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What is the meaning of insurance?

Insurance is a protection against financial loss arising on the happening of an unexpected event. Insurance companies collect premiums to provide for this protection and losses are paid out of the premiums collected from the insuring public.

Why do I need insurance?

Insurance is a hedge against the occurrence of unforeseen incidents. Insurance products help you in not only mitigating risks but also helps you by providing a financial cushion against adverse financial burdens suffered.

What does General Insurance do for me ?

Accidents... illness... fire... financial securities are the things you'd like to worry about any time. General Insurance provides you the much-needed protection against such unforeseen events. Unlike Life Insurance, General Insurance is not meant to offer returns but is a protection against contingencies. Under certain Acts of Parliament, some types of insurance like Motor Insurance and Public Liability Insurance have been made compulsory.

Why should one cover oneself immediately ?

Accidents and mishaps can occur anytime and anywhere. It is important to identify the risks faced and insure oneself against these at the earliest.

What is a Premium ?

Premium is the fixed amount of sum paid over the period by the insured to the insurance company to take insurance policy and to complete the contract of insurance.

What is deductible ?

The amount, which the insured has to bear in all cases and this amount is first, deducted from the total assessed payable claims amount before determining insurance company's liability.

What is underwriting?

Underwriting of a risk involves consideration of material facts on the basis of which a decision will be taken whether to accept the risk and if so at what rate of premium.

What is Reinsurance ?

It is an arrangement by which insurance companies spread their risk with other underwriters or reinsurance companies called Reinsurance.

What is look in / free look period. Is there such a period available in this policy?

The look in /free-look provision to a policy means a customer has 15 days/or as given by the company from the date of the policy's receipt to revisit his purchase decision. This would essentially mean that the policyholder has the time to go through the policy fine-print, understand how the policy is going to work and convince himself that he needs such a policy before deciding to commit funds every year over the plan tenure. The objective Make the process of buying insurance transparent, easy and fulfilling for the customer, rather than leaving him with the feeling that he has picked up what he would have otherwise not needed. Exercising the option If a customer does decide within the 15-day free-look period that the policy he purchased is not suited to his requirements, the policy can be returned to the company. However, generally the entire premium paid by him is not refunded. Costs incurred by the insurance company in the form of stamp duty charges and the cost of a medical check-up, if any, is deducted before the payout is made. Additionally there might also be a deduction of risk cover charges on a proportionate basis — that is, as the life of the policyholder has been covered till such time he decides to return the policy, risk cover charges for this period may also be applicable.

What is the period of General Insurance policies ?

Typically General Insurance contracts are for one year period only.

How can I renew the policy ?

Approach the insurance company well in advance before your expiry date of your policy. Seek an approval from the company on the intention of renewing your policy if you have not received a renewal letter / intimation Seek premium & other relevant details Pay the premium and take premium receipt and cover note/risk held note Wait for documents Check for its correctness on receipt and store it carefully In case of denial for renewal Seek an explanation from the company Clarify doubts if any Find any other company if the existing insurer doesn't renew.

Constrution Equipment Loan

What will my interest rate be?

Our interest rate starts from 9%* and it varies basis customer profile/Assete etc.

What are the benefits of DealGini Construction Equipment Finance?

You can avail several benefits from DealGini’s Construction Equipment Finance. We offer up to 100% finance for construction equipment at attractive interest rates, flexible tenure, more straightforward documentation, quick processing, reduced down payments and customised EMI payments.

How to use this EMI Calculator?

Visit : and do the following: • Use the slider for selecting the loan amount • Select the loan tenure in months using the slider • Move the slider and select the interest rate • EMI will be calculated immediately when you move the sliders • You can recalculate your EMI anytime by changing the input sliders

Who is eligible to avail a Construction Equipment Finance from DealGini?

The minimum requirements to avail the loan are as follows: • Must be 18 to 60 years old. • Must be in Construction Or Hiring or related business. • Must have a stable work order in Construction and related business for a minimum of 6 months.

How long will it take to sanction the loan?

