Lending desk
Borrow with a plan, not a panic.
A personal loan takes ten minutes to get and five years to repay. We slow down the first part-comparing total costs, aligning tenure to your cash flow, and checking whether you should borrow at all.
- Total-cost comparison, not rate comparison
- “Don't borrow” is sometimes our advice
- Prepayment calendar from day one
₹5 L personal loan · 5 years
The rate isn't the cost
Same loan, two ways of quoting it
Illustrative. Flat rates quote low and cost high-always compare the total outgo, never the headline.
Sound familiar?
How loans quietly eat Indian salaries
Unsecured credit is the most expensive money most families ever touch. These are the four traps we see every week.
EMI-first selling
“Just ₹2,000 a month!” sounds harmless-until you multiply it by 60 months and add processing fees, bundled insurance and GST.
What it costs you: The EMI hides the outgo-sometimes 40% more than you borrowed.
The flat-rate trap
An “8% flat” loan costs about the same as 15% reducing. Both statements are technically true; only one is honest.
What it costs you: Borrowers overpay lakhs comparing the wrong numbers.
Loan stacking
A credit card rollover here, a consumer loan there, BNPL for the phone-suddenly half the salary is spoken for on the 1st.
What it costs you: Stacked short-term debt is the priciest money in India.
Prepayment surprises
You get a bonus, try to close the loan early, and discover foreclosure charges and lock-in clauses in the fine print.
What it costs you: The flexibility you assumed you had was never in the contract.
How Saarthi Capital helps
Debt that serves your goals, not eats them
Sometimes the right answer is a cheaper lender. Sometimes it's not borrowing at all. Either way, you'll know why.
First: should you borrow at all?
Sometimes the right answer is a planned redemption, an FD break, or waiting three months. If a loan isn't the best instrument, we say so.
Total-cost comparison, not rate comparison
Rate, processing fee, insurance bundling, foreclosure terms-one honest number per lender, side by side.
Tenure aligned to cash flow
EMI sized so your savings rate survives the loan. A loan that forces you to stop investing is priced wrong, whatever the rate.
A prepayment calendar from day one
We map bonus seasons and expected windfalls to prepayment windows-so the loan shrinks years ahead of schedule.
The engagement
What we handle for you
01
Need identification
Consolidation, lifecycle event or emergency-we first check whether a loan is even the right instrument.
02
Lender shortlist with real totals
Transparent comparisons across banks and NBFCs: rate, fees, and full interest outgo-not just the EMI.
03
Documentation checklist
A crisp list that reduces back-and-forth and speeds up disbursal.
04
Post-disbursal discipline
EMIs, milestones and prepayment windows tracked-so the loan shrinks on schedule.
How it works
A calm workflow-on purpose
Clarity first, commitment second. Here is exactly what happens after you reach out.
01
Share the requirement
Amount, purpose, existing obligations. Fifteen minutes, no documents yet.
02
Get structured options
2–3 lenders with total-cost math and our recommendation-including “don't borrow” when that's the answer.
03
Apply with a checklist
Documentation done once, correctly. No daily bank visits.
04
Shrink it early
Prepayment reminders when your cash flow allows. Debt should have an exit date.
Free tools
Run the numbers before we talk
Stress-test every idea with our free calculators-then bring the numbers to a conversation.
Questions people ask us
Will checking with you affect my CIBIL score?
No. Our comparison and structuring conversations don't trigger hard enquiries. A hard enquiry happens only when you formally apply with a lender.
Should I prepay my loan or invest the money instead?
It depends on the loan's post-tax cost versus realistic post-tax returns. For a 12–14% personal loan, prepayment usually wins; for an 8.5% home loan, investing often does. We run both numbers for your case.
Is a balance transfer worth it?
Sometimes. If your current rate is high and the remaining tenure is long, transferring to a cheaper lender can save lakhs-even after fees. We compute the break-even before recommending it.
How much EMI is too much?
A common guardrail: total EMIs under 40% of take-home, with your SIPs still running. If a loan breaks that, we restructure the amount or tenure-or advise against it.
Do you charge for loan guidance?
The discovery conversation and options comparison are free. If we facilitate a disbursal, we're compensated by the lender-disclosed upfront, never added to your rate.
Start here
Compare before you commit
Share your requirement and existing obligations. We'll come back with structured options and honest advice-even if that advice is “don't borrow”.
- Reply within 1 business day
- Discovery call before any product talk
- Everything documented over email
Prefer email? [email protected]