Our services

Suvidhan does two related things: we help you borrow sensibly, and we help you understand and repair the credit record that decides whether you can. Here is everything we offer, and what each service actually involves.

Loan assistance

We are not a lender. We help you work out what is realistic, choose the right product, prepare a file that stands up to a lender's scrutiny, and take the application forward. The lending decision always rests with the lender.

• Home loan — purchase, construction, plot or balance transfer, including how loan-to-value and property documentation work.
• Personal loan — unsecured borrowing for weddings, medical costs, education or renovation.
• Business loan — working capital, term loans and equipment finance for MSMEs, traders and the self-employed.
• Loan against property — larger amounts at lower rates against property you already own.
• Vehicle loan — cars and two-wheelers.
• Balance transfer — moving an existing loan to a cheaper lender, when the arithmetic genuinely works.

See the full loan services overview for a side-by-side view of the products.

CIBIL and credit assistance

• CIBIL score check — free. We check your score and read the report with you, and explain what it means for the loan you want.
• Credit profile improvement — paid. A line-by-line read of your report, identification of what is costing you points, and a sequenced plan with realistic timeframes.
• Correction and dispute assistance — paid. Preparing and managing a dispute over an incorrect entry, and tracking it against the RBI 30-day window.

We do not guarantee a score increase, a dispute outcome or a loan approval, and we will not remove accurate information from a credit report. Nobody legitimately can.

Insurance guidance

Cover that sits sensibly alongside a long loan. We explain the options in life insurance and health insurance without jargon — see insurance guidance. We are not an insurer and we do not underwrite policies.

Free tools

• EMI calculator — monthly instalment, total interest and the full repayment schedule for any amount, rate and tenure.
• Loan eligibility calculator — an indicative borrowing figure based on your income and existing EMIs.
• How loan interest rates work — reducing balance versus flat, fixed versus floating, and what really sets your rate.

What it costs

An initial conversation and the CIBIL score check are free. Credit report correction assistance, dispute assistance and structured improvement guidance are paid services, quoted before any work starts. You are never charged without agreeing first.

Start here

Start a loan enquiry, contact the team, or read more about Suvidhan.