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Vardhman Private

Private Client Lending

Exclusive credit structures for the exceptional few. Financing your passions, investments, and legacy with absolute discretion.

Request Invitation Explore Services
By Invitation Only Asset-Backed Global Structures

Beyond Standard Banking

For the Ultra High Net Worth individual, standard banking products are often restrictive. Vardhman Private Client Lending offers bespoke credit solutions that recognize the complexity and scale of your wealth.

Whether you are acquiring a holiday estate in Goa, financing a private jet, or leveraging your fine art collection for liquidity, our private bankers craft structures that align with your tax and investment strategies.

Bespoke Solutions:

  • Aviation & Marine: Financing for jets and yachts.
  • Art Finance: Liquidity against blue-chip art.
  • Luxury Real Estate: High-value mortgages.
  • ESOP Financing: Funding to exercise stock options.

Why Vardhman Private

Discretion, Speed, and Sophistication.

Absolute Privacy

We operate with the highest levels of confidentiality. Your financial dealings remain private.

Global Collateral

Ability to accept collateral across jurisdictions (subject to FEMA regulations).

Tailored Structure

Balloon payments, interest-only periods, and currency choices tailored to your cash flow.

Dedicated Banker

A senior private banker assigned 24/7 to manage your credit requirements personally.

Engagement Criteria

01

Profile

Family Offices, UHNIs, and Promoters of Listed Entities.

02

Net Worth

Minimum investable surplus of ₹10 Crores.

03

Deal Size

Minimum ticket size for private lending is ₹2 Crores.

04

Referral

Engagement typically initiated via referral from existing clients or wealth managers.

Required Information

  • Net Worth Statement Certified by a Chartered Accountant.
  • Asset Details Valuation reports for art, vintage cars, or real estate to be financed.
  • Income Tax Returns Last 3 years personal and entity returns.
  • KYC Enhanced Due Diligence (EDD) documents.

Lending Matrix

Indicative terms for our private clients.

Asset Class Typical Terms
Luxury Real Estate LTV up to 70% | Rates from 8.25% | Tenure up to 15 Years
Fine Art LTV up to 50% | Rates from 11% | Tenure 12-36 Months
Promoter Funding LTV up to 40% of Share Value | Rates from 9.5%
Private Aircraft LTV up to 80% | Custom Amortization | USD/INR Loans
Processing Fee Customized based on deal complexity and size.

Engagement Model

A relationship-driven approach.

1

Consultation

Private meeting to understand your capital requirement.

2

Structuring

We design a credit structure that optimizes your tax and liquidity.

3

Diligence

Discreet verification of assets and legal parameters.

4

Execution

Funds disbursed with complete confidentiality.

The Vardhman Advantage

We don't just lend; we connect. As a client, you gain access to our network of legal experts, art curators, and investment bankers.

Single Point Contact

One senior banker handles all your requirements.

Quick Decisioning

Direct access to the credit committee for rapid approvals.

Vardhman Mobile App

Frequently Asked Questions

Do you offer cross-border financing?

Yes, we can structure loans against assets located in India for NRIs, or against foreign assets through our global partners, subject to RBI guidelines.

What is the minimum loan amount?

Private Client Lending services are typically applicable for credit requirements starting from ₹2 Crores and upwards.

Is a personal guarantee required?

This depends on the asset quality and LTV. For high-quality collateral, we can often structure non-recourse or limited-recourse financing.

A Conversation Awaits

Arrange a confidential meeting with our private banking team.

Contact Private Desk