Loans, made simple

The right loan at the right rate — without the runaround.

Whether it's your first home, a business you want to grow, or an urgent personal need — I work with you and 30+ banks to find the best fit, handle the paperwork, and get it sanctioned faster.

Check My Eligibility → See how it works

No upfront fees 30+ bank partners Doorstep service

What I help with

Loans for every stage of life

Four loan categories, one trusted advisor. I handle the comparison, documentation and follow-up — so you don't have to.

🏠

Home Loan

Buy your dream home or transfer your existing loan for a better rate.

Up to 90% of property value funded
Tenure up to 30 years
Balance transfer available

💼

Personal Loan

Quick funds for weddings, medical needs, travel, or any personal goal.

Disbursal in as little as 48 hours
Minimal documentation
Flexible tenure 12–60 months

📈

Business Loan

Working capital or expansion funding — for MSMEs, traders and professionals.

Collateral-free options available
Loans from ₹50,000 to ₹50 lakh+
Top-up and revolving credit

🏢

Loan Against Property

Unlock the value of your residential or commercial property at low interest rates.

Up to 70% of property value
Lower rates than unsecured loans
End-use flexibility

How it works

Four steps. One conversation.

You share your need

Tap Apply Now, fill in loan type, amount, and a few basic details.

I compare banks

I shortlist the best offers from 30+ banks based on your profile.

You pick & apply

You choose the offer you like. I handle the paperwork end-to-end.

Disbursal to your account

I follow up with the bank until the money is in your account.

Is this for you?

Who I work with

Great fit if you…

Are a salaried or self-employed professional in India
Want someone to compare banks instead of doing it yourself
Need help with documentation and follow-up
Value honest advice over the cheapest headline rate

Probably not if you…

Want a loan against an undisclosed income source
Need the money within the next hour
Are looking to invest rather than borrow

Common questions

Frequently asked

Do I pay anything upfront?

No. My consultation is free. You only pay standard bank processing fees if your loan is approved — and I tell you exactly what they are before you sign.

How is this different from applying directly to a bank?

You get to compare offers from 30+ banks in one place, plus someone to handle paperwork, follow up and resolve issues. For most of my clients, this means a better rate AND less time spent.

How quickly will I get a callback?

Within 24 hours, often the same day. If you submit after business hours, I'll call you first thing the next morning.

Will my credit score be affected?

A single soft enquiry to check eligibility does not affect your score. Hard enquiries happen only when you formally apply with a chosen bank, with your consent.

Are you a bank?

No. I'm Gagan Wadhwa, an authorised partner of Ruloans Distribution Services Pvt. Ltd., a registered loan aggregator. I work with multiple banks so you get unbiased comparisons.

Ready to take the next step?

Tap below to fill in your details. I'll call you back within 24 hours with the best options for your profile — no obligation.

Apply Now — Free Consultation