We connect you with the right banks & NBFCs across India — cutting through the complexity so you get the best loan at the best rate, with zero stress.
Whether you're buying a home, growing a business, or simply easing your finances — we match you with the best option available.
First-time buyer, self-construction, or upgrade — we find the most competitive rates from banks & HFCs across India.
For EveryoneUnlock the value of your existing property. Loan Against Property for business expansion, personal needs, or debt consolidation.
Property OwnersFast approvals, minimal documentation. Medical, travel, wedding, or any personal need — we get it done quickly.
Salaried IndividualsFuel your growth. Working capital, equipment financing, or expansion funds — we match you with the right lender.
SMEs & Self-EmployedFlexible credit lines for businesses — Overdraft and Cash Credit facilities to manage daily operations without cash flow stress.
Business OwnersNew car, used vehicle, or commercial vehicle — we help you drive away with the best financing terms from leading auto loan lenders.
Individuals & BusinessesFinancing for industrial machinery, equipment, or commercial property purchase — structured for manufacturers and industrial businesses.
Industrial & ManufacturingLarge-scale funding for infrastructure, real estate, or business projects — we structure the right financing solution for your vision.
Large ProjectsMost agents disappear after handing in your file. At Sargam, we walk with you — from the first conversation to final disbursement.
We assess your profile and match you with the bank or NBFC most likely to approve — saving you from unnecessary rejections.
We tell you exactly what to submit — and what not to. No over-disclosure, no surprises during verification.
We stay with you through processing, approvals, and final disbursement — keeping you informed at every step.
Our relationships with lenders mean we can often negotiate better rates and terms than you'd get walking in alone.
We work with top banks & NBFCs across India
Simple. Transparent. Guided. Four steps from your first call to money in your account.
Fill the form or call us. Tell us your loan requirement, income, and profile. No commitment yet — just a conversation.
We analyse your profile and recommend the best lender options — with expected rates and terms upfront.
We guide you on exactly what documents to submit. We prepare the file and submit on your behalf — correctly, the first time.
We coordinate approvals and follow-up until the funds land in your account. Our job ends only when yours begins.
Know your monthly payment, total interest cost, and how much you save with prepayments — before you apply.
Drag the slider to simulate a one-time lump-sum prepayment and see how much interest & time you save.
Interest is calculated on the original principal throughout the tenure — even as you repay. Common in personal & consumer loans. A 10% flat rate is effectively ~18–19% per year.
Interest charged only on the outstanding balance — reduces with each EMI. Used in home, business & LAP loans. This calculator uses reducing rate. Always ask for reducing rate.
Rate changes with RBI Repo Rate movements. Your EMI or tenure adjusts when RBI hikes/cuts. Home loans are usually floating. Banks add a spread on top of repo rate (e.g. Repo 5.25% + Spread 2% = 7.25%).
At Sargam Loans & Investments, we believe the loan process should feel less like a gamble and more like a guided journey. We're a team of experienced DSA professionals who've helped hundreds of individuals and businesses access the credit they deserve.
We aren't just form-fillers. We understand the fine print. We know which lenders are strict and which are flexible. We know what questions will be asked — and we prepare you for them. Our job is to make sure you walk into the process with confidence and clarity.
Based in Paschim Vihar, New Delhi — we serve clients pan-India. Call us, WhatsApp us, or walk in.
4th Floor, 81/9, Paschim Vihar Extension, Paschim Vihar, New Delhi, Delhi – 110063
Common questions we hear from our clients — answered simply and clearly.
Eligibility depends on your income, credit score (ideally 700+), employment stability, age, and existing obligations. Both salaried and self-employed individuals are eligible. We assess your profile first and tell you honestly where you stand — before filing anything.
Documents vary by loan type and lender. Generally: KYC documents (Aadhaar, PAN), income proof (salary slips, ITR, bank statements), and property documents for home loans. We guide you on exactly what to submit — and importantly, what NOT to submit to avoid complications.
Personal loans can be approved in 24–72 hours. Home loans typically take 7–15 working days for sanction. Business loans vary by lender and profile. We keep the process moving and follow up on your behalf, so there are no unnecessary delays.
No. Our service is free for borrowers. We are compensated by the lending institution after disbursement. In fact, our relationships with lenders often help you get better rates than you'd negotiate on your own.
Yes. Balance Transfer (BT) is one of our key services. If you have an existing home or personal loan with high interest, we can transfer it to a lender offering a lower rate — reducing your EMI significantly. We calculate the benefit for you before proceeding.
A low CIBIL score makes approval harder, but not impossible. Certain NBFCs consider other factors like income, assets, and business cash flows. We'll assess your profile and advise you honestly on realistic options — or guide you on improving your score before applying.
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You can also reach us directly at +91 88008 77145