Question 1

What documents do I need for a loan application?

Accepted Answer

At minimum: proof of identity (Aadhaar, PAN, passport, voter ID or driving licence), proof of address, and proof of income — salary slips and bank statements if you are salaried, or ITRs and bank statements if you are self-employed. Secured loans add property papers. Each loan page carries its own complete list, so you can collect everything in one go.

Question 2

I don't have a fixed income. Can I still get a loan?

Accepted Answer

Yes. If you are self-employed, a commission earner, a driver or running your own trade, your last two income tax returns let us work out an average monthly income and size a loan against it. A variable income is not a disqualification — an undocumented one is harder, so file your returns.

Question 3

I have a low credit score or loans already running. Can I still apply?

Accepted Answer

You can. A weak score narrows the options and affects the rate, but it does not end the conversation here. We assess each case individually — what caused the dip, what has changed, and whether the EMI genuinely fits your current income. If it does not, we will say so rather than set you up to default.

Question 4

Does making an enquiry commit me to a loan?

Accepted Answer

No. An enquiry is an enquiry. You will see the full terms — amount, rate, tenure, every charge — before anything is signed, and you are free to walk away at any point before that signature.

Question 5

How fast will the funds be disbursed?

Accepted Answer

Once your documents are verified and the agreement is signed, disbursal is typically within 24 hours for unsecured loans. Secured loans take longer because property and title verification genuinely take time — usually one to three weeks depending on the property and how clean the paperwork is.

Question 6

What should I check before I sign?

Accepted Answer

Make sure every term you have been quoted also appears in writing on the sanction letter — the interest rate, the tenure, the EMI and the full list of charges. A good lender explains all of it up front, verifies your documents properly and gives you time to read the agreement. If something is unclear, ask before signing; we would much rather answer the question twice than have you find out later.

Question 7

What charges should I expect beyond the interest rate?

Accepted Answer

Typically a processing fee, documentation and stamp duty where applicable, and for secured loans a legal and technical valuation charge. Every one of these appears on your sanction letter before you sign. If a charge is not on that sheet, you do not owe it.

Question 8

Can I prepay or close the loan early?

Accepted Answer

Yes. Part-prepayment and early closure are both allowed. Any prepayment charge is stated in your agreement up front — for floating-rate home loans to individual borrowers, RBI rules mean there is generally no prepayment penalty at all.

Question 9

Do you lend outside Rajasthan?

Accepted Answer

Yes. Our office is in Sirohi, and our lending panel operates across India. The application is fully online, so your location matters far less than your documents do.

Question 10

What happens if I miss an EMI?

Accepted Answer

Call us before it happens, not after. A missed EMI attracts a late fee and is reported to the credit bureaus. If your circumstances have changed, there are usually options — a restructured tenure, a revised EMI date — but only while you are still talking to us.

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