Frequently Asked Questions
Clear answers about how Sharda Finance helps you arrange the right loan—fast, transparent, and guided end-to-end.
What is Sharda Finance’s role as an intermediary?
We act as a facilitator between you and leading banks/NBFCs. Our team evaluates your profile and requirement, shortlists suitable lenders, and guides you from eligibility check to documentation and disbursal—saving you time with a smooth, transparent process.
How do you choose the right bank or NBFC for me?
We compare multiple partners based on loan type, interest rate, tenure, eligibility norms, documentation comfort, turnaround time, and your credit/income profile—then recommend the best-fit options for you.
Which loan types can I arrange through Sharda Finance?
- Personal Loans – Unsecured, for medical, education, travel, home upgrades, etc.
- Business Loans – Working capital, term loans, equipment, inventory, expansion.
- Project Finance – Structured funding with staged disbursals and tailored repayment.
- Property/Mortgage Loans – Loan against residential/commercial property.
Is it more expensive to use an intermediary?
No. Our objective is to help you secure a competitive offer quickly. In many cases, our lender relationships and process expertise reduce effort and overall cost for you.
How do I apply for a loan through Sharda Finance?
Start by sharing your basic details and requirement via our form or WhatsApp/Call. We run an eligibility check, shortlist lenders, help with documentation, and coordinate till sanction/disbursal.
What documents are generally required?
Requirements vary by lender and product, but typically include:
- KYC (PAN, Aadhaar, address proof)
- Income proof (salary slips/ITR, GST/financials for business)
- Bank statements (last 6–12 months)
- For mortgage loans: property papers, valuation, and legal documents
We’ll share a precise checklist for your case.
How long does approval and disbursal take?
Timelines depend on the loan type, profile, and documentation. Personal/Business loans can be quick once documents are in order; mortgage/project cases take longer due to valuation and legal checks. We keep you informed at every step.
How are interest rates and terms decided?
Lenders price loans based on product type, your income/cash flows, bureau score, obligations, loan amount, tenure, and risk policy. We help you compare options so you can choose confidently.
Is my personal and financial information safe?
Yes. We follow strict confidentiality practices and share your data only with shortlisted lenders for processing. We use industry-standard security measures to protect your information.
Do you charge customers a fee?
Our services are typically free for customers. In most cases, we receive compensation from the lending partner after successful sanction—this does not worsen your loan terms.
How can I contact Sharda Finance?
Call/WhatsApp: 8979116870, 8923735240
Email: in.shardafinance@gmail.com
Office: 39 Maharani Bagh, General Mahadev Singh Road, Dehradun, Uttarakhand 248001