01
How much do you actually need?
Not the maximum you could get. Lenders often sanction more than you asked for, and the extra is expensive.
Loans
Loan Assistance
Loan Assistance for Different Borrowing Needs
Suvidhan helps you understand which loan options may suit your situation and supports you through the application with banks and NBFCs across India — from working out what is realistic, to preparing the file the lender will actually assess.
Important: Suvidhan is a loan assistance service, not a lender. Final approval, interest rates and terms are decided by the respective lender.
Loan Options
Loan types we assist with
Five mainstream borrowing routes in India. Each one is assessed differently by lenders, and each suits a different kind of need.
Home Loan
Finance for buying, building, extending or renovating a home, or transferring an existing home loan to another lender.
Personal Loan
Unsecured funds for medical costs, a wedding, education, renovation or consolidating expensive credit card balances.
Business Loan
Working capital limits, term loans and equipment finance for MSMEs, proprietors and self-employed professionals.
Vehicle Loan
Finance for a new or used car, a two-wheeler, an electric vehicle or a commercial vehicle, secured on the vehicle itself.
Loan Against Property
Borrowing against residential, commercial or industrial property you already own, for personal or business purposes.
Compare
Which Loan May Be Right for You?
Most borrowing questions come down to one thing: are you willing to put up security? Secured loans — backed by property or a vehicle — cost less, allow larger amounts and longer tenures, but take longer to arrange and put an asset at risk. Unsecured loans are faster and simpler, but smaller, shorter and more expensive, and they lean heavily on your credit score.
| Loan | Secured? | Typical tenure | Common use |
|---|---|---|---|
| Home loan | Yes — the property | Up to 20–30 years | Buying, building or transferring a home. Typically the least expensive category of retail borrowing because the property secures it. |
| Loan against property | Yes — property you own | Up to 15 years | Larger amounts for personal or business purposes, priced well below unsecured borrowing. |
| Business loan | Either | 1–7 years, or a revolving limit | Working capital, expansion or equipment for MSMEs and the self-employed. |
| Vehicle loan | Yes — the vehicle | 3–7 years | Cars and two-wheelers, with the vehicle itself as security. |
| Personal loan | No | 1–5 years | Speed and flexibility when there is no asset to pledge. Priced highest of the five. |
Tenures shown are common market ranges for general guidance only, not an offer. Actual eligibility, tenure, rates and terms vary by lender and applicant profile.
Before You Decide
Three Questions to Answer Before You Apply
Answering these three honestly narrows the choice faster than comparing interest rates does.
02
What EMI can you comfortably carry?
Test it against a bad month, not an average one. Use the EMI calculator before you commit to a tenure.
03
How soon do you need the funds?
An unsecured loan can be sanctioned in days. Anything involving property takes weeks, because title and valuation checks come first.
Preparation
Before You Apply Anywhere
A little groundwork changes the outcome more than shopping around does. Work through these five steps in order.
01
Check CIBIL
Look at your credit report first — it is free.
02
Check Eligibility
Get an indicative view of what you may be offered.
03
Calculate EMI
Test the monthly commitment against real cash flow.
04
Understand Interest
Compare offers on total cost, not headline rate.
05
Apply
One well-prepared application to a suitable lender.
Start with your credit report
Check your credit report first. It is the single biggest determinant of whether you are approved and at what rate, and it is free to look at — see CIBIL score check. If there is an error on it, get it corrected before applying rather than after a rejection: CIBIL correction assistance. If the score itself is weak, improving it first is usually worth the wait.
Then work out the numbers
Work out what you are likely to be offered with the loan eligibility calculator, and read how loan interest rates work so you can compare offers on total cost rather than headline rate. If you already have a loan, a balance transfer may be cheaper than new borrowing.
Responsible Borrowing
Borrow Responsibly
Every loan on this page is a commitment to pay a fixed amount every month, whatever else happens. Missed payments cost you charges, damage your credit record for years, and on a secured loan can put the asset at risk.
Borrow what you need, over the shortest tenure you can comfortably service, and keep some room for the unexpected.
- Borrow for the need, not for the sanctioned maximum
- Choose the shortest tenure whose EMI you can carry
- Keep total EMIs within a share of income you can sustain
- Keep an emergency buffer rather than committing every rupee
- Avoid taking one loan to service another
Tools & Guides
Useful before you apply
CIBIL Score CheckSee where your credit record stands
CIBIL Score ImprovementGuidance on strengthening a weak score
CIBIL CorrectionDispute assistance for reporting errors
Loan Eligibility CalculatorAn indicative view of what may be available
EMI CalculatorTest the monthly commitment
Loan Interest RatesHow rates and total cost actually work
Balance TransferWhen moving an existing loan makes sense
Contact the TeamTalk it through before you apply
Talk to Suvidhan
Not sure which loan fits?
Tell us what the money is for and what your income looks like. We’ll help you understand what may be realistic before you apply.
