How long does loan approval take? ▾
Most personal loans get in-principle approval within 24 hours.
Home loans typically take 3–7 business days. Business loans depend
on the complexity of the case. We have the fastest approval track
record in our network.
Do you charge any fees for your services?
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Our financial advisory and loan facilitation service is absolutely
free for borrowers. We are compensated by the lending institution,
not by you. There are no hidden charges — ever.
What documents are required for a home loan?
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For salaried applicants: PAN card, Aadhaar, last 3 months salary
slips, 6 months bank statements, Form 16, and property documents.
For self-employed: PAN, Aadhaar, last 2 years ITR with
computation, balance sheet, bank statements. We guide you through
the complete list.
Can I get a loan with a low CIBIL score?
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We work with lenders who cater to applicants with lower CIBIL
scores (650–700). We also offer free CIBIL score improvement
guidance. Contact us and we'll assess your profile honestly and
suggest the best path forward.
Do you offer loans to NRIs? ▾
Yes! We have dedicated NRI loan products for home loans, property
purchases, and investment-linked insurance products. NRI
applicants need a valid Indian passport, overseas employment
documents, and NRE/NRO bank account details.
How can I track my loan application status?
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Your dedicated relationship manager provides regular status
updates via WhatsApp and phone. Once the application is submitted
to the lender, we share the lender's tracking reference number so
you can monitor directly as well.
What negative credit statuses lead to loan rejection?
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Any account with negative statuses on the credit bureau report results in an automatic rejection. This includes statuses like Write Off, Suit Filed, Wilful Defaulter, Settled, Post Settled, SMA, DBT, LSS, or Restructured. Additionally, New-to-Credit (NTC) applicants with no prior credit history are currently not eligible.
How do delayed payments (DPD) impact my loan eligibility?
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Your application will be rejected if you have significant delayed payments. Specifically, rejection occurs if you were 30+ days late on any payment in the past 12 months, 60+ days late in the past 24 months, or 90+ days late in the past 36 months. Also, if your most recently reported payment is overdue (even by 1 day), you've made a payment in the last 3 months, and there's still an outstanding overdue amount, the application is rejected.
Can current overdues on credit cards or other loans cause a rejection?
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Yes. If your current overdue amount exceeds ₹10,000 on credit cards or ₹5,000 on other loans, the loan application will be rejected.
Are there restrictions based on my recent loan enquiries or unsecured loans?
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Yes. Rejection occurs if you have: more than 1 unsecured loan (₹50,000+) or >2 unsecured loans (>₹10,000) opened in the last 6 months; more than 3 active unsecured loans (₹50,000+) reported in the last 6 months; >1 personal loan (>₹50,000) opened in the last 3 months; more than 5 open personal loan accounts in total; or if you've made more than 5 unsecured loan enquiries in the past 1 month.
