Loan Services – Rajgir Consultancy
Rajgir Consultancy — Loan Services

Get the Right Loan
at the Best Rate

Home Loan, Personal Loan, Business Loan, Vehicle Loan, Education Loan, Government Scheme Loans & more — all processed from Rajgir, Nalanda, Bihar with expert guidance, fast approval & zero hidden charges.

₹50Cr+
Loans Disbursed
500+
Happy Borrowers
20+
Bank Partners
7 Days
Avg. Approval Time
9 Types
Loan Products
Loan Portfolio

All Types of Loans We Offer

We are authorized agents for 20+ banks & NBFCs. Below is the complete detail of every loan type we process — eligibility, amount, tenure & features.

Home Loan
Starting from 8.40% p.a. | Up to 30 Years Tenure

Buy your dream home, construct a new house or renovate your existing property with a home loan at the most competitive interest rates across all leading banks and housing finance companies.

  • Loan Amount: ₹5 Lakh to ₹5 Crore+Based on property value & income eligibility
  • Tenure: Up to 30 Years (360 EMIs)Longer tenure = lower EMI burden
  • Up to 90% of Property Value fundedLTV ratio depends on loan amount & bank policy
  • Tax Benefit under Section 80C & 24(b)Save up to ₹3.5 Lakh in income tax annually
  • Balance Transfer & Top-Up facility available
  • Both Fixed & Floating interest rate options
PurchaseSelf ConstructionRenovationPlot + Construction
Up to ₹5 Crore+30 Year Tenure
Apply Now
Personal Loan
Starting from 10.50% p.a. | Up to 7 Years Tenure

Instant unsecured personal loan for any purpose — medical emergency, wedding, travel, home renovation, debt consolidation or any personal financial need. No collateral required, minimal documentation.

  • Loan Amount: ₹50,000 to ₹40 LakhBased on income, credit score & repayment history
  • Tenure: 12 Months to 84 Months (7 Years)Flexible repayment as per your comfort
  • No Collateral / Security requiredPurely income & CIBIL score based approval
  • Disbursal within 24–72 working hoursAfter all documents & verification complete
  • Prepayment allowed after 6–12 EMIs
  • Salaried & Self-Employed both eligible
MedicalWeddingTravelDebt Consolidation
Up to ₹40 Lakh7 Year Tenure
Apply Now
Business Loan
Starting from 11.00% p.a. | Up to 10 Years Tenure

Fuel your business growth with working capital loans, term loans, machinery finance or overdraft facility from leading banks. Available for all business types — traders, manufacturers, service providers.

  • Loan Amount: ₹1 Lakh to ₹2 CroreHigher amounts for established businesses with audited accounts
  • Working Capital, Term Loan & OD FacilityChoose the facility best suited for your business need
  • GST Registered businesses get faster approval
  • Collateral-free options up to ₹50 Lakh (CGTMSE)Government guarantee scheme for small businesses
  • Sole Proprietor, Partnership, Pvt Ltd all eligible
  • Machinery & Equipment Finance also available
Working CapitalTerm LoanODMachinery
Up to ₹2 Crore10 Year Tenure
Apply Now
Vehicle Loan
Starting from 7.90% p.a. | Up to 8 Years Tenure

Finance your new or used car, two-wheeler, truck or commercial vehicle at the best interest rates. Get up to 100% on-road price for new vehicles with fast processing from dealer to delivery.

  • New Car: Up to 100% On-Road PriceEx-showroom + insurance + registration all covered
  • Used Car: Up to 85% of vehicle valuationVehicle age max 10 years at loan maturity
  • Two-Wheeler Loan: ₹30,000 to ₹5 Lakh
  • Commercial Vehicle: Truck, Tractor, Bus financeFleet finance & transport business loans also available
  • Tenure: 12 to 96 Months (8 Years)
  • Same-day approval for salaried with good CIBIL
Car LoanBike LoanTruckCommercial
Up to 100% Finance8 Year Tenure
Apply Now
Education Loan
Starting from 8.85% p.a. | Up to 15 Years Tenure

Invest in your future with an education loan that covers tuition fees, hostel charges, books, laptop and living expenses for studies in India or abroad. Moratorium period available during course duration.

