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🏆 AHMEDABAD'S #1 LOAN CONSULTANCY

Smart Finance.
Faster Approvals.
Better Future.

Expert guidance for Home Loans, Business Loans, LAP & more — best rates from 25+ banks, end-to-end support.

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₹500Cr+
Loans Disbursed
10,000+
Happy Clients
4.9 ★
Google Rating
25+
Bank Partners
15+
Yrs Experience

Quick Enquiry

✓ Free  ·  ✓ No Spam  ·  ✓ Response in 30 min

25+ Bank Partners
SBI, HDFC, ICICI & more
Fast Approval
As quick as 48 hours
Lowest Rates
Starting 7.5% p.a.
100% Secure
Data privacy assured
Zero Hidden Charges
Full transparency

Our Trusted Bank & NBFC Partners

SBIHDFC BankICICI BankAxis BankKotak MahindraPNB Housing FinanceLIC Housing FinanceBajaj FinservYes BankBank of BarodaCanara BankIDBI BankTata CapitalAditya Birla FinanceIndiabulls HousingIDFC First BankUnion Bank+ 8 More
Our Services

Complete Loan Solutions

All loan products under one roof — residential, commercial and business financing.

🏠

Home Loan

Competitive rates for residential property purchase, construction and renovation.

From 7.15% p.a. →
🏢

Loan Against Property

Unlock value of your existing property for personal or business needs.

Up to 75% of value →
🏗️

Commercial Property Finance

Finance office, shop or commercial space with expert structuring.

Up to ₹10 Cr →
💼

Unsecured Business Loan

No collateral required. Fast funding for SMEs and entrepreneurs.

Approval in 72 hrs →
📊

Working Capital Loan

Flexible financing for daily operations, inventory and cash flow.

Flexible tenure →
🏛️

Project Construction Finance

End-to-end funding from land acquisition to project completion.

Custom structuring →
💬 Ask on WhatsApp
Real Savings

Client Success Stories

Real clients, real savings — see how Finance Market made a difference.

Home Loan
Rajesh Patel, Ahmedabad
Loan Amount
₹62 Lakhs
Tenure
20 Years
Bank Rate
9.2% p.a.
Got Rate
8.4% p.a.
Total Interest Saved
₹7.8 Lakhs
"Finance Market compared 7 banks and got me a rate 0.8% lower. The savings are huge over 20 years!"
Balance Transfer
Neel Kapoor, Ahmedabad
Loan Amount
₹45 Lakhs
Remaining Tenure
15 Years
Old Rate
9.5% p.a.
New Rate
8.35% p.a.
Total Interest Saved
₹4.2 Lakhs
"Zero processing fee on transfer. The whole process took just 8 days. Excellent service!"
Unsecured Business Loan
Ankit Shah, Surat
Loan Amount
₹80 Lakhs
Approved In
4 Days
Collateral
None
Outcome
✓ Approved
Processing Time
4 Days Only
"No collateral, no hassle. Finance Market knew exactly which bank to approach for my profile."
How It Works

Loan Approval in 4 Simple Steps

01

Free Consultation

Share your requirement with our expert advisors — free of charge.

02

Document Collection

We guide you to prepare all documents accurately and quickly.

03

Best Bank Match

We compare 25+ lenders and select the best rate for your profile.

04

Disbursal

We handle all paperwork. Money in your account — fast.

FAQ

Common Questions

Quick answers to the questions we hear most often.

Home loans typically take 7–15 working days. Unsecured business loans can be approved in as little as 48–72 hours. The timeline depends on your documentation completeness and the bank's internal process.
Most banks require a minimum CIBIL score of 700. A score of 750+ gives you access to the best interest rates. We can guide you on improving your score before applying.
Our consultation is completely FREE. We are compensated by the banks/NBFCs we work with. You pay zero advisory fees — our goal is simply to get you the best deal possible.
Yes, absolutely. We work extensively with self-employed professionals, proprietors, partners, and directors. The documentation is slightly different but we guide you through the entire process.
Client Reviews

What Our Clients Say

4.9
★★★★★
678 Google Reviews
5★ 94%   4★ 4%   3★ 2%
★★★★★

"Got home loan sanctioned in 5 days. Kamal bhai and team handled everything. Best consultancy in Ahmedabad!"

