Every loan question,
one straight answer.
We are not a lender and not a lead farm. We read your profile, shortlist the banks that will actually sanction it, and run the file to disbursement.
Three things, done properly.
Know the number before a bank does.
Two things decide what you will be offered: what the EMI does to your monthly budget, and what your credit file looks like to an underwriter. Both are worth knowing before anyone pulls your bureau report.
- Principal
- ₹5,00,000
- Total interest
- ₹1,44,817
- Total payable
- ₹6,44,817
Interest is 22% of what you repay. Indicative only — your actual rate is set by the lender.
Reducing-balance method, the same one every Indian lender uses. Full calculator, with the amortisation split.
Best pricing, widest choice of lenders.
This is an estimate, not your score. We are not a credit bureau and this does not read your report. It applies CIBIL’s published weightings to what you entered, to show you roughly where you stand. Your real score is free once a year from CIBIL, and checking it yourself never lowers it.
Six products. One application.
From question to disbursement.
Four steps, and you are only asked for documents at the third one.
Tell us what the money is for
A call or a WhatsApp message. No documents, no credit pull, no commitment — we need your income shape and your existing EMIs, nothing more.
We shortlist the lenders that will say yes
Every lender has a policy that is not published: minimum income, employer category, property type, acceptable credit history. Applying blind is how people collect rejections, and every rejection marks your bureau file.
You get the real numbers
Indicative rate, processing fee, insurance, total interest over the tenure, and the break-even on a balance transfer if that is what you are weighing.
One application, followed to disbursement
We compile the file, raise it with the lender, and chase it. You hear from us, not from four different relationship managers.
The same loan, two different outcomes.
Who picks the lender
You do, from whoever advertised at you this week.
We do, from the ones whose written policy your profile already fits.
What a rejection costs
A hard enquiry on your bureau file, and the next lender sees it.
We aim for one application, to the lender most likely to say yes.
What you are quoted
The headline rate. Fees surface at sanction.
Rate, processing fee, insurance loading and total interest, before you sign.
Who chases the file
You, between four relationship managers.
One named advisor, through to disbursement.
What it costs you
Nothing — but nobody is working for you either.
Nothing. The lender pays a distribution fee once your loan disburses.
The fee we are paid is set by the lender and does not change your rate. If a lender paying us less is the right answer for you, that is the one we will put you in front of — and we will tell you that is what we have done.
What lenders are actually checking.
None of this is secret, but almost none of it is published either. Six things decide most files.
Age
21 at application, and under 60–65 at the end of the tenure.
Income
Varies by city and lender. In Ahmedabad, most salaried programmes start around ₹25,000 net a month.
Credit score
700+ opens the widest set. 650–700 still gets sanctioned, usually priced higher.
Obligations
Existing EMIs plus the new one should stay under roughly 50–60% of net income.
Stability
Six months in the current job for salaried; two to three years of business vintage otherwise.
Banking conduct
No cheque returns or EMI bounces in the last six months. This fails more files than the score does.
One set of documents. Submitted once.
Identity and address
PAN and Aadhaar. Both, in every case — PAN is how the bureau file is pulled.
Income, if you are salaried
Last three salary slips, six months of bank statements for the salary account, and Form 16 or two years of ITR.
Income, if you are self-employed
Two to three years of ITR with computation, audited financials where applicable, GST returns and twelve months of current-account statements.
Property, for a secured loan
Sale agreement or allotment letter, chain of title, approved plan and the latest tax receipt.
Figures as confirmed by the business. We publish no approval-rate claim, because we have nothing audited to back one — and a number you cannot verify is not a reason to trust anybody with your loan.
Questions worth asking.
What do you charge?
Nothing, to you. Our advisory and application support are free. Lenders pay us a distribution fee when a loan is disbursed. Any fee the lender charges you — processing, legal, valuation — is disclosed before your application goes in, and we never collect it on their behalf.
Are you a bank?
No. iAdvisory is a loan advisory and facilitation service. We do not lend and we do not sanction. The lending institution decides your rate, your limit and your timeline; we get your file in front of the right one and argue your case.
Will applying through you hurt my credit score?
A formal application triggers a hard enquiry, and several in a short window do read badly. That is precisely the reason to shortlist first: we aim for one application to the lender most likely to approve, instead of five speculative ones.
My CIBIL score is below 700. Is it worth talking to you?
Often yes, but be ready for a different answer than you want. Some lenders price for a 650 file; some will not touch it at any price. In a few cases the honest advice is to spend three months repairing the report before applying at all, and we will say so.
How long does a loan take?
A personal loan on a clean salaried profile can disburse in two to five working days. A home loan runs three to six weeks, because the property and title are being assessed, not just you. Anyone promising a sanctioned home loan in 48 hours is selling you something.
Let’s look at your numbers.
A five-minute conversation tells you whether a loan makes sense at all. We will tell you if it does not.