Fast loan assistance — Expert help for Home, Personal, Car & Business loans

Compare multiple lender offers, document checklist and a free callback from a trained loan advisor. No hidden charges — fully digital process available across India.

Pre-approval guidance
Low documentation
Multiple bank tie-ups
Pan-India service

Why Banking Indiaa?

We work with major banks & NBFCs to find competitive interest rates and tailored repayment options for salaried & self-employed borrowers.

Popular products:
Home Loan
Personal Loan
Car Loan
Business Loan
Education Loan
Loan Against Property

What customers say

Rohit S. — Mumbai
★★★★★

Banking Indiaa helped me compare home loan options and I saved on my EMI. The process was quick and the advisor helped with documentation.

Anita K. — Lucknow
★★★★★

I got a personal loan approval within 48 hours — great guidance and friendly staff.

Priya M. — Bangalore
★★★★★

Excellent service for business loan. They helped me get competitive rates and quick approval for my startup.

Frequently Asked Questions

All Banking Products we assist with

Eligibility Criteria

General eligibility varies by lender — below are typical guidelines. Exact eligibility will be confirmed by the lender after application and verification.

Home Loan

  • Age between 21–70 years (at loan maturity) for salaried/self-employed.
  • Minimum income depends on city and lender; stable employment or business history (typically 2+ years for self-employed).
  • Acceptable CIBIL/credit score usually 650+ for better deals (varies by lender).
  • Property should have clear title and necessary approvals.
  • Loan amount typically 80-90% of property value for purchase, 70-80% for construction.

Personal Loan

  • Salaried applicants typically need 1+ year with current employer; self-employed usually 2+ years in business.
  • Minimum income thresholds depend on lender and city (typically ₹15,000-₹25,000/month).
  • Credit score 650+ improves approval and interest rates.
  • Age 21-65 years with good repayment capacity.
  • Debt-to-income ratio should be less than 50% including proposed EMI.

Car Loan

  • Age 21–65 years; employment or business stability required.
  • Loan-to-value depends on new/used car and lender policies (typically 80-90% for new cars).
  • Down payment required as per lender norms (10-20% of vehicle cost).
  • Valid driving license and vehicle insurance mandatory.
  • For used cars: vehicle should be less than 5-7 years old (varies by lender).

Business & MSME Loan

  • Business vintage usually 1–3 years depending on product.
  • GST returns / ITR / bank statements used for underwriting.
  • Collateral or unsecured options available depending on product size.
  • Business should be profitable with good cash flow.
  • CIBIL score for business and promoters should be 650+ for better terms.

Education Loan

  • Student should have secured admission in recognized institute.
  • Co-applicant (parent/guardian) required with stable income.
  • Academic performance and course viability considered.
  • Collateral may be required for loans above ₹7.5 lakhs.
  • Course should be job-oriented with good placement records.
  • Age limit: 16-35 years for students pursuing higher education.

Loan Against Property

  • Property should be self-owned with clear marketable title.
  • Property age typically under 30 years for apartments, 20 years for independent houses.
  • Loan-to-value ratio usually 50-70% of property market value.
  • Stable income source and good credit history required.
  • Property should be located in approved areas/cities as per lender policy.
  • Property should have proper documentation and approvals.

Credit Score Impact

750+ Excellent Best rates, quick approval, higher loan amounts
700-749 Good Competitive rates, good loan terms
650-699 Fair Moderate rates, standard processing
Below 650 Poor Higher rates, additional documentation required

Income Requirements by City

Tier 1 Cities ₹25,000+/month
Tier 2 Cities ₹20,000+/month
Tier 3 Cities ₹15,000+/month

*Requirements may vary by lender and loan product

Important Eligibility Notes

  • These are general criteria and may vary significantly by lender and loan product.
  • Interest rates, fees, and terms depend on your credit profile and lender policies.
  • Pre-approval doesn't guarantee final loan sanction - final approval is subject to document verification.
  • Some lenders may have additional criteria based on employment type or industry.
  • Co-applicant can strengthen your application and may increase loan eligibility.
  • Our experts will help you understand exact eligibility and improve your approval chances.
  • Multiple loan applications within short time may negatively impact credit score.
  • We recommend applying through us to avoid multiple credit inquiries.

Check Your Eligibility Now

Get a personalized eligibility assessment based on your profile and requirements.

Loan Approval Process — Step by Step

Submit Enquiry
Fill our quick form or call us directly. Share your basic details, loan requirement, and preferred amount to get started.
Expert Consultation
Our loan advisor calls you within 24 hours to understand your needs and recommend the best lenders and loan products based on your profile.
Documentation
We provide a customized document checklist and assist you in preparing all required paperwork. Digital submission available for faster processing.
Application Processing
Your application is submitted to selected lenders. We track progress and coordinate with banks for quick approvals and competitive offers.
Approval & Verification
Lender reviews your application and documents. For secured loans, property valuation or vehicle inspection may be conducted.
Loan Disbursement
Once approved, complete the loan agreement formalities. Funds are disbursed directly to your account or paid to the vendor as applicable.