RP
Rajesh Patel
Home Loan · Ahmedabad
★★★★★

"Got ₹80 lakh unsecured business loan in 4 days — no collateral. Very professional, zero hidden charges!"

AS
Ankit Shah
Business Loan · Surat
★★★★★

"Compared 8 banks and got 0.75% lower than my own bank. Savings were massive. Very honest team."

PM
Priya Mehta
LAP · Vadodara
Free Downloads

Free Resources for You

Useful guides and checklists — completely free, no registration needed.

📋

Home Loan Document Checklist

Complete list of documents needed for home loan — salaried & self-employed

Download Free →
🏦

Bank Rate Comparison Guide

Current rates from top 10 banks — updated monthly to help you choose the best

📊

Loan Eligibility Guide

Understand exactly how banks calculate your loan eligibility — FOIR, CIBIL & more

💬

Get Personalized Advice

Tell us your requirement on WhatsApp — we'll guide you to the best loan option instantly

💬 WhatsApp Now
Services

Loan Products

🏠

Home Loan

Finance purchase, construction or renovation of residential property.

  • Tenure up to 30 years
  • Loan up to ₹5 Cr
  • From 7.15% p.a.
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🏢

Loan Against Property

Mortgage your residential or commercial property to meet large financial needs.

  • Up to 75% of property value
  • Tenure up to 15 years
  • From 9% p.a.
💬 WhatsApp
🏗️

Commercial Property Finance

Purchase office, showroom or commercial space with customized solutions.

  • Up to ₹10 Cr
  • Flexible tenure
  • Fast processing
💬 WhatsApp
💼

Unsecured Business Loan

No collateral required. Quick funding for MSMEs and entrepreneurs.

  • No collateral needed
  • Approval in 72 hours
  • Up to ₹50 Lakhs
💬 WhatsApp
📊

Working Capital Limits

OD/CC limits, bill discounting and working capital solutions for businesses.

  • Revolving credit limit
  • Competitive interest
  • Flexible utilisation
💬 WhatsApp
🏛️

Builder / Project Construction Finance

Comprehensive financing for construction projects from land to completion.

  • Stage-wise disbursement
  • Custom structuring
  • Expert project appraisal
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Tools

Loan Calculators

Calculate, copy and share results directly with your clients

EMI Calculator

MONTHLY EMI
₹43,391
PRINCIPAL
₹50,00,000
TOTAL INTEREST
₹54,13,879
TOTAL PAYMENT
₹1,04,13,879
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How EMI is Calculated

EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ - 1)

  • P = Principal loan amount
  • r = Monthly interest rate
  • n = Total monthly installments

Tips to reduce your EMI

  • Increase your down payment
  • Choose a longer tenure
  • Improve your credit score
  • Compare rates across banks

Loan Comparison Calculator

Existing Loan

New Offer

Monthly EMI
₹46,607
₹43,391
Total Interest
₹61,85,574
₹54,13,879
Total Payment
₹1,11,85,574
₹1,04,13,879
TOTAL SAVINGS WITH NEW OFFER
₹7,71,695

When to Switch Your Loan?

  • Rate difference of 0.5% or more makes switching worthwhile
  • Check balance transfer charges (0.5–1%)
  • Verify prepayment penalty on existing loan
  • Remaining tenure should be 5+ years
💬 Ask on WhatsApp →

Loan Eligibility Calculator

ESTIMATED ELIGIBILITY
₹61,77,548
EMI CAPACITY
₹47,500
FOIR USED
0%
FREE / MONTH
₹52,500

How Eligibility Works

  • FOIR — Enter manually as per your bank (0–300%). Standard banks allow 40–55%, some NBFCs allow higher.
  • Credit Score — 750+ gives best rates
  • Income Stability — 2+ years regular income needed
  • Existing liabilities reduce eligible amount
Estimate only. Contact us for an exact assessment from your preferred bank.
Documents

Documents Required

Tick applicable documents → Copy, Email or WhatsApp directly to client

🧑‍💼 Salaried Individual

🏪 Proprietor

🤝 Partner in Firm

👔 Director – Pvt. Ltd.

