Gold Loan in Kolkata
Cash against your gold jewellery, with purity testing in front of you, secure locker storage and a flexible 3 to 12 month tenure.
Loans and Investments
Personal, Business, Home and Vehicle Loans
Help choosing and applying for personal, business, home, property, vehicle and education loans through our partner banks and NBFCs.
- Loans and Investments
- Personal loans often take a few working days; home loans and loans against property usually take a few weeks*
About Personal, Business, Home and Vehicle Loans
We help you get the right loan from our partner banks and NBFCs. Whether you need money for a family need, a new home, a vehicle, your business or your child's studies, we explain your options in simple words and help you apply.
Our desk in Salt Lake, Kolkata checks your eligibility, helps you check your credit score, prepares your documents and follows up with the lender for quick processing. The final decision on approval, amount and interest rate is always made by the lender.
Loans are subject to the lender's approval and credit policy. We are not the lender for these products.
EMI Calculator
Estimate only. The actual rate, EMI and eligibility are decided by the lender.
Loans We Help You Get
Eligibility and documents differ by lender. These are the common basics.
Personal Loan
For salaried people and self-employed individuals who need money for medical bills, a wedding, travel or other personal needs.
- Generally 21 to 60 years of age
- Regular income with salary slips or ITR
- A healthy CIBIL or credit score
- Documents: PAN, Aadhaar, salary slips, bank statement
Business Loan
For traders, shop owners, manufacturers and service businesses that need funds to grow or run the business.
- Business running for a minimum period set by the lender
- ITR and business income proof
- Credit score of the owner and the business
- Documents: PAN, Aadhaar, GST or trade licence, bank statement, ITR
Home Loan
For buying a flat or house, building on your own land, or renovating or extending your home.
- Salaried or self-employed with stable income
- Age and loan tenure within the lender's limits
- Good credit score and existing EMIs checked
- Documents: KYC, income proof, property papers, sale agreement
Loan Against Property
For owners of a house, flat or commercial property who want a larger loan against it, for business or personal use.
- Clear title to the property in your name
- Income proof to show repayment ability
- Credit score checked by the lender
- Documents: KYC, income proof, title deed, mutation and tax receipts
Vehicle Loan
For buying a new or used car, two-wheeler or commercial vehicle for personal or business use.
- Generally 18 to 65 years of age
- Salary slips, ITR or business income proof
- Credit score checked by the lender
- Documents: PAN, Aadhaar, income proof, vehicle quotation
Education Loan
For students going for higher studies in India or abroad, usually with a parent or guardian as co-borrower.
- Admission confirmed in a recognised course
- Co-borrower with income proof
- Co-borrower's credit score checked
- Documents: admission letter, fee structure, marksheets, KYC
Who Needs This Service
- Salaried employees who need a personal loan
- Shop owners, traders and small business owners
- Families buying or building a home
- Property owners who want a loan against their property
- Anyone buying a new or used car or two-wheeler
- Students and parents planning higher studies in India or abroad
- First-time borrowers who are unsure where to start
Key Benefits
Right loan, right lender
We compare options from our partner banks and NBFCs and explain the terms before you apply.
Free credit score check help
We help you check your CIBIL or credit score before applying, so there are no surprises.
Complete file, fewer delays
We check your documents before submission, which helps avoid back-and-forth with the lender.
One local desk
Visit us in Salt Lake or call us. One person follows up on your application until the lender decides.
Eligibility and Applicability
- Indian residents who meet the lender's age and income criteria
- Salaried people with salary slips and bank statements
- Self-employed people and businesses with ITR and bank statements
- Applicants with a credit history the lender finds acceptable
Each lender has its own credit policy. Age limits, minimum income and required credit score vary by lender and product, and can change. We confirm the current criteria before you apply.
Documents Commonly Required
Identity and address (KYC)
- PAN card (shared securely after onboarding, not on the enquiry form)
- Aadhaar card or other address proof
- Recent passport-size photographs
Income proof
- Salary slips for recent months (salaried)
- ITR with computation for recent years (self-employed)
- Bank statement for recent months
- Form 16, if available
Loan-specific papers
- Property papers for home loan or loan against property
- Vehicle quotation or proforma invoice for vehicle loan
- Admission letter and fee structure for education loan
- GST registration, trade licence or MSME certificate for business loan
Document requirements can vary with the lender, product and your profile. We confirm the exact list before you visit. Never share OTPs or passwords with anyone.
Step-by-Step Process
Tell us your need
Call us or visit our Salt Lake desk. Tell us the loan type and amount you need.
Credit score and eligibility check
We help you check your credit score and look at your income and existing EMIs.
Compare options
We share suitable options from our partner lenders and explain the terms in simple words.
Documents and application
We check your documents, fill the application with you and submit it to the lender.
Follow-up to decision
We follow up with the lender on verification and queries until the lender gives its decision.
Estimated Timeline and Fees
Estimated timeline
Personal loans often take a few working days; home loans and loans against property usually take a few weeks
Timelines depend on the lender, your documents, property verification and legal checks. They are indicative only.
Our service fee
Our service fee, if any, depends on the loan type and the work involved. We tell you in writing before we begin.
Lender / third-party charges
Lenders may charge a processing fee, stamp duty, valuation or legal fees and GST. These are set by the lender and are separate from our fee.
* Loan approval, interest rate, loan amount and tenure are decided by the lender under its credit policy. We help with the application and follow-up only.
Common Mistakes to Avoid
- Applying to many lenders at once, which can lower your credit score
- Not checking your credit score before applying
- Looking only at the interest rate and ignoring processing fees and charges
- Taking an EMI that is too large for your monthly income
- Giving incomplete or mismatched documents
- Not reading the prepayment and foreclosure terms
Frequently Asked Questions
Are you a bank or lender?
No. We help you choose and apply for loans with our partner banks and NBFCs. The lender checks your application and makes the final decision.
Can you help me check my CIBIL score?
Yes. We help you check your credit score before you apply, and explain what it means for your application.
Can I get a loan with a low credit score?
It is harder, but some lenders may consider it with a co-applicant, security or a smaller amount. We explain your options honestly.
Do you promise approval?
No. Approval, interest rate and amount are decided by the lender. We work to make your file complete so processing is quicker.
Can I prepay my loan?
Most loans allow prepayment, but charges and rules differ by lender and loan type. We explain these terms before you sign.
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Talk to Our Team
Have a Question About All Loans?
Call, WhatsApp or visit our office. We will explain what applies to you, the documents needed and all charges before you decide.
- Callback during office hours
- Written quote before any work begins
- No obligation to proceed
Speak to an expert
Tell us what you need. We will explain the documents, process and fees before you decide.
Send an Enquiry Chat on WhatsApp Request a Callback