0%
Welcome to Sanction Loan & Credit Advisory

Where High-Ticket Capital Gets Sanctioned.

With access to 170+ banking partners, we structure high-value funding solutions with competitive rates, stronger terms, and faster sanctions—giving you the confidence to secure the right capital, on the right terms.

170+
Partner Banks
LOAN SOLUTIONS

Smart Capital Solutions Structured for Maximum Interest Savings

Expert credit structuring that saves lakhs on interest with ₹0 advisory fee and zero credit score impact.

NO COLLATERAL

Personal Loan

Collateral-free personal funding for salaried professionals and self-employed individuals with flexible repayment tenure.

  • Who can apply: Salaried & Self-Employed (₹25,000+/mo)
  • Tenure: 1 to 5 Years • Fast 24-hr disbursal
  • Documents: Aadhaar, PAN & 3 Months Bank Statement
LOWEST RATES

Home Loan

Affordable financing for buying a flat, constructing your dream house, purchasing a plot, or balance transfer.

  • Funding: Up to 80%–90% of property cost
  • Tenure: Up to 30 Years for smallest monthly EMI
  • Benefit: 0% prepayment charges on floating rates
PROPERTY BACKED

Mortgage Loan / LAP

Unlock high loan amounts at lower interest rates by pledging your residential, commercial, or industrial property.

  • Funding: Up to 70% of current property market value
  • Savings: 3% to 5% cheaper interest than personal loans
  • Tenure: Flexible repayment up to 15 to 20 years
UP TO ₹25 CR

Business Term Loan

Unsecured business loans and machinery financing structured for growing firms, MSMEs, and traders.

  • Who can apply: MSMEs, Proprietors, Partnerships & Pvt Ltd
  • Assessment: Evaluated on annual turnover & bank cash flow
  • Benefit: No property mortgage required for fast sanction
WORKING CAPITAL

Cash Credit & OD / DOD

Flexible credit limit for daily business operations. Pay interest strictly on the money you actually use.

  • How it works: Pay interest only on withdrawn amount
  • Security: Against stock, debtors, or property mortgage
  • Support: Complete assistance with CMA data & proposal
UP TO 100% VALUE

Used Car Loan

Pre-owned car financing with verified market valuation, fast RC transfer support, and easy monthly EMIs.

  • Cars covered: Hatchbacks, Sedans, SUVs & Luxury cars
  • Funding: Up to 100% of fair valuation • 1 to 7 Years
  • Features: Purchase financing, car refinance & top-up
QUICK 4-STEP PROCESS

How to Get Your Loan Sanctioned in 4 Simple Steps

No branch visits, minimal paperwork, and fast approval directly into your bank account.

STEP 01 • SOFT ASSESSMENT

Quick Eligibility Check & Safe Borrowing Limit

Tell us your loan requirement. We run a soft internal assessment with zero impact on your CIBIL score and calculate your safe borrowing capacity before applying to any lender.

Turnaround Time 2 Mins
Bureau Impact 0 Hard Pulls

What Happens in This Step:

✓ Calculates maximum borrowing eligibility across institutional lenders.
✓ Zero damage to your credit score — 100% safe pre-check.
✓ Personal advisor assigned to understand your specific needs.
STEP 01 • SOFT ASSESSMENT
1

Quick Eligibility Check & Safe Limit

Tell us your loan requirement. We run a soft internal assessment with zero impact on your CIBIL score and calculate your safe borrowing capacity before applying to any lender.

Turnaround Time 2 Mins
Bureau Impact 0 Hard Pulls
✓Calculates maximum borrowing eligibility across institutional lenders.
✓Zero damage to your credit score — 100% safe pre-check.
✓Personal advisor assigned to understand your specific needs.
STEP 02 • MULTI-LENDER DISCOVERY
2

Multi-Lender Rate Match & Negotiation

We match your debt profile against credit policies across leading banks and NBFCs, negotiating directly with institutional credit desks to lock your lowest possible rate.

