Straight answers, including the unwelcome ones
Most questions we get come down to three things: what you qualify for, what it costs, and why a bank said no. Everything below is answered the way we would answer it on the phone.
Questions we get asked most
Filter by topic, or read straight through. If yours is not here, ask it on the phone — you will get a straight answer, not a sales pitch.
Speak to one of our ex-bankers directly. No call centre, no scripts.
Call +91-9810454531All the public sector banks — Punjab National Bank, Union Bank of India, Canara Bank, Bank of India, Bank of Baroda, State Bank of India, Central Bank of India, UCO Bank, Indian Bank, Indian Overseas Bank, Bank of Maharashtra and Punjab & Sind Bank — along with selected private lenders and HFCs where they genuinely suit a case better.
Lower rates over long tenures, better treatment of prepayment, and access to subsidy and guarantee schemes that private lenders simply do not offer. The trade-off is that public sector banks expect a properly prepared file — which is the part we handle.
On secured loans the ceiling is the lower of two numbers: the LTV the lender allows against the property, and the EMI your income supports — usually capped so total EMIs stay within 50–60% of net monthly income. On a business loan it is driven by turnover, profitability and vintage. We will give you a realistic range on the first call.
750 and above puts you in the best pricing band nearly everywhere. 700–749 is workable at most lenders. Below 700 the options narrow but do not disappear, particularly on secured products. What matters as much as the number is why it is what it is.
It is not our focus. We specialise in secured retail lending, government schemes and business finance — where preparation makes a real difference to the outcome. If a personal loan is genuinely the right answer for you, we will say so, even though it is not what we do.
Mudra (PMMY), PMEGP, CGTMSE, CLCSS and the Stand-Up India Scheme — including the subsidy and guarantee components that borrowers most often miss when they apply on their own.
No. KVIC routes the margin money to your bank branch through the nodal bank, and it is credited to your account only after the three-year lock-in and a satisfactory physical verification. Until then it sits against the loan. Anyone telling you the subsidy arrives upfront has misunderstood the scheme.
Sometimes. CGTMSE guarantee cover in particular layers into other structures. But PMEGP explicitly excludes units that have already taken a government subsidy under PMRY, REGP, CMEGP or PMEGP itself, and projects financed jointly by two institutions are not eligible for margin money. Which combinations work is case-specific.
Only if you are an SC/ST or woman entrepreneur setting up a greenfield project — your first venture in that line. For a non-individual entity, SC/ST or women entrepreneurs must hold at least 51% of both shareholding and controlling stake. An existing business expanding does not qualify.
A retail loan typically runs three to six weeks from a complete file to disbursement. Government scheme cases and project finance take longer, because subsidy approval and DPR appraisal sit in the middle. Anyone promising funds in 24 hours is not describing public sector bank lending.
Broadly: KYC (PAN, Aadhaar), income proof (ITR for two to three years, or salary slips and Form 16), six to twelve months of bank statements, and property papers for anything secured. The exact list varies by product — each service page carries its own.
Enquiring with us does not — no credit check is run when you submit our form. A bureau enquiry happens only when a lender is formally approached. Scattering applications across several banks in a short span does mark your report, which is exactly why we place one properly prepared file instead.
In most cases, yes — it is our most common type of case. Rejections almost always trace to CIBIL, income documentation, banking conduct or the property. Our expertise page covers all four. Send us the case and we will tell you honestly whether it can be placed, and with which bank.
The initial eligibility assessment is free. If we take the case on, fees are agreed in writing before any work begins. You will not find a charge you were not told about, and we do not ask for money to “release” a sanction — no legitimate intermediary ever does.
Nineteen states across all four regions, with offices in Faridabad, Gurugram and Delhi. Public sector credit policy is national, so cases outside those states are often still placeable — see pan-India presence for the full list.
We monitor referred accounts, assist with limit renewals and expansion funding, and support EMI collection. Working capital limits in particular are reviewed annually — and that renewal is where businesses most often lose limit they should have kept.
Yes. Your financials are seen by the team working your case and submitted only to lenders you agree to approach. They are not circulated, sold or shared otherwise.
Financial advisors, real estate agents, chartered accountants and business professionals can join the DSA network. Onboarding is quick and payout slabs grow with performance — see become a partner for how the levels work.
A monthly advisory programme for business owners covering loan and banking guidance, legal and compliance support, and business planning. It is separate from arranging a loan — see the membership page for what each plan includes.
Ask us the one that is missing
If your question is specific to your case — and most good ones are — a two-minute call will do more than any page of general answers.