FAQ
Frequently asked questions
Find quick answers to common questions about our loan products, eligibility, and application process.
We offer a comprehensive range of financial products including Home Loans, Personal Loans, Business Loans, Loan Against Property (LAP), OD/CC facilities, Project Loans, Bank Guarantees and Insurance, tailored to meet your specific needs.
Typically, loan approvals take between 24 to 48 hours after all required documents are submitted. However, complex cases like large business loans or LAP might take 3–5 working days.
Standard documentation includes KYC (Aadhaar/PAN), address proof, last 6 months' bank statements, and income proof (latest 3 months' salary slips for salaried, or last 2–3 years' ITR for self-employed individuals).
Yes, absolutely. Self-employed professionals and non-professionals can apply. We evaluate eligibility based on business vintage, annual turnover, and Income Tax Returns (ITR).
Basic eligibility requires the applicant to be an Indian citizen, aged between 21 and 65 years, with a stable source of income and a satisfactory credit history.
No, our initial consultation and advisory services are completely free of charge. We earn our revenue directly from our partner banks and NBFCs upon successful loan disbursal.
Yes, we facilitate Balance Transfers (BT) which allow you to move your existing high-interest loan to a new lender offering lower interest rates, potentially saving you significant money.
A Loan Against Property (LAP) is a secured loan where you pledge your commercial or residential property as collateral. It usually offers lower interest rates and higher loan amounts compared to unsecured loans.
We have established tie-ups with 50+ leading banks and Non-Banking Financial Companies (NBFCs) across India, ensuring you get the most competitive rates and terms available in the market.
The process involves: 1) Initial consultation to assess needs, 2) Document collection, 3) Application submission to the chosen bank, 4) Verification and credit appraisal, 5) Sanction, and 6) Final disbursal.
While a CIBIL score of 750 and above is considered ideal and fetches the best interest rates, we also have specialised tie-ups with NBFCs that cater to individuals with lower credit scores or no credit history.
We employ bank-grade encryption and strict data privacy protocols. Your documents and personal information are securely transmitted only to the respective financial institutions for loan processing purposes.