Anika Enterprises is a trusted financial services company dedicated to helping individuals and businesses achieve their financial goals with confidence. Since our inception, we have focused on providing simple, transparent, and reliable loan solutions tailored to the unique needs of our clients.

With years of experience in the financial sector, we understand that every customer’s requirement is different. Our expert team works closely with clients to offer the right financial guidance, competitive loan options, and smooth approval processes, ensuring a stress-free experience from start to finish.

Founder -Pawan Arora & Co Founder -Raj Arora has 15+ Year of Experience in Finance Sector.

We Offer

Home Loan

A home loan (or mortgage) is borrowed money from a bank to buy, build, or renovate a property, repaid with interest via monthly installments (EMIs) over a set period, offering tax benefits and making homeownership accessible by funding most of the cost, with eligibility depending on income, age, and creditworthiness

Loan Against Property

A Loan Against Property (LAP) lets you borrow money by pledging your owned house, land, or commercial property as collateral, getting funds up to a percentage of its value (e.g., 75-80%) at lower interest rates than unsecured loans, for big expenses like business expansion, education, or medical needs, with repayment over several years.

Personal Loan

A personal loan is a type of unsecured loan that provides a lump sum of money which can be used for a variety of personal expenses, such as home renovations, weddings, medical emergencies, or travel. Unlike a home or auto loan, it typically requires no collateral and is granted based on the borrower's creditworthiness and ability to repay.

Business Loan

A business loan provides capital for a company's needs, from daily operations (working capital) to expansion, offering funds repaid over time via EMIs, helping manage cash flow, acquire assets, and build credit, with various types available like term loans, overdrafts, or government schemes (MUDRA) for MSMEs. These loans offer control over equity, unlike VC funding, but involve interest, processing fees, and repayment terms.

Car Loan

A car loan is borrowed money from a bank or lender to buy a vehicle, repaid monthly with interest, spreading the cost over time (typically 1-7 years). To get one, you need identity/address proof, income proof (pay stubs, bank statements), and a good credit score, with lenders paying the dealer upfront and you repaying the lender with fixed EMIs. Key factors are interest rate (~7.6% to 10%+ in India), tenure, and your ability to repay.

CC Limit / OD Limit

A "CC limit" (Cash Credit Limit) is a short-term business loan from a bank, allowing companies to withdraw funds up to a set amount (the limit) to manage working capital, like paying suppliers, even with a zero account balance, paying interest only on the drawn amount, typically secured by business assets. It's a revolving facility, renewed annually, offering flexibility but requiring collateral and strong financials.

Proffesioanl Loan

A Professional Loan is a specialized fund for self-employed experts like doctors, CAs, architects, and consultants to finance business needs (office setup, equipment, expansion) or personal expenses, offering quick access to capital, flexible repayment, and often lower rates for established professionals with minimal documentation.

Used Car Loan

A used car loan (or pre-owned car loan) is a financing option that allows you to purchase a second-hand vehicle by borrowing funds from a lender and repaying the amount in monthly installments (EMIs) over a predetermined tenure. These loans help make car ownership more affordable without a large upfront payment.

Education Loan

An education loan provides financial support to students for pursuing higher education in India or abroad, covering fees and other expenses. Interest rates typically range from 4% to 16% p.a., and the loans are available through major public and private sector banks, as well as government schemes.