Lender Network Pan-India Access
Rate Advantage Lowest Margin
✓Side-by-side comparison of APR, processing fees, and ROI.
✓Direct institutional negotiation for preferential rate discounts.
✓Selection of optimal lending partner matched to your exact profile.
STEP 03 • PRE-UNDERWRITING AUDIT
3

Precision Paperwork & Loan File Compilation

Our debt specialists audit your income documents, banking statements, and property paperwork beforehand to eliminate bank queries and fast-track approval.

Documentation 100% Digital / Doorstep
Approval Probability 98.4% First-Pass
✓Pre-screening of KYC, ITR, balance sheets, and title deeds.
✓Custom optimization of FOIR and debt-to-income parameters.
✓Zero branch visits needed — dedicated door-step document pickup.
STEP 04 • SANCTION & DIRECT DISBURSAL
4

Formal Sanction Letter & Account Disbursal

Receive your formal sanction letter with zero hidden charges or forced insurance bundling. Funds are disbursed straight to your verified bank account.

Disbursal Speed 24 to 48 Hours
Client Advisory Fee ₹0 Completely Free
✓Line-by-line inspection of RBI Key Fact Statement (KFS) terms.
✓Transparent documentation with no hidden post-sanction costs.
✓Funds disbursed directly to your account with post-sanction support.
WHY CHOOSE SANCTION

Why Borrowers Choose Sanction for Their Loan Needs

Get the lowest bank interest rates with ₹0 fees, zero spam calls, and 100% privacy.

Sanction — Capital, Clearly Connected
100% PRIVACY

Zero Spam Calls Commitment

Online loan aggregators sell your mobile number to external telemarketers. We uphold complete confidentiality — your data is never sold or shared for spam.

FREE SERVICE

₹ 0 Upfront Advisory Fee

Our loan advisory is 100% free for borrowers. We earn directly from our lending partners, so there are no consultation fees, file charges, or hidden markups.

EXPANSIVE REACH

Direct Banking Desk Access

Instead of visiting dozens of retail bank branches, access India's top public, private, and foreign lenders plus leading NBFCs through a single dedicated advisory desk.

SCORE SHIELD

CIBIL Score Protection

Applying everywhere randomly drops your credit score. We assess your profile internally first and submit your file only to lenders where your approval chance is highest.

RULE 01 • CAPITAL ALLOCATION

Productive Capital vs Unproductive Debt

PURPOSE CHECK

Borrowing is helpful when it builds an asset or expands your business. But taking a loan for unnecessary expenses can create unnecessary stress.

✓ Good Uses (Recommended)
  • Expanding business & buying stock
  • Buying a home or real estate property
  • Closing higher-interest loans to save money
  • Buying commercial machinery or vehicles
✕ Avoid Using Loans For
  • Impulsive luxury shopping or gadgets
  • High-risk stock trading or crypto bets
  • Expensive holidays without emergency savings
  • Borrowing repeatedly from short-term loan apps
RULE 02 • CASH FLOW SAFETY

The 40% FOIR Shield: Protect Household Liquidity

EMI SAFETY METER

Your monthly loan EMIs should ideally be within 40% of your in-hand income. Higher EMIs leave little room for family savings and unexpected emergency expenses.

Safe Level (<35% of Salary) Moderate (35%–45%) High Risk (>45%)
Healthy Household Savings High Financial Pressure & Risk
Smart Tip: Always keep 3 to 6 months of living expenses saved in an emergency bank fund before taking on a new major loan.
RULE 03 • REAL APR AUDIT

True APR Audit: Unmask Hidden Spreads & Fees

COST AUDIT

A low advertised interest rate can sometimes hide high processing charges or mandatory insurance. Always review the complete cost breakdown before signing.

TOTAL LOAN COST = Loan Amount + Reducing Interest + Processing Fee + 18% GST + Stamp Charges
Interest Type ✓ Reducing Balance only

Avoid flat interest schemes that end up costing almost double in reality.

