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Financial District, Mumbai
Maharashtra – 400001Frequently Asked Questions
Quick answers to common loan queries
What is the minimum CIBIL score required?
Most lenders require a CIBIL score of 700 or above for personal and home loans. However, some NBFCs offer loans for scores as low as 650 depending on other factors.
How long does loan approval take?
Personal loans can be approved within 24–48 hours. Home loans and business loans typically take 5–7 business days for full approval and disbursement.
What documents are required?
Generally: PAN card, Aadhaar, last 3 months' salary slips (salaried) or ITR for 2 years (self-employed), 6 months bank statements, and property documents (for home/LAP).
Are there prepayment charges?
For floating rate loans, RBI mandates zero prepayment penalty. Fixed-rate loans may have a nominal charge of 2–4% of the outstanding principal.
Can I apply with a co-applicant?
Yes. Adding a co-applicant (spouse, parent, or sibling) can significantly improve your loan eligibility and may help you secure a higher loan amount.
Is there a fee for your consultation?
No. Our loan advisory and comparison service is completely free for customers. We are compensated by our lending partners only upon successful disbursement.