Popular Questions
Frequently Asked Questions
Everything you need to know about our loans, investments, and consultancy services — answered simply.
What documents are required to apply for a loan?
Typically ID proof, address proof, income proof (salary slips/ITR), bank statements (last 6 months), and property documents (for home loans/LAP). Our team gives you a checklist specific to your loan type.
How long does loan approval and disbursal take?
With our NBFC and bank network, sanctions can happen within 24–48 hours in many cases, subject to documentation and eligibility. Disbursal timelines depend on the lender and property/legal verification.
Does a low CIBIL score affect my loan approval?
Yes, credit score is a key factor, but we work with multiple NBFCs and banks, so we help match you with lenders whose eligibility criteria best fit your profile.
Are there any charges for your loan facilitation services?
We're transparent about all charges upfront — most of our facilitation is compensated by our NBFC/bank partners, not the client. Ask your advisor for specifics on your loan.
Can self-employed individuals or small business owners apply for a home loan?
Yes, we work with lenders who offer home and business loans specifically structured for self-employed and SME applicants, with income assessed via ITR and business proof.
What is the minimum amount needed to start investing in mutual funds?
You can start a SIP with as little as ₹500/month; lump-sum investments have no fixed minimum but depend on the fund house.
Are Fixed Deposits with NBFCs safe?
We place FDs only with reputed, credit-rated NBFCs and banks, and share the credit rating and terms upfront so you can make an informed decision.
How do you decide the right investment mix for me?
We assess your financial goals, risk appetite, time horizon, and liquidity needs before recommending an asset allocation across mutual funds, FDs, and other instruments.
Can I invest for my child's education or my retirement through Sonvarsa?
Yes — we offer dedicated goal-based planning for retirement, pension, and your child's future (education, marriage) with instruments matched to that timeline.
What kind of consultancy services do you offer besides loans and investments?
We advise on taxation, commercial and financial-legal matters, and industrial/labour consultancy for individuals and businesses.
Do you help with tax planning and filing?
We provide taxation advisory to help you plan efficiently; for filing, we can connect you with our associated tax professionals.
Do you charge for the initial consultation?
No, the first consultation to understand your needs is free.
Which cities do you operate in?
We currently serve clients across Delhi NCR and are expanding — reach out to check availability in your city.