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Partner DSA30+ banksZero fee to borrowers

Folio 02 · Services

Six climbs. One desk.

End-to-end loan advisory across six products with 40+ bank partners — home, business, LAP, balance transfer, builder finance, NRI. Free, by design.

Step 1 / 3Get a personalised loan quote
Step 1 of 3: Get a personalised loan quote

Get a personalised loan quote

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What We Offer

Six products, one desk

Each service comes with expert guidance, multi-bank comparison, and zero advisory fees.

Home Loan

From 7.15%* p.a.

Whether you are buying your first home, upgrading to a bigger space, or investing in property, we negotiate exclusive rates starting 7.15%* across 40+ banks — below their published minimums. Our volume relationships unlock rates you won't get walking into a branch.

  • Exclusive negotiated rates from 7.15%* p.a. (eligible profiles)
  • Up to 90% loan-to-value for loans under Rs 30 lakh
  • Tenure up to 30 years with flexible prepayment
  • Special rates for women borrowers and government employees
  • Pre-approval letter within 48 hours

Business Loan

Secured & Unsecured

From working capital to expansion funding, we help MSMEs and entrepreneurs access the right business finance. Our team understands business financials deeply and matches you with lenders whose criteria align with your profile.

  • Term loans, working capital, cash credit, and overdraft facilities
  • Collateral-free loans up to Rs 50 lakh under CGTMSE
  • MUDRA loans up to Rs 10 lakh with subsidised rates
  • Fast processing — sanction in 3-5 working days
  • GST-based lending for faster approval

Loan Against Property

Up to 70% LTV

Use the equity in your property without selling it. Loan Against Property offers large amounts at rates much lower than personal loans, with flexible end-use — business expansion, education, medical expenses, or debt consolidation.

  • Rates from 9.25% p.a. — significantly lower than personal loans
  • Loan up to 70% of property's market value
  • Residential, commercial, and industrial property accepted
  • Tenure up to 20 years for comfortable EMIs
  • Tax benefits available when used for business or property purchase

Balance Transfer

Save Rs 3-8 Lakh

Paying a higher interest rate than current market rates? Transfer your existing home loan to a new bank and save lakhs. We handle the entire process — from identifying the best rate to coordinating document transfers between banks.

  • Potential savings of Rs 3-8 lakh over loan tenure
  • Zero prepayment penalty on floating rate loans (RBI mandate)
  • Top-up loan available along with balance transfer
  • We negotiate the best rate by creating bank-to-bank competition
  • End-to-end process management in 10-15 working days

Builder & Project Finance

For Developers

Specialised financing solutions for builders and real estate developers. From construction finance to project loans, we connect developers with banks that understand the real estate development lifecycle.

  • Construction finance for residential and commercial projects
  • Land acquisition loans with competitive terms
  • RERA-compliant project approvals facilitated
  • Structured disbursement aligned with construction milestones
  • Relationships with banks experienced in builder finance

NRI Home Loan

15+ Countries Served

Buying property in India while living abroad? We specialise in NRI home loans — handling everything from FEMA compliance and power of attorney to bank coordination and property verification, so you don't need to fly back for every step.

  • Dedicated NRI desk with video consultation
  • FEMA-compliant documentation assistance
  • Power of Attorney drafting and attestation guidance
  • Multi-bank application for competitive rate negotiation
  • NRE/NRO account integration for seamless fund transfer
How It Works

Simple, Transparent Process

Four easy steps to get the best loan deal in India. No fees, no pressure, no hidden catches.

Step 01

Tell Us Your Needs

Share your loan type, amount, and location. Takes just 2 minutes online or on call.

Step 02

We Find the Best Deals

Our team compares rates, fees, and terms from 40+ banks matched to your profile.

Step 03

Review & Choose

You receive 3-5 personalised offers with transparent breakdowns. No pressure, no fees.

Step 04

We Handle the Rest

Documentation, bank coordination, property verification, and follow-up — all managed by us.

Compare 40+ banks with Jay

WhatsApp your loan type and city. Jay replies from the Ahmedabad desk — free, no obligation.

40+ partner banks · Free advisory · Ahmedabad desk