation
3. Heavy Machinery Up to ₹ 1.5 Crores 48 Months Asset Hypothecation
4. Working Capital Up to ₹ 30 Lakhs 36 Months Business Revenue / Stock
5. Gold Loan Up to ₹ 20 Lakhs 12 Months Gold Ornaments Appraisal
6. Two-Wheeler & EV Up to ₹ 3 Lakhs 36 Months Vehicle Hypothecation
7. Loan Against Property Up to ₹ 2 Crores 120 Months Equitable Property Mortgage
8. Used Fleet Refinance Up to ₹ 40 Lakhs 36 Months Commercial RC Lien
9. Micro-Housing Credit Up to ₹ 15 Lakhs 84 Months Property Document Lien
10. Solar Clean Energy Up to ₹ 20 Lakhs 60 Months Solar Asset Hypothecation
11. Invoice Discounting Up to ₹ 50 Lakhs 120 Days Corporate Invoice Receivables
12. Doctor / Professional Up to ₹ 25 Lakhs 60 Months Collateral-Free / Practice Proof
13. Education & Skill Up to ₹ 10 Lakhs 48 Months Co-Applicant Income Assurance
14. Commercial Property Up to ₹ 1.5 Crores 120 Months Mortgage of Purchased Asset
15. Purchase Order Finance Up to ₹ 35 Lakhs 90 Days Verified Corporate PO Rights

Interactive Loan EMI Calculator

Estimate your monthly repayments and total interest costs.

6 Months 36 Months 120 Months
Monthly EMI

₹ 16,491

Total Interest

₹ 93,680

Total Payable

₹ 5,93,680

■ Principal Amount ■ Interest Amount

Online EMI & Loan Payment Collection Portal

Quick, secure, and hassle-free EMI repayments for existing AVKS loan accounts.

📲 UPI / QR
💳 Net Banking
🏛️ Debit Card
🔒 256-Bit SSL Encrypted & RBI Compliant Payment Processing

Regional Service Hubs

Serving key districts across Tamil Nadu through local credit hubs.

📍 Corporate Headquarters

Chennai Region
RoC Jurisdiction: Chennai, Tamil Nadu
Focus: Transport Fleets, Supply Chain Finance, LAP & Gold Monetization

📍 Southern Region Hub

Madurai Circle
Serving: Madurai, Dindigul, Virudhunagar, Theni
Focus: Vehicle Loans, EV Financing & Doctor Loans

📍 Western Region Hub

Coimbatore & Salem Circle
Serving: Coimbatore, Tiruppur, Erode, Salem
Focus: Heavy Machinery, Working Capital & PO Finance

📍 Central Region Hub

Tiruchirappalli Circle
Serving: Trichy, Thanjavur, Pudukkottai, Karur
Focus: Agricultural Machinery & Tractor Finance

Online Application

Submit your details to start the pre-approval process.

Frequently Asked Questions

Common inquiries regarding our loans, procedures, and payment terms.

Q: How do I apply for a loan with AVKS Capital Services?

A: You can submit an online application via our website or visit any of our regional credit hubs across Tamil Nadu.

Q: What is the processing time for loan approval?

A: Standard applications are processed and pre-approved within 24 to 48 working hours upon complete document submission.

Q: What are the primary documents required for evaluation?

A: Basic KYC (Aadhaar & PAN card), income/bank statements for the past 6 months, and relevant asset or collateral documentation.

Q: How are loan EMI payments collected?

A: You can pay your EMI online through our Collect EMI tab using UPI, Net Banking, Debit Cards, or via automated NACH e-mandate.

Q: Are there pre-payment or foreclosure options available?

A: Yes, pre-payment choices are structured in accordance with product terms and transparent guidelines.