Questions, answered plainly.

Personal loans, home loans, business loans, mortgage loans (loan against property), machinery loans and project finance.

No. Yatharth Financial Consultancy provides consultancy and loan-related assistance. Loans are provided by banks and financial institutions, and the agreement is between you and the lender.

No. Approval, interest rate, loan amount and terms are always decided by the lender after its own assessment and verification.

Lenders usually look at income, existing obligations, credit history, age, employment or business stability and, for secured loans, the value and title of the security.

Yes. Self-employed individuals and business owners can enquire. Lenders typically assess ITR, financial statements and banking history.

Usually KYC (PAN and Aadhaar or other accepted ID), income proof, bank statements and, for property-backed loans, property documents. The exact list depends on the loan type and lender.

No. Please don't upload PAN, Aadhaar, bank statements or other sensitive documents through the contact form. We'll guide you on a secure way to share them when needed.

Most loans use a reducing-balance method: each EMI covers interest on the outstanding amount plus part of the principal. Rates are set by the lender based on your profile and the product.

No. The calculator gives an illustrative estimate. It excludes fees, insurance and other charges, and the actual rate is decided by the lender.

It depends on the loan type, how complete your documents are, and the lender's checks. Secured loans with property usually take longer than personal loans.

Lenders may charge processing fees as per their policy. Please ask us directly about any consultancy charges before you proceed.