Home Loan & LAP
- Purchase, construction, plot + build
- Balance transfer with top-up
- Loan against residential or commercial property
From7.35% p.a.
Home · Business · Personal · Vehicle · Cards & Insurance
One application. Every lender we work with.
We are a Direct Selling Agent for banks and NBFCs. You give your profile once — we match it to the lenders most likely to approve it, negotiate the rate, and stay with the file until disbursal.
✓ No fee charged by us
✓ One document set, many lenders
✓ Doorstep pickup of papers
✓ Straight answers on rejection risk
What we place
Four desks, one point of contact
Each product goes to a different set of lenders with different underwriting rules. Knowing which desk your profile fits is most of the job.
Personal & Business Loan
- Unsecured personal loan for salaried
- Business loan & working capital
- Overdraft and drop-line OD limits
From9.99% p.a.
Car & Two-wheeler
- New car — up to 100% on-road funding
- Used car and refinance
- Two-wheeler and EV finance
From7.45% p.a.
Cards & Insurance
- Credit cards matched to your spend pattern
- Term and health cover
- Loan protection and property insurance
IssuanceFree
Before you apply
Work out the EMI yourself
Move the sliders to see what the monthly outgo and the lifetime interest actually look like. Then send the working straight to us on WhatsApp.
₹50 K₹2 Cr
6%24%
1 yr30 yrs
Monthly EMI
₹ 25,221
50%interest
Principal₹ 30,00,000
Interest payable₹ 30,53,000
Total repayment₹ 60,53,000
Reducing-balance method, as used by banks. Processing fee, insurance and stamp duty are not included. Your sanctioned rate depends on credit score, income and the property or asset.
Lender panel
Indicative starting rates
These are the lowest advertised rates on our panel for well-rated profiles. Everyone is quoted a rate on their own file — treat this as a starting map, not a promise.
| Product | Starting rate | Ticket size | Tenure | Typical lenders |
|---|---|---|---|---|
| Home loanPurchase / construction / BT | 7.35% | ₹5 L – ₹10 Cr | Up to 30 yrs | Public sector banks, large private banks, housing finance companies |
| Loan against propertyResidential / commercial | 9.25% | ₹10 L – ₹15 Cr | Up to 15 yrs | Private banks and NBFCs |
| Personal loanSalaried, unsecured | 9.99% | ₹50 K – ₹40 L | 1 – 6 yrs | Private banks, new-age NBFCs |
| Business loanUnsecured / working capital | 11.00% | ₹1 L – ₹75 L | 1 – 5 yrs | Private banks, NBFCs |
| Car loanNew and used | 7.45% | ₹1 L – ₹1 Cr | 1 – 8 yrs | Banks, captive finance arms |
| Two-wheeler loanPetrol and EV | 9.70% | ₹20 K – ₹5 L | 1 – 4 yrs | NBFCs, select banks |
Rates as advertised in August 2026 and subject to change without notice. Floating-rate retail loans are linked to an external benchmark (usually the RBI repo rate), so your EMI can move during the tenure.
How a file moves
From first call to disbursal
STEP 01
Profile call
Fifteen minutes on income, obligations, credit score and what you are funding. We tell you upfront if the file is weak.
STEP 02
Lender match
We shortlist two or three lenders whose policy fits your profile and get a soft rate indication before any hard enquiry.
STEP 03
Login & verification
Documents collected from your home or office, file logged in, valuation and legal check tracked daily.
STEP 04
Sanction & disbursal
We read the sanction letter with you — rate, fees, prepayment terms — before you sign anything.
Paperwork
Keep these ready
Nine out of ten delays are document delays. Pick your profile below.
Questions we get every week
Plain answers
What does a DSA actually do, and who pays you?
A Direct Selling Agent sources and processes loan applications on behalf of banks and NBFCs. The lender pays us a commission after your loan is disbursed. You pay us nothing — your only costs are the lender's own processing fee, valuation and legal charges, which appear in your sanction letter.
Do you decide whether my loan is approved?
No. Sanction is entirely the lender's credit decision. What we control is which lender sees your file, how well it is presented, and how quickly queries are closed.
Will applying to several banks hurt my credit score?
Multiple hard enquiries in a short window can pull your score down. That is why we take a soft indication first and formally log in with one or two lenders only, not a scatter of applications.
What CIBIL score do I need?
Most retail lenders look for 750 and above for the best pricing. Between 700 and 750 you will usually get approved at a higher rate. Below 700 we look at secured options or a plan to repair the score first.
How much can I borrow on my salary?
As a rule of thumb, total EMIs including the new loan should stay under 50–60% of your net monthly income. For home loans the property value also caps it — lenders typically fund up to 75–90% of the agreement value.
How long does disbursal take?
Personal and pre-approved loans can disburse within a few days. Home loans and LAP take longer because of legal and technical valuation on the property — plan for two to four weeks from a complete file.
Should I ever pay an advance fee to get a loan approved?
Never. No genuine bank, NBFC or agent asks for cash to guarantee a sanction. All legitimate charges are debited by the lender and shown in writing. If anyone asks you for an advance to "clear" a file, walk away.
Free eligibility check
Tell us the basics
Fill this in and it opens a ready-written WhatsApp message to us. We reply with the lenders you qualify for and the rate band to expect — usually the same working day.