Individually empanelled bank loan DSA
Home loan and loan against property consultant in Pune and Ahmedabad
Get the right loan, faster
Pavan Vatyani works with a panel of banks and NBFCs to compare rates for home loans, loan against property, business capital and more, and helps avoid the paperwork mistakes that slow approvals.
The short answer. Pavan Vatyani is an individually empanelled bank loan DSA who compares home loan, loan against property, business and personal loan offers from partner banks and NBFCs. The EMI and eligibility calculators on this page give an estimate; the lender decides the final amount and rate.
Last updated 26 October 2026
What will your EMI be?
Illustrative only. Actual rates and eligibility are decided by the lending bank or NBFC.
Illustrative only. Actual rates, tenure and eligibility are determined by the partner bank/NBFC.
How much could you borrow?
Enter your income and existing EMIs for a quick estimate of loan eligibility.
Illustrative only, assuming lenders cap your total EMIs at roughly 50% of monthly income. Actual loan eligibility varies by lender, loan type, credit score and documentation.
Secured loans
Backed by collateral, usually with lower rates and higher amounts.
Home Loans
Financing to buy or build a residential property, with tenures up to 30 years and interest rates from partner banks.
Loan Against Property (LAP)
Already own a property? Unlock cash against it without selling — useful for business expansion, a child's education, or any large expense.
Working Capital
Secured credit lines that help businesses manage day-to-day expenses like inventory, payroll and supplier payments without cash-flow stress.
Unsecured loans
No collateral. Approval depends on income and credit history.
Personal Loans
No collateral needed — approved based on your income and credit profile. Useful for medical emergencies, weddings, or any personal need.
Education Loans
Funding for higher education in India or abroad, including tuition, living expenses and other approved costs.
How to borrow smart
You never pay Pavan Vatyani directly. The commission is disclosed upfront, and it is paid by the lender once your loan is disbursed. Loan approval and interest rates are decided by the lender.
No hidden charges.
Share what you need
Loan amount, purpose, and timeline — the loan type that fits your situation is worked out from there.
Lenders are compared for you
Instead of applying at one bank and hoping, Pavan Vatyani checks rates and eligibility across partner banks and NBFCs so the options are clear before you apply.
Paperwork is checked
Loan applications get rejected or delayed over small documentation errors. Pavan Vatyani checks each document so it is right the first time.
Common questions
What documents are needed for a home loan?
Usually identity and address proof, PAN, income proof such as salary slips and Form 16 or income tax returns for the self-employed, recent bank statements, and the property papers. Lenders differ, so the exact list is confirmed with the lender.
How does a CIBIL score affect a loan?
Lenders look at a credit report to see repayment history. A stronger history generally helps approval and terms. A free full credit report is available once a year from each credit bureau.
What is the difference between a loan against property and a personal loan?
A loan against property is secured by a property you own, so the property is at risk if repayments stop. A personal loan is unsecured. Rates, amounts and tenures differ by lender, so both are compared before choosing.
Is a fee charged for loan guidance?
No fee is charged to the applicant for comparing options. A lender may pay a DSA a commission when a loan is disbursed, and the loan terms come from the lender. Any processing fee is the lender's and is shown in its sanction letter.
How is an EMI worked out?
The EMI depends on the loan amount, the interest rate and the tenure. The EMI calculator on this page shows how changing any one of them changes the monthly amount.
Official sources
These are the regulators' own sites. Rules change, so check the current position there before acting.
Related guides and tools
- Home loan documents checklist
What lenders usually ask for.
- Loan against property vs personal loan
Secured and unsecured loans compared.
- Improve your loan approval chances
Habits that help before you apply.
Ready to apply?
Share what you need financed, and Pavan Vatyani will match suitable lenders to it.