Loans
Personal loans, business loans, home loans, loans against property and car loans — compared, negotiated and documented by our desk across 40+ banks and NBFCs, plus credit cards from leading banks. Amounts and rates are indicative bands for planning; your actual terms depend on lender appraisal and the security offered.
WHO TYPICALLY QUALIFIES
Every lender has its own criteria, but a strong file usually clears most of them. If your profile falls short, we will tell you what to fix first.
Income & stability — salaried applicants with a steady employer and regular salary credits; self-employed applicants with at least 2 years in business and filed returns.
Repayment capacity — an EMI that leaves headroom in your monthly budget, after the loans and cards you already carry.
Credit score — 700+ is comfortable. 650–700 is workable with the right structure and security. Below that we will be candid about options.
Security — for home loans and loans against property the property itself is the security, and for a car loan the vehicle. Personal loans and most credit cards need none.
Business loans — GST registration, MSME/Udyam or trade licence, and audited or CA-certified financials for the last 2 years.
WHAT TO KEEP READY
You do not need everything to start. Send what you have — we will tell you the rest.
• PAN and Aadhaar
• Salary slips for the last 3 months, or ITR for the last 2 years
• Bank statements, last 6–12 months
• Existing loan sanction letters, if any
• Property papers, for a home loan or loan against property
• Dealer quotation, for a car loan
• GST certificate and financials, for a business loan
ANSWERS BEFORE YOU APPLY
Will applying affect my credit score?
Not through us. We do not run soft or hard credit checks without written consent. Lender enquiries we make on your behalf are regular credit-appraisal requests — confirm the specifics with each lender before authorising.
Do I need collateral?
Not always. Personal loans are unsecured, and unsecured business loans are available up to a meaningful ticket size for established businesses with strong cash flow. Secured facilities generally widen the amount and narrow the rate band. We will show you both routes so you can choose.
How much does your service cost?
Lender referral fees are disclosed to you in writing before an application is submitted. Our own advisory fee is separate, quoted as a fixed figure, and agreed before work begins.
What happens if my application is rejected?
We explain the specific reason, tell you which lenders were open and why, and give you a prioritised list of what to strengthen before resubmitting.
Do you handle NRI borrowers and foreign assets?
Yes. Our NRI desk handles overseas income documentation, foreign collateral valuation and remittance structuring with the relevant lenders, subject to FEMA and each lender's own remittance policy.