Every Loan You Need.
One Trusted Place.
Home Loan, Personal Loan, Business Loan, Vehicle Loan, Gold Loan, Education Loan, Mudra Loan, Tractor Loan & more — all at M/s Vardan Sewa Sansar, Rishikesh. 100% transparency, zero hidden charges.
10+
Bank Partners
12+
Loan Products
8.5%
Lowest Rate p.a.
500+
Happy Clients
Free
Consultation
Every Loan You Need,
Handled by Experts
Click on any loan card below to view complete details — eligibility, interest rates, documents and more. Then apply for free.
Home Loan
Own your dream home at India's most competitive rates. New flat, resale, plot + construction — we compare 10+ banks to find the best deal for you.
Personal Loan
Instant cash for medical emergencies, travel, weddings or any personal need. No asset pledging — fast disbursal directly to your account.
Business Loan
Working capital, machinery, expansion or trade finance — we structure the best loan from leading banks and NBFCs for your business.
Vehicle Loan
Finance any car, SUV or commercial vehicle — new or pre-owned — with the best EMI and minimum down payment across all major banks.
Education Loan
Fund higher education in India or abroad. Covers tuition, hostel, books and travel. Moratorium period available — repay after course completion.
Gold Loan
Get instant cash by pledging gold ornaments or coins. Quick valuation, safe vault storage and same-day credit to your account.
Loan Against Property
Unlock your property value without selling it. Use funds for business expansion, medical, education or any major financial requirement.
MSME / Mudra Loan
Government-backed loans for small businesses. PM Mudra Yojana, CGTMSE and Stand-Up India schemes — all available through us.
Tractor Loan
Finance new or used tractor or farm equipment with flexible, agriculture-focused EMI plans designed for farmers across Uttarakhand & UP.
Two-Wheeler Loan
Ride your dream bike or scooter today with minimum down payment, zero processing fees and quick approval. EVs also covered.
OD / CC Limit
Overdraft and Cash Credit for businesses needing flexible working capital. Pay interest only on the amount utilised. Draw anytime, repay anytime.
Government Yojana Loan
PMAY, PMEGP, Kisan Credit Card, Stand-Up India, NABARD — we help eligible clients apply for every government scheme and benefit.
All Loans at a Glance
Compare interest rates, amounts and tenure. Rates are indicative — final rate depends on profile and bank.
| Loan Type | Interest Rate | Loan Amount | Max Tenure | Collateral | Best For |
|---|---|---|---|---|---|
| Home Loan | 8.5% – 9.5% | ₹5 Lakh – ₹5 Crore | 30 Years | Property | Buying / building a home |
| Personal Loan | 10.5% – 18% | ₹50K – ₹25 Lakh | 5 Years | None | Medical, travel, wedding |
| Business Loan | 11% – 16% | ₹1 Lakh – ₹5 Crore | 7 Years | Optional | Working capital, expansion |
| Vehicle Loan | 8.75% – 12% | Up to ₹2 Crore | 7 Years | Vehicle | New / used car purchase |
| Education Loan | 8.15% – 11% | ₹4 Lakh – ₹1.5 Crore | 15 Years | Optional | India / Abroad studies |
| Gold Loan | 9% – 13% | ₹10K – ₹50 Lakh | 3 Years | Gold | Instant cash need |
| Loan Against Property | 9.5% – 13% | ₹5 Lakh – ₹10 Crore | 20 Years | Property | Large business / personal |
| MSME / Mudra Loan | 7.5% – 11% | ₹50K – ₹50 Lakh | 5 Years | None | Small businesses |
| Tractor Loan | 7% – 10% | ₹1 Lakh – ₹25 Lakh | 7 Years | Tractor | Farmers / Agriculture |
| Two-Wheeler Loan | 9.7% – 14% | ₹20K – ₹3 Lakh | 4 Years | Vehicle | Bikes, scooters, EV |
| OD / CC Limit | 10% – 14% | ₹1 Lakh – ₹5 Crore | 1 Yr (Renewable) | Prop./Stock | Business working capital |
| Govt. Yojana Loan | 4% – 8% | As per scheme | Varies | None | Farmers, women, SC/ST |
Who Can Apply?
General Eligibility Criteria
Age: 21 to 65 Years
Applicant must be between 21 and 65 years at loan maturity. Some banks allow up to 70 years for home loans.
Proof of Income
Salaried: minimum ₹15,000/month. Self-employed: positive income in ITR for last 2 years.
CIBIL Score 650 or Above
Most banks require 650–700 CIBIL score. Low scores? We offer CIBIL repair service before applying.