Early Closure ✓ Check Prepayment Rules

Verify lock-in periods and part-payment options in advance.

RULE 04 • TENOR & LIQUIDITY FIT

Structural Alignment: Match Debt Facility to Cash Flows

PRODUCT FIT

Picking the wrong type of loan can lead to unnecessary interest. Choose the facility built for your exact situation:

Cash Credit / OD Flexible limit for business • Pay interest only on what you withdraw.
Mortgage / LAP Property backed • Save 3% to 5% interest compared to personal loans.
Personal Loan Zero property collateral • Fast 24–48 hour disbursal for urgent needs.
Home Loan Long-term home purchase • Lowest available bank interest rates.
LOAN ELIGIBILITY CHECK

Check If Your Monthly EMI Fits Your Salary

Enter your monthly salary and planned EMI to see if your loan amount is safe and easy to approve.

Your Monthly EMI Share (FOIR)
30.0%
✓ Safe & Healthy Borrowing Level

Your monthly EMIs are well within the safe 35% limit. Banks and lending partners consider this a healthy profile for the best interest rates.

Check Pre-Approved Lenders →
ZERO HIDDEN FEES

Common Hidden Bank Charges You Should Always Avoid

We check your sanction letter line-by-line to save you from surprise bank deductions and extra fees.

Loan Term What It Means What You Should Check
Annual Cost (APR) The total effective yearly cost of your loan including interest rate, processing fees, and documentation charges. ✓ Always compare the APR, not just the base interest rate.
Processing Fees One-time fee charged by the bank to process your application (usually 0.50% to 2.0% of the loan amount). ✓ Processing fees can often be negotiated on higher loan amounts.
GST (18%) Government tax charged on bank services (like processing, valuation, and legal checks). ✓ Note that GST is paid to the govt and is not refundable.
Prepayment & Foreclosure Rules and charges for paying off your loan before the scheduled time, or making part-payments. ✓ Floating rate retail loans have 0% foreclosure penalty as per RBI.
Late Payment & Bounce Charges Extra charges applied if your monthly EMI payment is delayed or if the bank mandate bounces. Always maintain enough balance in your account before EMI date.
FREE LOAN CALCULATOR

Calculate Your Monthly EMI & Total Interest in Real Time

Check your exact monthly EMI and see how part-payments can save lakhs on your total loan interest.

✓ Monthly EMI & Interest Breakdown
✓ Property Loan Limit (LTV) Calculator
✓ Balance Transfer & Prepayment Savings Estimator
Open Loan Calculators →
Sample EMI Example (₹50 Lakhs @ 8.50% / 15 Yrs)
₹ 49,237 / mo
Loan Amount ₹ 50,00,000
Total Interest ₹ 38,62,654
INSTITUTIONAL NETWORK

India's Leading Financial Institutions Under One Roof

Direct institutional access to top nationalized banks, private lenders, and housing finance companies.