Typical Processing Times

Personal Loans
24-72 hours
Car Loans
2-5 working days
Home Loans
7-21 working days
Business Loans
3-15 working days

*Timelines depend on documentation completeness, lender workload, and loan complexity. We ensure fastest possible processing.

Why Choose Our Process?

✓
Multiple Lender Network
Compare offers from 15+ banks and NBFCs to get the best rates and terms.
✓
Expert Guidance
Professional loan advisors with 5+ years experience in banking industry.
✓
Digital Process
Upload documents online, eSign facility, and track application status in real-time.
✓
No Hidden Charges
Transparent pricing with no consultation fees. Pay only lender processing charges.

Documentation Checklist

Below are commonly requested documents. Your advisor will share a lender-specific list based on your loan type and profile.

Identity & KYC Documents

  • Aadhaar card / Passport / Voter ID
  • PAN card (mandatory)
  • Recent passport-size photographs
  • Signed application form & consent
  • Address proof (if different from Aadhaar)

Income Proof Documents

  • Salaried: Last 3 months payslips, Form 16, last 6 months bank statements
  • Self-employed: ITR copies (2 years), audited P&L or CA certificate, last 6-12 months bank statements
  • Business loans: GST filings, balance sheets, bank statements, business registration

Property Documents (Home Loan)

  • Sale agreement / Allotment letter
  • Title deed / Chain of documents
  • Approved building plans
  • Occupancy Certificate (OC) / NOC
  • Property tax receipts
  • Society share certificate (if applicable)

Vehicle Documents (Car Loan)

  • Proforma invoice / Dealer quotation
  • Vehicle brochure / specifications
  • Valid driving license
  • Vehicle RC (for used vehicles)
  • Insurance policy (comprehensive)
  • Hypothecation NOC (for loan transfer)

Education Loan Documents

  • Admission letter / Offer letter
  • Fee structure from institute
  • Academic transcripts / Mark sheets
  • Course curriculum details
  • Co-applicant KYC & income documents
  • Entrance exam scorecards (if applicable)

Additional Documents

  • Existing loan statements (for balance transfer)
  • Co-applicant / Guarantor documents
  • Processing fee payment receipt
  • CIBIL report (we can help obtain)
  • Business licenses & registrations
  • Any other documents as per lender request

Documentation Tips

  • Keep all documents in PDF format (scanned clearly)
  • Ensure all pages are legible and complete
  • Get documents attested if required by lender
  • Maintain original documents for verification
  • Update address across all documents for consistency
  • Prepare extra copies for multiple lender submissions
  • Our team will help you organize and submit documents
  • Digital submission available for faster processing

Quick Document Upload

Already have your documents ready? Upload them now for faster processing.

Terms & Conditions

Please read carefully before proceeding:

1. Service Nature

  • Banking Indiaa acts as a loan facilitator/DSA (Direct Selling Agent) and connects customers with partner banks & NBFCs.
  • We do not lend money directly. Final loan sanction, terms, interest rates, and pricing are decided solely by the lending institution.
  • We facilitate the loan application process and provide advisory services to improve your chances of approval.

2. Rates & Charges

  • Interest rates, processing fees, and other charges are set by the lender and may change without prior notice based on market conditions.
  • We provide indicative rates based on current market conditions. Your exact rate will be mentioned in the lender's sanction letter.
  • No consultation fee is charged for loan comparison and advisory services. You pay only the lender's processing charges.

3. Loan Approval

  • Loan approvals depend on verification of documents, credit bureau checks, property valuations (if applicable), and lender underwriting policies.
  • We do not guarantee loan approval. We facilitate application and documentation to improve approval chances based on your profile.
  • Final approval is at the sole discretion of the lending institution based on their internal policies and risk assessment.

4. Data Privacy

  • By submitting your details, you authorize Banking Indiaa to share your information with partner lenders for loan processing purposes.
  • We handle your personal data in accordance with our privacy policy and applicable data protection laws.
  • Your information will be used only for loan-related communication and will not be shared with third parties for marketing purposes without consent.

5. Loan Terms

  • Prepayment, part-payment, and foreclosure charges will be as per the lender's product terms and conditions.
  • EMI dates, repayment schedule, and default charges are as per the loan agreement signed with the lender.
  • Please read the loan agreement carefully before signing and clarify any doubts with the lender or our team.

6. Liability & Disclaimers

  • Banking Indiaa is not liable for any disputes between the borrower and the lender post loan disbursal.
  • We are not responsible for delays in loan processing due to incomplete documentation or lender-specific requirements.
  • Any changes in government policies, RBI guidelines, or lender policies that affect loan terms are beyond our control.

7. Communication

  • By providing your contact details, you consent to receive calls, SMS, emails, and WhatsApp messages regarding your loan inquiry.
  • We may contact you for loan-related updates, document requirements, and promotional offers from our partner lenders.
  • You can opt-out of promotional communications at any time by contacting our customer support.

Important: These terms constitute a general overview. Detailed terms & conditions are available upon request. By submitting your loan inquiry, you acknowledge that you have read and agree to these terms.

For any clarifications or to request detailed legal terms, please contact our support team. Contact Us