LOAN AND INSURANCE ADVISORY

One advisor. Many options. The right fit for you.

We compare offers from banks, finance companies and insurers, prepare your file and assign a dedicated advisor to your case.

40+

Partner Banks & NBFCs

1,000+ Clients

Individual & Business Clients

12+ Yrs

Advisory Vintage

Pan-India

Offices in Mumbai & Ahmedabad

Our Solutions

Protect your family, health and business

For individuals, NRIs and businesses. We compare lenders for each product and recommend the best fit for your profile.

Personal Loan

Get quick, unsecured financing for medical emergencies, weddings, home renovations, or debt consolidation.

Collateral-free funding up to ₹40 lakh
Fast approval in 24 to 48 hours post verification
Flexible tenure from 12 to 84 months

Unsecured Personal Loan

Need funds without pledging assets? Access unsecured personal funding evaluated on your income profile and credit strength.

Zero asset pledge required to apply
Rapid processing based on income & credit score
Short-term options to repay faster with less debt

Insurance Services

Safeguard your family, business, and assets with tailored insurance coverage designed to fit your unique financial goals.

Life, Health, General and Keyman insurance plans
Unbiased policy comparison across top Indian insurers
End-to-end claim assistance and renewal support

Home Loan

Finance your dream home with competitive interest rates, transparent terms, and flexible repayment up to 30 years.

Compare home loan offers from banks and HFCs
Tenure up to 30 years with lowest rates from 8.5%
Complete assistance with property papers & legal check

Loan Against Property

Leverage your residential or commercial property to access substantial funds for business expansion, education, or personal needs.

Unlock up to 80% of your property market value
Repayment tenure up to 20 years with low EMIs
Available for residential and commercial properties

Business Loan

Scale your operations, purchase new machinery, hire talent, or manage inventory with customized business financing.

High loan amounts based on turnover & cash flow
Competitive interest rates with structured EMIs
Quick turnaround time with dedicated advisor

Unsecured Business Loan

Expand your enterprise without risking valuable business assets. Unsecured business funding tailored for SMEs and entrepreneurs.

Zero collateral required — business assets stay safe
Evaluated on banking cash flows and business health
Fast disbursal with minimal documentation

Working Capital Loan

Bridge the gap between receivables and payables. Keep inventory moving and payroll on time with flexible working capital credit.

Cash credit (CC), overdraft (OD) & invoice financing
Keep day-to-day operations smooth without liquidity crunch
Pay interest only on the amount utilized

Project Funding

Comprehensive capital solutions for real estate developers and builders. Complete construction work on schedule without financing pauses.

Customized project financing for residential & commercial
Disbursement milestone-linked to construction stages
Dedicated advisor to navigate lender criteria

Loan Against Securities

Meet urgent funding needs while keeping your investment portfolio intact. Get an instant credit line against your securities at attractive rates.

Pledge shares, mutual funds or bonds without selling
Retain dividend rights, bonuses and capital appreciation
Instant overdraft limit against approved portfolio

About Nihal Fintech

Institutional debt advisors, not transactional loan agents

Founded as a financial advisory practice in 2013 and incorporated as Nihal Fintech Pvt. Ltd. in 2023, we help borrowers navigate complex financing requirements through a network of banks and financial institutions.

Our financial advisory approach

Every financing requirement is different. We assess your financial profile, documentation and funding requirement to identify suitable lending options from our network of banks and financial institutions.

We support lender comparison, application structuring, documentation and coordination through the process, while the final approval, terms and rates remain with the selected lender.

Advisory roots

2013

Financial advisory practice

Incorporated

2023

Nihal Fintech Pvt. Ltd.

Lender network

40+*

Banks and financial institutions

Why Nihal Fintech

One branch, or the whole market

Walking into a bank gets you that bank’s answer. Coming to us puts your profile in front of the lenders most likely to approve it.

Going to one bank

Going through Nihal Fintech

Plan before you apply

Work out your EMI and get the exact list of papers lenders ask for.

Loan amount ₹4,17,00,000

₹1 lakh ₹10 crore

Interest rate (p.a.) 14.25%

6% 20%

Tenure 7 years

1 year 30 years

Monthly EMI ₹7,87,229

Principal

₹4,17,00,000

Total interest

₹2,44,27,215

Total payable

₹6,61,27,215

Check Eligibility for This Loan

For planning only. Your lender confirms the final EMI.

CASE STUDY

A deal we have closed

A recent case from our work.