🏢 Pvt. Ltd. Company

📝 Partnership Firm

🏠 Property Documents

💡

How to use this checklist

Tick only the applicable documents → Click Copy List, Email or WhatsApp to share with your client instantly.

💬 Call for Help
Current Rates

Latest Offers & Interest Rates

Updated: May 2026 · Subject to change based on bank policy & applicant profile

⚡ Special Offer: Home Loan & Balance Transfer from 7.15% p.a. — lowest rate in market! LAP & Commercial Property from 8.5% p.a. WhatsApp to claim →
Loan TypeInterest Rate (p.a.)Max TenureMax AmountProcessing FeeAction
Home Loan7.15% – 7.50%30 Years₹5 Cr0.25% – 0.5%Apply →
Loan Against Property8.5% – 9%15 Years75% of value0.5% – 1%Apply →
Commercial Property Finance8.5% – 9%15 Years₹10 Cr0.5% – 1%Apply →
Unsecured Business Loan12% – 18%5 Years₹50 Lakhs1% – 2%Apply →
Working Capital (CC/OD)9.5% – 13%Annual RenewalAs per eligibility0.5% – 1%Apply →
Construction Finance10% – 13%5 YearsAs per projectCustomApply →
Balance Transfer7.15% – 7.50%30 YearsAs per eligibilityZero (Special)Apply →

* Rates are indicative. Actual rates vary by bank, credit score, income profile and LTV. Contact Finance Market for exact rates.

Real Savings

Client Success Stories

Real clients, real numbers — see the difference Finance Market makes.

Home Loan
Rajesh Patel, Ahmedabad
Loan Amount
₹62 Lakhs
Tenure
20 Years
Bank's Rate
9.2% p.a.
Got Rate
8.4% p.a.
Total Interest Saved
₹7.8 Lakhs
"Finance Market compared 7 banks and got me a rate 0.8% lower. The savings are huge over 20 years!"
Balance Transfer
Neel Kapoor, Ahmedabad
Loan Amount
₹45 Lakhs
Remaining Tenure
15 Years
Old Rate
9.5% p.a.
New Rate
8.35% p.a.
Total Interest Saved
₹4.2 Lakhs
"Zero processing fee on transfer. The whole process took just 8 days. Excellent service!"
Unsecured Business Loan
Ankit Shah, Surat
Loan Amount
₹80 Lakhs
Approved In
4 Days
Collateral
None Required
Outcome
✓ Approved
Processing Time
4 Days Only
"No collateral, no hassle. Finance Market knew exactly which bank to approach for my profile."
Loan Against Property
Priya Mehta, Vadodara
Loan Amount
₹1.2 Cr
Property Value
₹1.8 Cr
Bank's Rate
11% p.a.
Got Rate
9.75% p.a.
Total Interest Saved
₹11.4 Lakhs
"They compared 8 banks and got me 1.25% lower. For a big loan, this is life-changing savings."
Working Capital
Mahesh Joshi, Ahmedabad
CC Limit
₹1 Cr
Business Type
Textile
Previous Limit
₹40 Lakhs
Enhancement
+150%
Working Capital Increased By
₹60 Lakhs
"Finance Market helped enhance my CC limit from ₹40L to ₹1 Cr. Business growth became possible."
Home Loan – First Time Buyer
Shruti Vyas, Ahmedabad
Loan Amount
₹35 Lakhs
Tenure
25 Years
Rejection History
2 Banks
Outcome
✓ Approved
Time Taken
12 Working Days
"Was rejected by 2 banks. Finance Market identified the right lender and got my loan approved!"

