Loans — Home, Car & Business
Home loans, car loans and business loans arranged through partner banks and NBFCs, without disturbing the investments you have already built.
What it is
Borrowing well matters as much as investing well. We help you arrange a home loan, car loan or business loan through partner banks and NBFCs — and, just as often, help you work out whether you should be borrowing at all.
Home loan. Purchase, construction, balance transfer or top-up. The longest and largest borrowing most families take on, so a small difference in rate or tenure changes the total interest considerably.
Car loan. New or used vehicle finance. Short tenure and a depreciating asset, so we usually push for the largest down payment you can comfortably manage and the shortest tenure your cash flow allows.
Business loan. Working capital, equipment purchase or expansion, secured or unsecured depending on the lender and your financials.
In every case the loan is sanctioned and disbursed by the bank or NBFC, at their sole discretion. We help with the application, the paperwork and the comparison — we do not lend, and we cannot promise an approval.
Who this suits
You are probably in the right place if…
- Home buyers comparing offers across several lenders
- Existing borrowers checking whether a balance transfer is genuinely worth the switching cost
- Business owners who need working capital without redeeming long-term investments
- Anyone who wants the total interest cost spelled out before signing
Who this does not suit
We would rather say so up front.
- Borrowing to invest in market-linked products — we will not help with that
- Anyone already stretched on EMIs, where more debt makes the position worse
- Applicants looking for a guaranteed approval; that is the lender’s decision, never ours
How it works
How this one actually runs
Work out what you need
Loan amount, tenure and the EMI your cash flow can actually carry — not the maximum you are eligible for.
Compare lenders
Rate, processing fee, prepayment terms and the total interest across the full tenure.
Prepare the file
Income proof, bank statements, property or business documents, assembled properly the first time.
Sanction and disbursal
The lender decides. We stay with the file through sanction, disbursal and any follow-up.
What it costs
Charges, plainly
- Interest rate
- Set by the lender, based on your profile, credit score and the security offered.
- Processing fee
- Typically a small percentage of the loan amount, charged by the lender.
- Our charge to you
- None. Any commission is paid by the lender and disclosed on request.
- Prepayment
- Usually free on floating-rate home loans for individuals; fixed-rate and business loans may carry a charge.
What could go wrong
The risks, stated first
- A loan is a fixed obligation. Your income is not — job loss or a business downturn does not pause the EMI.
- On a floating rate, a rise in interest rates raises either your EMI or your tenure.
- Missed instalments damage your credit score and can lead to recovery action against the asset.
- Sanction, rate and terms are entirely at the lender’s discretion and can change before disbursal.
Loans are sanctioned and disbursed by the respective banks and NBFCs at their sole discretion. Jana Finserv acts only as a referral point and is not a lender.
Questions
Questions we get asked
No. Sanction, the interest rate and the final terms are entirely the lender’s decision. We help you prepare and compare, and we will tell you honestly if a file looks weak.
It depends on your loan rate, your tax position and your horizon — and on how much the certainty of being debt-free is worth to you. We are happy to work through both sides with you.
Often yes, and sometimes it is the better answer than redeeming units or taking an unsecured loan. Ask us to compare the two before you decide.
Borrowing for a home, a car or the business?
Sit with us for a free, no-obligation conversation — at our New Garia office, or over a call at a time that suits you.
