Home » Individuals & NRI Loans
Individuals & NRI
For salaried and self-employed people, professionals and NRIs. Buy or build a home, borrow against your property or investments, or fund a personal need. We compare lenders and assign a dedicated planner to your case.
OUR SOLUTIONS
We compare lenders for each product and recommend the best fit for your profile.
ALL LOANS AT A GLANCE
Eligibility, amount, tenure and rate depend on the lender and your profile. An advisor will confirm what applies to you.
LOAN
Best for
Who it suits
Collateral
Home Loan
Buying, building or renovating a home
Salaried and self-employed
Secured by the property
Loan Against Property
Funds for business or personal needs
Property owners
Secured by your property
Loan Against Securities
Funds without selling investments
Investors
Secured by shares or funds
Personal Loan
Planned or urgent personal needs
Salaried applicants
Unsecured
Unsecured Personal & Business Loan
Funds without collateral
Individuals and business owners
Unsecured
NRI Loans
Property in India while living abroad
NRIs and PIOs
Usually secured by property
Balance Transfer
Moving an existing loan to another lender
Existing borrowers
As per the existing loan
CHOOSE BY NEED
Start from what you need and we will point you to the right loan.
Buy or build a home
Compare home loan offers from banks and housing finance companies with end-to-end guidance.
Borrow against my property
Unlock high-value liquidity from residential or commercial property you own.
Get funds without selling my investments
Borrow against shares, mutual funds or bonds while keeping your portfolio fully invested.
Buy property in India from abroad
Tailored financing for NRIs and PIOs with overseas income document assistance.
Fund a wedding, travel or medical need
Quick personal loans with no collateral needed, shortlisted by your salary and employer profile.
Borrow without giving collateral
Flexible unsecured financing for personal or business needs without pledging property.
Partner with Nihal Fintech or refer someone through Refer & Earn, with rewards starting from ₹2,500 up to lakhs*.
Work out your EMI and get the exact list of papers lenders ask for.
For planning only. Your lender confirms the final EMI.
How we work
At every step you know what is happening, who is handling it and what you get at the end of it.
01
We review your income, credit history, property and existing loans, and tell you honestly what is possible.
who
You + your advisor
You get
A clear view of what is possible
02
We shortlist the banks and NBFCs whose policies fit your profile, so you apply where approval is likely.
who
You + your advisor
You get
A clear view of what is possible
03
We give you one checklist, collect the papers and check them before the lender sees your file.
who
You + your advisor
You get
A clear view of what is possible
04
We present your case to the chosen lender and handle their questions on your behalf.
who
You + your advisor
You get
A clear view of what is possible
05
We compare the sanction terms and negotiate rate, fees and conditions where possible.
who
You + your advisor
You get
A clear view of what is possible
We follow up on legal, valuation and agreement steps until the money reaches you.
who
You + your advisor
You get
A clear view of what is possible
It depends on what the money is for, whether you own property or investments you can borrow against, and your income. Tell us your need and an advisor will suggest the right product and the lenders that fit your profile.
Yes. We specialise in NRI financial services and manage the documentation locally.
Even if your CIBIL score is less than ideal, our experts can guide you toward the best possible financing solution.
It depends on the loan and on whether you are salaried, self-employed or an NRI. Our document checklist shows the usual papers for each profile, and your advisor confirms the final list for your lender.
No. All processing fees, interest rates and bank charges are clearly explained upfront.
Share a few details and an advisor will call you to check feasibility. Or call us on +91 77009 44833.
