Overview
Applying for a loan means comparing products, gathering many documents and following up with the bank. We help you understand which loan suits your need, prepare a complete application and coordinate with the bank or lender on your behalf.
This covers home and property loans, personal loans, business and MSME loans, education loans and vehicle loans. Jaykar Solutions is not a bank or lender. Sanction, interest rate and terms are decided only by the lender.
Who needs it
- Salaried individuals and families planning a home, vehicle or personal expense
- Small businesses and MSMEs needing working capital or expansion funds
- Students and parents arranging education finance
- Self-employed professionals whose income documents need organising
Requirements
A general checklist. The exact list depends on the lender and your case, and we confirm it when you enquire.
- Proof of identity and address
- PAN and income proof (salary slips, Form 16 or ITR, as applicable)
- Bank statements for the period the lender asks for
- Property, vehicle or course documents for secured and education loans
- Business registration, GST and financial statements for business loans
Please do not send documents over open channels. We will tell you how to share them securely once you enquire. Never share OTPs, passwords or PINs with anyone, including us.
Process
- Chat With Us or phone and tell us the loan type and amount
- We explain eligibility factors, typical documents and available lender options
- Documents are collected and checked through a secure method
- The application is submitted to the bank or lender through its official process
- We help with queries, follow-up and understanding the sanction terms before you accept
Charges
Jaykar Solutions fee
A service fee for guidance, document preparation and coordination, quoted before you proceed. We do not charge you for the loan itself.
Lender, statutory & third-party fees
Interest, processing fees, valuation, legal and stamp charges, insurance and any prepayment charges are set by the lender and third parties and are paid to them directly.
Frequently asked questions
Can you guarantee my loan will be approved?
No. Approval, amount and interest rate are decided by the lender based on your profile, credit history and documents. We help you apply with a complete, accurate file.
Are you a bank or lender?
No. We are an independent facilitation service. The loan agreement is directly between you and the bank or lender.
Do you charge for the loan?
We charge only a service fee, quoted in advance. The lender’s processing fee and other charges are separate and paid to them.
What affects my eligibility?
Income stability, existing obligations, credit score, age, the type of loan and, for secured loans, the value and papers of the asset.
How long does a loan take?
It depends on the lender, the loan type and how quickly documents are complete. We cannot guarantee a date.
Should I pay anyone an advance to get a loan sanctioned?
Be careful. Genuine lenders do not need payment to a third party to “guarantee” sanction. Pay processing fees only to the lender through official channels, and never share OTPs or passwords.
Disclaimer
Eligibility, sanction, interest rates and processing times depend on the bank or lender, and we cannot guarantee them. Jaykar Solutions is not a bank, NBFC or lender. This page is general information, not financial advice. See our Terms & Disclaimer.