  • India Studies: Up to ₹20 LakhIIT, IIM, Medical, Law, Engineering colleges covered
  • Abroad Studies: Up to ₹1.5 CroreUSA, UK, Canada, Australia, Germany top destinations
  • Moratorium: Course period + 6–12 monthsNo EMI during study period — only simple interest
  • Tax benefit: Full interest deduction under Sec 80E
  • Collateral-free up to ₹7.5 Lakh (most banks)
  • Covers fees, hostel, books, laptop & travel
India StudiesAbroad StudiesMoratorium
Up to ₹1.5 Crore15 Year Tenure
Apply Now
Loan Against Property
Starting from 9.50% p.a. | Up to 15 Years Tenure

Unlock the value of your property to get a large secured loan at lower interest rates. Use the funds for business expansion, wedding, medical treatment, debt consolidation or any major expense.

  • Loan Amount: Up to 60–70% of property valueBoth residential & commercial property accepted
  • Loan Range: ₹10 Lakh to ₹10 Crore+Higher amounts for prime location properties
  • Tenure: Up to 15 Years with flexible EMI
  • Property remains in your possessionOnly documents mortgaged — you continue to use property
  • Balance Transfer available at lower rates
  • Self-employed & business owners preferred
ResidentialCommercialHigh Amount
Up to ₹10 Crore+15 Year Tenure
Apply Now
PM Mudra Yojana
Government Scheme | Subsidized Rate | No Collateral

Pradhan Mantri MUDRA Yojana (PMMY) provides loans up to ₹10 Lakh to non-corporate, non-farm small & micro enterprises. Available for all types of small businesses, vendors, artisans & traders.

  • Shishu: Up to ₹50,000For businesses in early/startup stage
  • Kishore: ₹50,001 to ₹5 LakhFor established businesses needing growth capital
  • Tarun: ₹5 Lakh to ₹10 LakhFor businesses with proven track record
  • No Collateral required for all 3 categoriesFully collateral-free government guaranteed loan
  • Available for SC/ST/OBC with priority processing
  • Vegetable vendors, tailors, mechanics all eligible
Shishu ₹50KKishore ₹5LTarun ₹10LNo Collateral
Up to ₹10 LakhGovt Scheme
Apply Now
PMAY – Housing Scheme
Interest Subsidy up to ₹2.67 Lakh | EWS/LIG/MIG

Pradhan Mantri Awas Yojana (PMAY) — "Housing for All" mission offers interest subsidy under Credit Linked Subsidy Scheme (CLSS) to make home ownership affordable for lower & middle income families.

  • EWS (Annual income up to ₹3 Lakh): 6.5% subsidyMax subsidy ₹2.67 Lakh on loan up to ₹6 Lakh
  • LIG (₹3–6 Lakh income): 6.5% interest subsidyOn eligible loan amount of ₹6 Lakh
  • MIG-I (₹6–12 Lakh income): 4% subsidyOn eligible loan amount of ₹9 Lakh
  • MIG-II (₹12–18 Lakh income): 3% subsidyOn eligible loan amount of ₹12 Lakh
  • First-time home buyers only (no existing house)
  • Women co-applicant preferred for EWS/LIG
EWSLIGMIG-IMIG-IICLSS
Subsidy ₹2.67 LakhGovt Scheme
Apply Now
Startup India Loan
Concessional Rate | Collateral-Free | DPIIT Registered

Special loan scheme for DPIIT-registered startups with government support, easy collateral norms and concessional interest rates. Designed to fuel innovation and new business creation in India.

  • Loan up to ₹50 Lakh — collateral-free (CGTMSE)Government guarantee covers bank risk — no collateral needed
  • SIDBI Fund of Funds: ₹10 Lakh to ₹25 CroreFor high-growth potential startups via AIFs
  • Standup India: ₹10 Lakh to ₹1 Crore for SC/ST/Women
  • 3-year tax exemption for eligible startups
  • DPIIT registration support provided by us
  • Repayment holiday of 12–18 months available
DPIITCGTMSESIDBIStandup India
Up to ₹25 CroreStartup Scheme
Apply Now
Quick Comparison

Loan Comparison Chart

Loan Type Interest Rate Max Amount Max Tenure Collateral Processing Time
Home Loan8.40%+₹5 Crore+30 YearsProperty7–15 Days
Personal Loan10.50%+₹40 Lakh7 YearsNone24–72 Hours
Business Loan11.00%+₹2 Crore10 YearsOptional5–10 Days
Vehicle Loan7.90%+100% On-Road8 YearsVehicle1–3 Days
Education Loan8.85%+₹1.5 Crore15 YearsPartial7–14 Days
Loan Agst Property9.50%+₹10 Crore+15 YearsProperty10–20 Days
PM Mudra YojanaSubsidized₹10 Lakh5 YearsNone7–15 Days
PMAY Housing+ Subsidy₹5 Crore+30 YearsProperty15–30 Days
Startup IndiaConcessional₹25 Crore7 YearsNone (CGTMSE)10–20 Days
Loan Process

How to Get Your Loan Approved

Our 5-step process ensures fastest loan approval with minimum paperwork and zero confusion.