State Bank of India
Punjab National Bank
Indian Bank
DBS Bank India
Bandhan Bank
Karur Vysya Bank
Equitas Small Finance Bank
Utkarsh Small Finance Bank
Home First Finance (HFFC)
Godrej Housing Finance
Indostar Niwas Housing
Muthoot Housing Finance
Shubham Housing Development
UMEED Housing Finance
Centrum Housing Finance
Tata Capital
Aditya Birla Capital
InCred Financial
Jio Finance
Ambit Finvest
CSL Finance
Mangal Credit & Fincorp
Ramkrishna Pure Finance (RKPF)
Varthana Finance
Lendingkart Finance
Navi Technologies
FT Cash
Moneywide
Tezzract Fintech
PNB Cards & Services
Creditworld (HomeVille)
Aeon Credit Service
HDFC Bank
Canara Bank
UCO Bank
Federal Bank
Standard Chartered
Saraswat Bank
ESAF Small Finance Bank
Slice Small Finance Bank
Aadhar Housing Finance
GIC Housing Finance
KIFS Housing Finance
Nivara Home Finance
SRG Housing Finance
Vastu Housing Finance
DMI Housing Finance
Cholamandalam (Chola)
Muthoot Finance
Protium Finance
Mahindra Finance
Anand Rathi
Electronica Finance
Manba Finance
Ratnaafin Capital
Veritas Finance
Moneyview
NeoGrowth Credit
Home Credit India
Niyogin Fintech
Upwards Fintech
Kuhoo Finance
CarDekho (Ruppy)
ICICI Bank
Union Bank of India
Punjab & Sind Bank
IDFC FIRST Bank
HSBC
SBM Bank India
Jana Small Finance Bank
LIC Housing Finance
Aavas Financiers
Grihum Housing Finance
Mahindra Rural Housing
REPCO Home Finance
Sundaram Home Finance
Wonder Home Finance
Easy Home Finance
Hero FinCorp
Muthoot Fincorp
Credit Saison India
Manappuram Finance
ARKA Fincap
Fedbank Financial Services (Fedfina)
Northern Arc Capital
RattanIndia Finance
United Capital
KreditBee
INDIFI Technologies
Kissht
Open Financial Technologies
ZipLoan
Kotak Commercial
Bright Loans (Avinash Capital)
Axis Bank
Bank of India
South Indian Bank
IndusInd Bank
Deutsche Bank
IDBI Bank
Suryoday Small Finance Bank
Bajaj Housing Finance
Aditya Birla Housing Finance
Hinduja Housing Finance
MAS Rural Housing
Roha Housing Finance
Svatantra Micro Housing
Agrim Housing Finance
Fasttrack Housing Finance
L&T Finance
HDB Financial Services
Clix Capital
MAS Financial Services
Avanse Financial Services
Fusion Finance
Orix Leasing & Finance
SMC Finance (Moneywise)
HDFC Credila
Fibe (EarlySalary)
FlexiLoans
KrazyBee Services
PayMe India
Abhi Loans
Kotak Agri
Propelld (Bluebear Tech)
Kotak Mahindra Bank
Bank of Maharashtra
J&K Bank
RBL Bank
DCB Bank
Shinhan Bank
Ujjivan Small Finance Bank
Tata Housing Finance
Piramal Capital & Housing
ICICI Home Finance
Motilal Oswal Home Finance
Sammaan Capital
Truhome Finance
Art Housing Finance
Homeshree Housing Finance
Shriram Finance
SMFG India Credit (Fullerton)
DMI Finance
Hinduja Leyland Finance
Capri Global Capital
JM Financial Products
Profectus Capital
Tyger Capital
Kotak Mahindra Prime
Zype
FatakPay
M Capital (Ditya Finance)
Rupeek
American Express
HDFC Consulting
Axis Finance
Bank of Baroda
Central Bank of India
City Union Bank
YES Bank
CSB Bank
AU Small Finance Bank
Unity Small Finance Bank
PNB Housing Finance
Hero Housing Finance
IndiaBulls Housing
Muthoot HomeFin
Satin Housing Finance
Tyger Home Finance
Cent Bank Home Finance
Bajaj Finserv
Poonawalla Fincorp
UGRO Capital
IIFL Finance
Edelweiss (Nido)
Capital India Finance
Kogta Financial
Ram Fincorp
UPF (United Petro Finance)
TVS Credit
CASHe
Finnable
Midas Capital Lendings
StashFin
SBI Capital Markets
Finsol
Auxilo Finserv
Direct empanelment, official institutional codes, and credit desk liaison across all 170+ Banks, HFCs & NBFCs shown above.

Get Your Loan Sanctioned at the Lowest Interest Rate Today

Check your maximum loan eligibility across premier lending institutions with ₹0 consultation fee and zero credit score impact.

Zero Advance Fee
RBI-Regulated Lenders
Zero CIBIL Impact Check
Direct Bank Disbursal