Chandigarh desk · Monday – Saturday, 10:00 am – 7:00 pm
The right road to the right loan.
MSME, business, working capital, project, home and personal loans. We compare banks and NBFCs, prepare a lender-ready file and stay with you until disbursal.
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- To enquire
Free · no credit enquiry
Banks and NBFCs on the panel
Start here
What do you need the money for?
Checking is free. Any fee charged by a lender is told to you before you apply. LoanRaasta does not sanction the loan.
The book
Eight ways to fund the next step
Pick a product for eligibility, documents and an indicative rate. The loan is sanctioned by the bank or NBFC, not by us.
The comparison
Same file. Three kinds of lender.
A public bank, a private bank and an NBFC are not interchangeable. This is the pattern we use before anyone pulls your CIBIL.
| What we weigh | Public sector bank | Private bank | NBFC |
|---|---|---|---|
| Rate | Usually the lowest, once the file is complete | Priced on turnover, banking and score | Higher, traded for speed and flexibility |
| Collateral | Often asked once the amount grows | Unsecured up to a limit, then secured | Often unsecured on smaller tickets |
| Time | Longer. More queries and checks | A few days to a couple of weeks | Fastest after the documents are in |
| Best fit | Clean GST and ITR, and scheme cases | Steady banking and a clear score | Thinner files, or when the date matters |
Indicative pattern, not a rate card. We place your file with the lenders that fit. The bank or NBFC decides the offer.
The routing
Which lender should see this file?
A rate card without your papers is a guess. Answer a few questions and we name the first stop: a public bank, a private bank, or an NBFC.
The process
Four steps, one person on your file
A loan expert stays with the case from the first call until the money is in your account.
- 01
Share your requirement
Fill a 60-second form or call us. Tell us what you need the money for and how much.
- 02
Free profile assessment
A loan expert reviews your financials, CIBIL and documents and points out any gaps before a lender sees them.
- 03
Compare lender offers
We shortlist the banks and NBFCs that fit your profile and compare rates, fees and tenure.
- 04
Sanction & disbursal
We file the application, follow up on lender queries and stay with you until the money reaches your account.
Why LoanRaasta
Banks see hundreds of files a week. Yours should be the one that is ready.
One application, many lenders
Public sector banks, private banks and NBFCs in one place, so you don't have to visit branches one by one.
We prepare your file
CMA data, project reports, ITR and GST reconciliations. We get the paperwork lender-ready.
Subsidy & scheme expertise
We check if you qualify for CGTMSE, Mudra, PMEGP or state subsidies that lower your cost.
Transparent & consent-based
Your data is shared only with lenders you approve. No hidden charges, ever.
Speed without shortcuts
Quick turnaround on assessment, with regular updates at every stage of the application.
Expert for life
Renewals, top-ups, balance transfers and limit enhancements: we stay your finance partner.
Repayment
See the EMI before you borrow
Move the amount, rate and tenure. The figure updates as you go.
Monthly EMI
₹53,735
- Principal
- ₹25,00,000
- Total interest
- ₹7,24,085
- Total amount payable
- ₹32,24,085
Before you sign
Six things the rate card leaves out
The figure that binds you is on the lender’s Key Fact Statement, not on a comparison site.
Fixed or floating
A fixed rate keeps the EMI steady. A floating rate moves with the lender’s benchmark. Home loans are often floating. Many business loans are fixed. Ask which one is on the offer.
EMI against total interest
A longer tenure lowers the monthly figure and raises the interest you pay in total. The calculator shows both. Pick the one the cash flow can carry.
Processing fee
The lender sets it, and it has to appear on the Key Fact Statement before you accept. Checking a file with LoanRaasta is free.
Early closure
Ask the lock-in and the foreclosure charge. A home loan and a business loan do not follow the same rule. The charge belongs on the Key Fact Statement.
Anything bundled
Insurance or a card sold with the loan is a separate product, with its own price. You can refuse what you do not need.
Secured or unsecured
Pledging property usually lowers the rate and slows the file, because of valuation and title. An unsecured loan is faster and priced higher.
Want a fuller picture? Check how much you can borrow
Government schemes
A lower cost, if you qualify
Many businesses are eligible for a guarantee or a subsidy and never hear about it. We check that on every file.
PM Mudra Yojana
Collateral-free credit for a non-farm micro unit. Shishu up to ₹50,000, Kishore up to ₹5 lakh, Tarun up to ₹10 lakh. Tarun Plus, up to ₹20 lakh, is only after a repaid Tarun loan.
Up to ₹20 lakh
CGTMSE
A guarantee to the lender, not cash to you, so an eligible micro or small enterprise can borrow without pledging property. The bank still sanctions the loan.
Guarantee, up to ₹10 crore
PMEGP
Margin-money subsidy for a first unit. Project cost up to ₹50 lakh in manufacturing and ₹20 lakh in services. Own contribution is 10% in the general category and 5% in the special category.
New non-farm unit
Stand-Up India
A bank loan for a greenfield enterprise by an SC/ST or woman entrepreneur. You bring at least 10% of the project cost.
₹10 lakh – ₹1 crore
Ceilings are the published scheme limits. From 1 April 2026, scheduled commercial banks are not to take collateral on a loan up to ₹20 lakh to a micro or small enterprise. That is a direction to the bank. It does not approve the file.
Questions
Asked before the first call
If yours is not here, call or send a WhatsApp. A person answers.
Does LoanRaasta charge a fee to check my eligibility?
No. The consultation and eligibility assessment are free. Any processing fee is charged by the lender and disclosed to you upfront, before you apply.
Will checking my options affect my CIBIL score?
No. Our initial assessment uses the details you share and does not create a hard enquiry. A lender pulls your credit report only when you apply with them, with your consent.
Which documents do I need for a business loan?
Usually KYC, GST returns, 2–3 years of ITR and financials, and 12 months of bank statements. The exact list depends on the loan type and lender, and we send you a personalised checklist.
How long does it take to get a loan?
Unsecured loans for good profiles can be disbursed within a few days of document approval. Secured, MSME and project loans usually take 2–4 weeks because of valuation and legal checks.
Is LoanRaasta a bank or NBFC?
No. LoanRaasta is a loan facilitation service. We help you choose the right lender and prepare your application. The loan itself is sanctioned and disbursed by the bank or NBFC.
Free consultation
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