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Business Model
Our business is to give loans, primarily for automobile vehicles that are contributing for commercial activity towards the economic development of the country.
Our aim is to help the customers who are not catered by banks and big players and so most of customers are single or two vehicle operators and end users. We approach our customer personally, understand their requirement and cater accordingly so that their business grows, and we also grow along with.
Our focus is mainly on the used vehicle segment and given the limited funds we have,we do our business only in Tamil Nādu.
We have our own very experienced and loyal staff, some of whom have been with us for more than 25 years who does the operations like sourcing /assessing the clients and collections thereafter are done personally and we don’t have any online platform for sourcing the business.
Our delivery mechanism also is very personalized, no third parties are involved.
We use latest technologies like SMSs / Email / Whatsapp messages to be in touch with the clients.
Credit Policy
Vijay Hemant Finance & Estates Ltd. (hereinafter referred to as “VHL” or “the Company”) is a public limited company incorporated under the provisions of the Companies Act, 2013 and is an Asset Finance Company holding a Non-Banking Financial Company license, registered with the Reserve Bank of India. VHL is engaged in the business of extending loans to entrepreneurs engaged in logistics with limited access to formal financial services. This Code has been formulated by pursuant to the Guidelines issued by the Reserve Bank of India in accordance with the Master Direction – Non-Banking Financial Company – Systemically Important Non-Deposit taking Company and Deposit taking Company (Reserve Bank) Directions, 2016.
Why Choose Us
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