WORKING CAPITAL ENHANCEMENT

₹8 Cr

A Mumbai-based engineering components manufacturer with ₹60 Cr turnover and 12 years in business. Its existing ₹4 Cr cash credit limit no longer matches its order book.

Our approach: assess the working capital need from audited financials, the stock and debtor cycle, and the order pipeline. Then propose increasing the limit to ₹8 Cr, backed by stock and book debts, with the factory land and building as additional security.

Client

Engineering manufacturer, Mumbai

Turnover

₹60 Cr

Structure

Cash credit enhancement (₹4 Cr → ₹8 Cr)

Security

Factory land & building, valued ~₹12 Cr

industry desks

Sector desks for large funding

Big-ticket loans need someone who understands how your industry earns. Each desk works with lenders that know your sector.

Real estate & construction

For developers, builders and owners of commercial property.

Construction and project finance
Lease rental discounting
Loan against commercial property

Manufacturing & Engineering

For plants, workshops and suppliers that need capital to grow.

Working capital limits
Machinery and capex term loans
Loan against factory property

Doctors

For hospitals, clinics, diagnostic centres and pharma units.

Expansion and equipment finance
Working capital
Loan against hospital property

Real estate & construction

For developers, builders and owners of commercial property.

Construction and project finance
Lease rental discounting
Loan against commercial property

Manufacturing & Engineering

For plants, workshops and suppliers that need capital to grow.

Working capital limits
Machinery and capex term loans
Loan against factory property

Doctors

For hospitals, clinics, diagnostic centres and pharma units.

Expansion and equipment finance
Working capital
Loan against hospital property

track record

Businesses we have worked with

From first-time home buyers to companies raising crores in working capital. Client logos are shown with each company’s permission.

our offices

Meet us in person

Visit an advisory office, or ask for a call and we will come to you.

Head office

Mumbai

Branch office

Ahmedabad

How we work

Six steps from enquiry to disbursement

At every step you know what is happening, who is handling it and what you get at the end of it.

Profile check

We look at your income, credit history, assets and existing loans, and tell you honestly what is possible.

who

You + your advisor

You get

A clear idea of what you can get

Lender matching

We pick the banks and finance companies whose rules fit your profile, so you apply where approval is likely.

who

Your advisor

You get

A short list of lenders

Documents and checking

We give you one checklist, collect your papers and check them before the lender sees your file.

who

You + your advisor

You get

A complete, checked file

File submission

We present your case to the chosen lender and handle their questions for you.

who

Your advisor

You get

No need to chase the lender

Offer and negotiation

We compare the offers and try to get you better rates, fees and terms where possible.

who

Your advisor

You get

Offers you can compare

Disbursement

We follow up on the final steps until the money reaches you.

who

You + your advisor

You get

Funds in your bank account

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What our clients say

    
 
 
       Posted on Google  
   
   Dev singh 
 
 
 
 Trustindex verifies that the original source of the review is Google. Smooth process along with correct guidance
  
 
      Posted on Google  
   
   PRATIK SHAH 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nihal Fintech helped alot throughout the process and provided complete support especially Rajesh More and Niral mehta. Really thanks for helping us throughout and help us to achieve our dream of having house in Mumbai.
  
 
      Posted on Google  
   
   Harsshal Gosavi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very professional and reliable finance consultant. Clear guidance, quick response, and transparent process. Highly recommended for loans and financial solutions.
  
 
      Posted on Google  
   
   Vikas Ambade 
 
 
 
 Trustindex verifies that the original source of the review is Google. All documentation work was completed on time; thanks for the team.

FAQ's

Questions borrowers ask us

Do not see yours? Ask an advisor directly.

Is Nihal Fintech a bank or a lender?

No. Nihal Fintech is a loan advisor and distribution partner for banks and NBFCs. We help you choose a lender and prepare your application; the bank or NBFC makes the final decision and sanctions the loan.

Do I need a good CIBIL score to get a loan?

Even if your CIBIL score is less than ideal, our experts can guide you toward the best possible financing solution.

How long does the loan approval process take?

It depends on the loan type, the lender and how complete your documents are. We help you prepare your file, so there are fewer delays.

I am self-employed. Will I face issues getting a loan?

We help present your financials and business vintage in the best possible light, and match you with lenders whose policies suit your profile.

Can NRIs apply for home or property loans in India?

Yes. We specialise in NRI financial services and manage the documentation locally.

Guides from our advisors

Plain-language answers to the questions that come up before you borrow or buy a policy.

Not sure which loan or lender is right for you?

Share a few details and an advisor will call you to check feasibility. Or call us on +91 77009 44833