DealGini usually takes three business days to get the loan sanctioned after submitting all the documents. However, it varies with factors such as the type of loan you opt for, the measure of funding, amount, etc.

Is there any security or collateral required to get a construction equipment loan?

No collateral is required, as the construction equipment purchased becomes the security for the loan availed.

What is the credit score required to get the loan?

Income capacity and financial stability are essential for business ventures or any individual. However, you can get the best offers and attractive interest rates with a good credit score.

Commercial Vehilce Loan

Can I avail a commercial vehicle loan if I do not meet the eligibility criteria?

Yes. If you do not fulfil the eligibility criteria, you can still avail the loan by applying for the loan with a co-applicant. If the credit and financial profile of your co-applicant is satisfactory, you may be eligible to get a loan. However, it will be at the discretion of the lender.

Do I need to provide a guarantor for availing a commercial vehicle loan?

Yes, you will need a guarantor to avail a commercial vehicle loan. This criterion can, however, be waived off depending on your credit and profile strengths.

If I want to avail a commercial vehicle loan, who can be my co-applicants?

The co-applicants on a commercial vehicle loan could be your spouse, sibling, or your parents.

Can I sell the vehicle before I repay the loan?

No, you will not be able to sell the vehicle unless the entire loan amount has been repaid. Once the outstanding amount is cleared, the bank/lender will issue a No-Objection Certificate (NOC) post which the vehicle can be sold.

After I pay the last EMI, will I get the legal claim on the vehicle?

After the payment of the last EMI, the bank will cancel the lien on the commercial vehicle and issue a loan closure letter, Form 35, and a No Objection Certificate (NOC) to the RTO for removing the lien from the RC book. Then a similar NOC will be issued to the insurance firm requesting them to remove the lien from the policy.


What are the services provided in Consultancy?

We provide Banking and Loan related services viz CC/BG/Term Loan/ SME/MSME /Mudra Loan and Asset sale related service like Imported crane and Used crane sale , Repo asset sale and finance, new asset marketing etc

How Can I avail the consultancy services?

You can call us @ 81003 44662 / Or Email Us - or Fill the form and we will get in touch with you.

What are the options available in Bank and NBFC?

Currently we are doing business with Bank of Baroda/ Yes Bank/ ICICI Bank/ TATA Capital Ltd / Hindua Finance .

Your Account

How do I Login to My Account portal?

You can Log in through your Google account by following the instructions

What is Client ID for My Account portal?

Your Google Account Email ID will be your user ID and password will be Google password.

Can I cancel my account any time?

Yes you can cancel your account any time.

CIBIL Credit Score

What is CIBIL? What does it do?

TransUnion CIBIL Limited is India’s first Credit Information Company, also commonly referred as a Credit Bureau. They collect and maintain records of individuals’ and commercial entities’ payments pertaining to loans and credit cards. These records are submitted to CIBIL by banks and other lenders on a monthly basis; using this information a CIBIL Score and Report for individuals is developed, which enables lenders to evaluate and approve loan applications. /p>

Why is my CIBIL Score important for getting my loan sanctioned?

The CIBIL Score plays a critical role in the loan application process. After an applicant fills out the application form and hands it over to the lender, the lender first checks the CIBIL Score and Report of the applicant. If the CIBIL Score is low, the lender may not even consider the application further and reject it at that point. If the CIBIL Score is high, the lender will look into the application and consider other details to determine if the applicant is credit-worthy. The CIBIL Score works as a first impression for the lender, the higher the score, the better are your chances of the loan being reviewed and approved. The decision to lend is solely dependent on the lender and CIBIL does not in any manner decide if the loan/credit card should be sanctioned or not.

What is a CIBIL Score and what factors affect my CIBIL Score?

CIBIL Score is a 3 digit numeric summary of your credit history, derived by using details found in the ‘Accounts’ and ‘Enquiries’ sections on your CIBIL Report and ranges from 300 to 900. The closer your score is to 900, the higher are the chances of your loan application getting approved. It is based on 36 months of your credit history.

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