Want to be our next success story?

Get a free consultation and find out how much you can save.

💬 WhatsApp Us
FAQ

Frequently Asked Questions

Everything you need to know before applying for a loan.

General Questions

Home loans typically take 7–15 working days. Unsecured business loans can be approved in 48–72 hours. The timeline depends on documentation completeness and the bank's internal process. Finance Market ensures the fastest processing by submitting complete files.
Most banks require a minimum CIBIL score of 700 for home loans and 750 for business loans. A score of 750+ gives you access to the best interest rates. We provide free CIBIL assessment and guidance to improve your score if needed.
Our consultation and advisory service is completely FREE. We are compensated by the banks and NBFCs we work with. You pay zero advisory fees. Our goal is to get you the best loan deal at no extra cost to you.
Yes, absolutely. We work extensively with self-employed professionals, proprietors, partners and directors. The documentation requirements are slightly different but we guide you through every step. We have strong relationships with banks that specialise in self-employed profiles.
Yes — many of our clients came to us after rejection by 1–2 banks. We analyse the reason for rejection, help resolve the issue (documentation, CIBIL, income proof), and identify the right bank for your specific profile.
A balance transfer means moving your existing loan to a new bank at a lower interest rate. It makes sense when the rate difference is 0.5% or more, and your remaining tenure is 5+ years. We calculate the exact savings vs transfer costs for free.

Loan Specific Questions

Typically banks offer 75–90% of the property value as loan. Your eligibility also depends on income, existing liabilities, credit score and age. Use our Eligibility Calculator or contact us for a personalised assessment.
LAP allows you to mortgage your existing residential or commercial property to get a loan for any purpose — business expansion, education, medical emergency, or personal needs. You can get up to 75% of the property's market value. The interest rate is lower than personal loans.
For unsecured business loans: Last 2 years ITR, bank statements (12 months), business registration proof, PAN card, Aadhaar, and business financial statements. For working capital: GST returns and CC account statements are also needed. Check our Documents page for complete lists.
For floating rate home loans, RBI has mandated zero prepayment charges for individual borrowers. For fixed rate loans and business loans, charges may apply. We negotiate the best terms including minimal prepayment clauses before you sign.
We analyse your complete profile — income, CIBIL score, property, business financials — and match it against criteria of 25+ banks and NBFCs. We then recommend 2–3 best options with the lowest rate and highest approval probability for your specific case.
Absolutely. We treat all client data with strict confidentiality. Your documents and information are shared only with the lender you approve, solely for the purpose of loan processing. We do not share data with any third party for marketing or any other purpose.

Still have a question?

Call us or WhatsApp — our experts reply within minutes.

📞 Call +91 98256 42171 💬 Ask on WhatsApp
Knowledge Centre

Blog & Financial Tips

How to Choose Best Home Loan?
Home Loan

How to Choose the Best Home Loan in 2026

Total cost awareness, comparing rates, understanding hidden charges.

May 2026 · 5 min read
📊
Credit Score

How CIBIL Score Affects Your Loan Rate

A 750+ score can save you lakhs. Here's how to improve it fast.

April 2026 · 4 min read
🏢
Business Loan

Unsecured vs Secured Business Loans

Trade-offs between collateral-free and secured credit for businesses.

March 2026 · 6 min read
⚖️
Balance Transfer

Is It Worth Transferring Your Home Loan?

Calculating real savings after charges — breakeven point analysis.

February 2026 · 5 min read
📋
Documents

Complete Document Checklist for Home Loan 2026

Full list for salaried and self-employed — both stages covered.

January 2026 · 7 min read
💰
Working Capital

CC Limit vs OD vs Bill Discounting

Practical guide for business owners on working capital options.

December 2025 · 5 min read
Working Capital
Working Capital

CC Limit vs OD vs Bill Discounting — Which Is Best for Your Business?