1
Free Enquiry

Call us or fill the online form. Tell us your loan requirement, purpose & approximate amount needed.

2
Expert Consultation

Our loan expert analyzes your profile and recommends the best loan product & bank with lowest rate.

3
Document Collection

We guide you on exact documents needed. We verify, organize & prepare your complete application file.

4
Bank Processing

We submit & actively follow up with the bank for credit appraisal, property valuation & legal check.

5
Disbursement

Loan sanctioned & amount credited directly to your bank account. We assist in post-disbursement queries too.

Documents Required

Required Documents

Documents vary by loan type. Click on each category to see the exact list. We help you collect & verify all documents for FREE.

Documents for Salaried Employees
Required for Home Loan, Personal Loan, Vehicle Loan, Education Loan
  • Aadhaar Card (Original + Photocopy)Both front & back required
  • PAN CardMandatory for all loans above ₹50,000
  • Passport Size Photographs (4–6 copies)
  • Last 3 Months Salary SlipsOriginal signed by employer / HR department
  • Form 16 for last 2 yearsIssued by employer — shows TDS deducted
  • Bank Statement — Last 6 Months (Salary Account)Showing regular salary credits & no EMI bounces
  • Employment / Appointment LetterOr ID card issued by current employer
  • Address Proof (Aadhaar / Utility Bill / Rent Agreement)
Documents for Self-Employed / Business Owners
Required for Business Loan, Loan Against Property, Personal Loan
  • Aadhaar Card + PAN Card (Personal)
  • Business Registration ProofShop Act / GST Certificate / Partnership Deed / MOA & AOA
  • ITR with Computation — Last 2 YearsSigned by CA with income computation sheet
  • Audited Balance Sheet & P&L — Last 2 YearsCA certified for loans above ₹25 Lakh
  • Business Bank Statement — Last 12 MonthsShows business turnover & cash flow
  • GST Returns — Last 12 Months (if applicable)
  • Office Address Proof (Rent Agreement / Utility Bill)
  • Passport Size Photographs (4–6 copies)
Additional Documents for Home Loan
Required along with Salaried or Self-Employed documents
  • Sale Agreement / Allotment LetterRegistered sale agreement from seller or builder
  • Property Title Deed / Chain of Title DocumentsAll previous sale deeds showing clear title history
  • Approved Building Plan / Layout PlanSanctioned by local Municipal Authority
  • NOC from Builder / Housing SocietyRequired for resale flat or builder property
  • Encumbrance Certificate (EC) for last 15 yearsConfirms property is free from legal dues
  • Property Tax Receipts (last 2 years)
  • Occupancy Certificate / Possession Letter (resale)
Documents for Vehicle Loan
For Car Loan, Bike Loan, Truck or Commercial Vehicle Finance
  • Aadhaar Card + PAN Card
  • Driving LicenseValid DL required for all vehicle loans
  • Income Proof (Salary Slip / ITR / Form 16)
  • Bank Statement — Last 6 Months
  • Vehicle Quotation from DealerPro-forma invoice showing on-road price breakdown
  • For Used Vehicle: RC Book + Insurance + Valuation ReportVehicle not older than 10 years at loan maturity
  • Passport Size Photographs (2–4 copies)
Documents for Mudra / Government Scheme Loans
PM Mudra Yojana, PMAY, Startup India, Standup India
  • Aadhaar Card + PAN Card (Applicant & Co-applicant)
  • Business Address Proof (Utility Bill / Rent Agreement)
  • Business Proof / Registration CertificateGST, Shop Act, Udyam Registration Certificate
  • Bank Statement — Last 6–12 Months
  • Quotation for machinery / equipment / stock purchaseIf loan is for buying equipment or raw material
  • Caste Certificate (for SC/ST/OBC priority schemes)
  • PMAY: Self-declaration of no existing house ownership
  • Startup India: DPIIT registration certificate
📋
We Handle Your Documents

You don't have to worry about which document goes where. Our team will:

  • Guide you on exact documents needed
  • Verify all documents before submission
  • Prepare complete application file
  • Follow up at bank on your behalf
  • Update you at every step
Get Document Help Now
EMI Calculator

Calculate Your Monthly EMI

Loan EMI Calculator

Enter loan details to instantly calculate your monthly EMI, total interest & total payable amount.

Monthly EMI
7,689
₹18.45L
Total Payable
₹8.45L
Total Interest
₹10.00L
Principal
Eligibility Guide

Who Can Apply?

