01 · You submit
The form below takes a few minutes. Nothing here triggers a credit check or an application to any bank.
Start Here
Find out what you qualify for, before you apply anywhere
Every application you make marks your credit report. So the first step is not applying — it is finding out where you actually stand. That assessment is free, and you will get an honest answer either way.
Freeeligibility check
Same dayresponse, usually
Confidentialno data sharing
The Process
What actually happens after you submit
No instant approvals and no funds by tomorrow — that is not how public sector bank lending works, and anyone promising it is selling you something else.
02 · We call you
Usually the same working day. We ask about income, banking and security, and tell you which products realistically fit.
03 · We build the file
Documents assembled and objections answered before submission — the stage that decides most outcomes.
04 · Sanction
We place it with the right lender and follow it through verification, sanction and disbursement.
Realistic timelines. A retail loan typically runs three to six weeks from a complete file to disbursement. A government scheme case or project finance takes longer, because subsidy approval and DPR appraisal sit in the middle. We will give you a specific estimate on the first call.
Loan Application
Tell us about yourself
Everything here helps us judge eligibility before we speak. If you are unsure of a field, leave it — we will cover it on the call.
Free eligibility check
No credit check is run at this stage.
Applying
What people ask before submitting
A fuller list lives on the FAQ page.
Still unsure?
Speak to one of our ex-bankers directly. No call centre, no scripts.
Call +91-9810454531No. This form is an enquiry to us, not an application to a bank. No credit check is run at this stage. A bureau enquiry only happens once you have agreed which lender to approach — and avoiding scattered enquiries is exactly why we work this way.
The eligibility assessment is free. If we take the case on, fees are discussed and agreed up front before any work starts — you will never find a charge you were not told about.
Yes, tell us. It narrows the options considerably but does not always rule out a loan — particularly for secured products, or where a co-applicant does file. It is much better raised now than discovered by a bank later.
With us, it helps — a previous rejection tells us where the file is weak, which is the most useful thing you can share. See our expertise page for the four things that cause most declines.
Usually the same working day. If you submit late in the evening or on a Sunday, expect the next working day. For anything urgent, call directly rather than waiting on the form.
An honest answer costs you nothing
Twenty years of placing files with public sector banks. If your case works, we will tell you how. If it does not, you will hear that instead of paying to find out slowly.