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Home Loans
Purchase, plot, construction, renovation, top-up and balance transfer. Home loans.
Home · Property · Business · Vehicle
Loan Agent& DSA
One application, prepared properly, taken to the lenders most likely to say yes. We work with more than twenty banks and NBFCs from our Devendra Nagar office, including SBI, HDFC Bank, ICICI Bank, Axis Bank, Bank of Baroda, Kotak, IDFC First, LIC Housing Finance, PNB Housing and Tata Capital.
AMFI-Registered Mutual Fund Distributor
IRDAI-Licensed Insurance Distribution
Raipur & Bilaspur, Chhattisgarh
45+ Years Combined Experience
Families, Business Owners & NRIs
01 — The Short Version
Why a Loan Agent At All
In Raipur a loan agent is usually called a DSA, a direct selling agent. Banks rely on DSAs to bring them files that are complete and that fit their lending rules, which is why a well-prepared file through an agent often moves faster than one walked into a branch.
The real work happens before any lender sees the file: reconciling ITRs with bank statements and GST returns, spotting an old card still reporting a balance on your CIBIL, and choosing which three lenders to approach instead of applying everywhere and collecting hard enquiries.
We arrange the loan; the lender decides it. Sanction, rate and final terms always rest with the bank or NBFC, and we tell you plainly when a file is not ready rather than sending it out to be declined.
02 — What We Handle
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Loan Against Property
Liquidity against a house, shop or commercial property, usually far cheaper than unsecured credit. LAP in Raipur.
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Business & MSME
Working capital, term loans and project finance for traders, manufacturers and professionals. Business loans.
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Car Loans
New and used cars, and commercial vehicles for transport and logistics businesses. Car loans.
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File Preparation
One checklist up front. ITR, banking, GST and CIBIL reconciled before submission, so the lender asks once, not five times.
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Rate Negotiation
With offers from more than one lender in hand, the spread you are quoted becomes negotiable. Most borrowers never ask.
03 — Questions
Asked
Every Week
Straight answers to what people in Raipur ask us most.
What is a DSA, and is it safe to apply through one?
A DSA (direct selling agent) is an agent a bank or NBFC works with to source loan applications. Applying through a DSA is safe as long as the money moves only between you and the lender: the loan is sanctioned and disbursed by the bank to you or the seller, never through the agent. Never pay cash to anyone to "guarantee" a sanction. No genuine agent can promise approval.
Do you charge me anything to arrange a loan?
No. We do not charge you for preparing your file, comparing lenders or following up on the sanction. Lenders levy their own processing, legal and valuation charges, and we show you each of those in writing before you sign.
Which banks and NBFCs do you work with in Raipur?
More than twenty, including SBI, HDFC Bank, ICICI Bank, Axis Bank, Bank of Baroda, Union Bank, Indian Bank, PNB, Kotak Mahindra, IDFC First, Yes Bank, AU Small Finance Bank, Bandhan Bank, LIC Housing Finance, PNB Housing, Tata Capital, Cholamandalam, HDB Financial Services and IIFL. Which ones we approach depends on your profile, not on a fixed list.
How quickly can a loan be sanctioned?
A complete salaried home loan file typically sanctions in one to two weeks. Loan against property and business loans usually take two to four weeks because of property valuation and title checks. Almost every delay comes from missing documents, which is why we fix the file first.
Can you help if a bank has already rejected me?
Often, yes. A rejection usually has a specific cause: income that does not show in the bank statements, a CIBIL entry, the property's title, or simply the wrong lender for the profile. We find the cause first, correct what can be corrected, and only then approach a lender whose rules fit.
Do you arrange personal loans?
Our focus is secured and business credit: home loans, loan against property, business and vehicle loans. For a short personal need, a top-up on an existing home loan or a loan against property is usually far cheaper than a personal loan, and we will tell you if that applies to you.
One file, several lenders.
Tell us the amount and the purpose. We will tell you which lenders fit, what they will ask for, and roughly what to expect, before anyone pulls your credit report.
Enquiry
Tell us what the loan is for.
- A partner answers, not a call centre
- Free first consultation, in person or by video
- Our Devendra Nagar office in Raipur, or Bilaspur
- Hindi or English
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Other Services
We Also Handle
Visit
Raipur Office
505/506, Karsen Chamber, New Timber Market, Devendra Nagar, Raipur, Chhattisgarh 492001
- Monday to Saturday, 10:00–19:00 IST
- +91 90396 27355
- By appointment, in Hindi or English