Loans

Garuda Mudra, we assist you in getting the credit you deserve. We’re lender agnostic – we only work to get you the best loan structure at the lowest price, not once that comes from a banker or any bank. My team is led by a California Licensed Mortgage Professional and we take your file as seriously compares products, helps navigate the labyrinth that is mortgage underwriting to highlight Total Cost Of Borrowing so you can be assured in what you’re doing while avoiding stealth lending charges.

Why Garuda Mudra for Loans?

1. People tend to walk into a bank or click an online ad and end up signing on the dotted line for whatever is offered. We flip that process.
2. Impartial Advice – we’re not paid commission by lenders, we work for you.
3. Holistic Check-Up – eligibility, CIBIL, FOIR, employment continuity property papers and total cost.
4. File Hygiene – lender-friendly documents, full packs and tax-proofing from the outset.
5. Post-sanction assistance – support for mandate creation, repayment schedule and adherence.

That means fewer rejections, faster sanction and clearer repayment terms.

Where We Help

Our lending support has nearly all types of popular credit options:

Personal & Business Loans

Eligibility used based on cash flow, calculations of FOIR, end to end documentation and application submission.

Home Loans

Prepare sanction file, property papers checklists and EMI structure plans before you sign.

Secured Loans Against FD/Insurance/ULIP/Securities

Dealing with lien/pledge paperwork at the discretion of the lender.

Working Capital Facilities

OD/CC Limits, Invoice Discounting services and Bank Facilitation.

Whether you are employed or a professional on Salary, Self-employed entrepreneur or NRI wanting to use your Indian assets, we ensure that your borrowing is clean and compliant.

Our Process

We adhere to an open 4-step model:

Eligibility & Health Check

We run CIBIL checks, calculate FOIR (fixed obligation to income ratio), assess income and continuity of employment or business.

Lender Short-List

We compare their term, rate profile, fees and foreclosure clauses on an apples-to-apples basis from various banks/NBFCs.

Dossier Preparation

We gather application forms, KYC, income proofs, bank statements, property/asset papers so that nothing is left over.

Post-Sanction Hygiene

Once approved we assist establish mandates, repayment schedules and tax proof for your financial year.

This tactic all but eliminates back-and-forth with lenders — and boosts your negotiating position.

Documents Required

For all loans:

1. KYC (PAN, Aadhaar)
2. Salary slips / ITR
3. Bank statements (6-12 months)
4. Evidence of occupation or proof of business

For secured loans:

1. Title/asset papers
2. For LAS/pledge cases: eligible security statement as per lender policy

We help get these documents gathered, verified and presented in a “lender-friendly” way.

Key Notes to Remember

1. We do not lend. Sanctions, disbursements and all other information are at the sole discretion of the bank/NBFC.
2. Mark-to-Market Top-Up: In LAS/pledge cases, lender has its own top-up rules for eligible securities – we will help you interpret them.
3. Transparency First: We believe in showing you the total fee to borrow which includes processing fees, insurance for financing and prepayment penalty costs with foreclosure charges.

Pros of practicing Garuda Mudra

1. Increased Approval Odds – lenders waste no time chasing borrower for missing documents.
2. Quick Sanction – life is pre-checked, after all.
3. Better Terms – see several lenders when you shop.
4. No Surprises – we will tax-proof and agree a Timeline of repayments in advance.
5. One Team, All Loans – personal, business, home, secured, working capital.

Who Can Use Our Service

1. Salaried persons who want to buy a house or take personal loan.
2. Small business needing working capital or to finance expansion.
3. NRIs planning to mortgage Indian assets or purchase property.
4. Families who dislike paper work and want to take advantage of insurance/FD/ULIP in a structured manner.

Safety & Compliance

All information you provide is completely confidential. We only share documents with shortlisted lenders if you approve. We adhere to RBI/SEBI data privacy guidelines and we never sign on your behalf.

Ready to Get Started?

Book a discovery call using our straightforward form below. All you need to do is tell us a bit about your requirement and our CA-led team will evaluate where you are eligible, shortlist the lenders that get it and deliver a menu of options – all aligned with the timeline you have in mind.