Age Criteria

Minimum 21 years at time of application. Maximum 65 years (salaried) or 70 years (self-employed) at loan maturity. Senior citizen schemes available separately.

21–65 Years (Salaried)21–70 Years (Self-Employed)
Minimum Income Requirement

Salaried: Minimum ₹15,000/month net take-home salary. Self-employed: Minimum ₹2 Lakh annual net profit as per ITR. Co-applicant income also considered.

Salaried ₹15K/monthSelf-Emp ₹2L/year
CIBIL Credit Score

Minimum 700+ CIBIL score required for best interest rates. 650–700 score — approval possible at slightly higher rates. Below 650 — we help improve your score first through our CIBIL service.

700+ Best Rates650–700 Approval PossibleBelow 650 — We Help!
Employment / Business Stability

Salaried: Minimum 1 year with current employer (2+ years preferred). Self-employed: Minimum 2 years of business existence with filed ITR. Both Govt & Private sector employees accepted.

Govt EmployeePrivate SalariedBusiness 2+ YearsProfessional
Check My Eligibility Free
Our Bank & NBFC Partners
State Bank of India HDFC Bank ICICI Bank Axis Bank Punjab National Bank Bank of Baroda Canara Bank Union Bank of India Bank of India Central Bank Bajaj Finance Tata Capital Aditya Birla Finance Muthoot Finance LIC Housing Finance HDFC Ltd
FAQ

Frequently Asked Questions

What is the minimum CIBIL score required to get a loan?
Most banks require a minimum CIBIL score of 700+ for best interest rates. A score between 650–700 can still get approval but at slightly higher rates. If your score is below 650, we offer a dedicated CIBIL score improvement service — we analyze your credit report, identify problem areas and help you improve your score within 3–6 months before applying for the loan.
How long does it take to get a loan approved?
Processing time varies by loan type. Personal loans are fastest — 24 to 72 hours after complete documents. Vehicle loans take 1–3 working days. Home loans and business loans take 7–15 working days as they involve property valuation and legal verification. Government scheme loans (Mudra, PMAY) take 10–30 days depending on the bank. Our active follow-up with banks ensures minimum possible processing time.
Can I get a loan with a low income or if I am self-employed?
Yes! Self-employed individuals, shop owners, traders, businessmen and professionals are all eligible for loans. Banks evaluate your ITR (Income Tax Return), bank statements and business turnover rather than just salary. We help self-employed applicants prepare their financial documents properly to maximize approval chances and get the best loan amount.
What is the maximum loan amount I can get?
It depends on your income, property value and loan type. For home loans — up to ₹5 Crore+ (90% of property value). Personal loans — up to ₹40 Lakh. Business loans — up to ₹2 Crore. Vehicle loans — up to 100% on-road price. Loan Against Property — up to ₹10 Crore+ (60–70% of property value). Generally, your EMI should not exceed 40–50% of your net monthly income (FOIR rule).
Do you charge any fee for loan assistance?
Our initial consultation and eligibility check is completely FREE. We earn a small commission from banks after successful loan disbursement — this does not increase your interest rate or EMI in any way. We are transparent about all charges. The only charges you pay are to the bank (processing fee, GST) as per their standard policy — no hidden charges from our side, ever.
Can I prepay or foreclose my loan before tenure?
Yes, most banks allow part-prepayment and full foreclosure. For floating rate home loans — RBI mandates NO prepayment penalty. For fixed rate loans and personal loans — a small foreclosure charge of 2–4% may apply. We advise on the best prepayment strategy and help you calculate actual savings before making prepayment decisions.
What is Mudra Loan and who can apply?
PM Mudra Yojana provides loans from ₹50,000 to ₹10 Lakh for small & micro business owners — vegetable vendors, tailors, mechanics, food stall owners, shopkeepers, artisans etc. It has 3 categories: Shishu (up to ₹50K), Kishore (₹50K–₹5L) and Tarun (₹5L–₹10L). No collateral required. We assist with complete application, document preparation and bank follow-up for Mudra loans in Rajgir & Nalanda area.

Ready to Apply for Your Loan?

Get free consultation from our loan experts today. We find you the best deal from 20+ banks — fast, transparent & hassle-free from Rajgir, Bihar.

Apply for Loan Now Call: 8084518464
AddressPandu Pokhar Park, Gate No-3, Veeraytan Road, Rajgir, Nalanda, Bihar – 803116
Mobile8084518464
Emailrajgirconsultancy66@gmail.com
Websiterajgirconsultancy.in

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