Indian Resident / NRI
Indian citizens, resident Indians and NRIs all eligible. OCI card holders can apply for select loan types.
Stable Employment / Business
Salaried: minimum 1 year employment. Self-employed: 2 years of business vintage required.
Required Documents
We know exactly what each bank needs — only essential documents, no unnecessary paperwork. Fast approval guaranteed.
Identity & Address Proof
- Aadhaar Card (mandatory)
- PAN Card
- Voter ID / Passport / Driving Licence
- Latest utility bill (address proof)
Income & Financial
- Last 3 months salary slips (salaried)
- Last 2 years ITR (self-employed)
- Bank statements — 6 months
- Form 16 / appointment letter
Loan-Specific Documents
- Property documents (Home Loan / LAP)
- Vehicle quotation / RC (Vehicle Loan)
- Admission letter (Education Loan)
- Business proof / GST cert. (Business)
Get Your Loan in 5 Simple Steps
From your first call to final disbursement — our team handles everything so you don't have to run bank to bank.
Free Enquiry
Call us or fill the enquiry form. Tell us your loan type and amount.
CIBIL & Profile Check
We check your credit score and income profile for eligibility.
Bank Shortlisting
Best 3–5 banks selected for maximum approval chances.
Documents & Application
We collect documents and submit application to the chosen bank.
Disbursal & Support
Loan approved, amount credited. Post-loan support always available.
Start your loan journey today — takes less than 2 minutes.
Free consultation · Zero hidden charges · Expert advisor from day one
Why Choose M/s Vardan Sewa Sansar?
10+ Bank Tie-Ups
SBI, HDFC, ICICI, Axis, PNB, Kotak and more — real lender competition works in your favour for the best rates.
Lowest Possible Rate
We compare multiple lenders and negotiate on your behalf to secure the most competitive interest rate available.
Minimal Documentation
We know exactly what each bank requires — only essential documents, no repeated visits or unnecessary paperwork.
Zero Hidden Charges
Every fee and charge is disclosed upfront. What we say is what you pay — no surprises at any stage.
CIBIL Support Included
Low score? We help fix it first. Our CIBIL repair team resolves disputes to improve your approval chances before applying.
Dedicated Loan Advisor
One dedicated advisor from first call to final disbursal — no call centres, direct personal service every time.
Rishikesh Based Experts
Based in Rishikesh, Uttarakhand — deep understanding of local and regional financial needs.
Govt. Scheme Expertise
PMAY, Mudra, PMEGP, KCC — we help eligible clients maximise all government subsidies and scheme benefits.
Loan Questions — Answered
Most banks require a minimum CIBIL score of 650–700 for personal and home loans. Gold loans and government-backed MSME loans have lower or no score requirements. If your score is below 650, we first help improve it through our CIBIL repair service before submitting your application.
Personal loans can be approved in 2–5 working days. Home loans typically take 7–15 working days. Business loans take 5–10 days. Gold loans and OD/CC can sometimes be approved the same day. Our team actively coordinates with banks to ensure the fastest possible turnaround.
Yes, depending on the loan type. MSME and Mudra loans are specifically designed for small business owners with modest income. Gold loans have no income requirement. For personal and home loans, most banks look for ₹15,000–₹25,000 minimum monthly income.
Initial consultation is completely free with no obligation. We work as channel partners for banks and earn referral commissions — so in most cases you pay no upfront charge. Any applicable charges are clearly communicated before you proceed.
Overdraft (OD) allows you to withdraw beyond your account balance up to a sanctioned limit — usually secured against FD or property. Cash Credit (CC) is a revolving credit line specifically for businesses, secured against stock or book debts. In both, interest is charged only on the amount actually utilised.
Yes — balance transfer is available. If your current interest rate is higher than prevailing market rates, we can help transfer your loan to a better lender. This can result in significant savings over a long tenure, especially for home and personal loans.
Get Your Loan
Approved Today
Contact us today for a free consultation with zero obligation. M/s Vardan Sewa Sansar, Rishikesh — serving clients across Uttarakhand and pan India. Fast response guaranteed.
Company
M/s Vardan Sewa Sansar
Registered Financial Services
Office Address
First Floor, Railway Road,
Opp. Bhagwan Bhawan, Rishikesh
Phone / WhatsApp
Email Address
Apply for a Loan — Free
Call or WhatsApp us. Our dedicated loan advisor responds within a few hours and guides you to the right product for your needs.
Your information is private and will never be shared with third parties.