FM
Finance Market
December 2025 · 5 min read

For businesses, managing day-to-day cash flow is as important as profitability. Three popular working capital products are Cash Credit (CC), Overdraft (OD), and Bill Discounting. Each serves a different purpose.

Cash Credit (CC) Limit

What it is: A revolving credit limit against your stock and debtors. You can withdraw any amount up to the limit and repay when cash is available.
Interest: Only on the amount used, not the full limit.
Best for: Trading businesses, manufacturers with stock-based operations.
Rate: 9.5–13% p.a.

Overdraft (OD) Limit

What it is: A credit facility linked to your current account, usually against property or fixed deposits.
Interest: Only on amount utilised per day.
Best for: Service businesses, professionals, businesses with property to offer.
Rate: 9–12% p.a. (lower if against FD or property)

Bill Discounting

What it is: You submit unpaid invoices (bills) to the bank. The bank pays you immediately (minus a small fee) and collects from your customer when due.
Best for: Businesses with large B2B customers who pay on 30–90 day credit terms.
Rate: 8–11% p.a. (very competitive as bank has invoice security)

Which One is Right for You?

• Stock-heavy business (trader/manufacturer) → CC Limit
• Service/professional business → OD against property or FD
• B2B business with long payment cycles → Bill Discounting
• Need all three? Finance Market structures combined limits for maximum benefit.

Need personalised loan advice?

Our experts at Finance Market will guide you to the best loan option for your specific situation — completely free.

💬 WhatsApp Us
About Us

Kamal Thakkar & Co.
Finance Market

Finance Market is Ahmedabad's most trusted loan consultancy, founded by Kamal Thakkar — MBA from S.R. Luthra Institute of Management with 15+ years of expertise in corporate and individual finance.

  • Consultants for Corporate & Individual Finance since 2008
  • Home Finance, Working Capital, Builder Finance, Unsecured Business Finance & LAP
  • Strong relationships with 25+ leading banks and NBFCs
  • 4.9 Stars on Google with 678 verified reviews
  • 807, Aaron Spectra, Bodakdev, Ahmedabad

Finance Market at a Glance

Founded2008
Loans Disbursed₹500 Cr+
Happy Clients10,000+
Bank Partners25+
Google Rating4.9 ★ (678)
OfficeBodakdev, Ahmedabad
Our Team

Meet the Expert

Kamal Thakkar – Founder, Finance Market
KT
Kamal Thakkar
FOUNDER & PARTNER
🎓
Education
MBA — S.R. Luthra Institute of Management
BBA — M.S. University of Baroda
💼
Designation
Founder & Partner — Finance Market (Kamal Thakkar & Co.)
📅
Experience
22+ Years in Corporate & Individual Finance Consulting
🏆
Specialisation
Home Loans, LAP, Unsecured Business Finance, Working Capital, Builder Project Finance
🔗
Reema Thakkar – Co-Owner, Finance Market
RT
Reema Thakkar
CO-FOUNDER & PARTNER
🎓
Education
Finance & Management Graduate
Ahmedabad
💼
Designation
Co-Founder & Partner — Finance Market (Kamal Thakkar & Co.)
📅
Experience
22+ Years in Corporate & Individual Finance Consultancy
🏆
Specialisation
Corporate Finance, Individual Loan Consultancy, Bank & NBFC Tie-ups, Client Relations
🔗
Reviews

Google Reviews

4.9
★★★★★
678 Google Verified Reviews
5★ 94%
4★ 4%
3★ 2%
⭐

4.9 ★ on Google · 678 Reviews

Happy with our service? Your review helps others find us!

Get In Touch

Contact Us

Let's Talk Finance

Our advisors are available Mon–Sat, 9am–7pm. Reach us via call, WhatsApp or email — free consultation always.

📞
Call / WhatsApp
+91 98256 42171
✉️
Email
info@financemarket.co.in
🌐
Website
www.financemarket.co.in
📍
Office Address
807, Aaron Spectra, Rajpath Rangoli Road,
Bodakdev, Ahmedabad – 380054
📍 Open in Google Maps →

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