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Complete Loan Solutions

Get the best loan options tailored to your needs with competitive interest rates and flexible repayment terms. We simplify the loan application process for you.

Apply Now

Our Loan Services

We offer a wide range of loan products to meet your personal and business financial requirements.

Home Loans

Realize your dream of owning a home with our competitive home loan options and flexible repayment plans.

  • Low interest rates
  • Long repayment tenure
  • Balance transfer facility
  • Top-up loans available

Business Loans

Fuel your business growth with customized loan solutions designed for entrepreneurs and enterprises.

  • Working capital loans
  • Equipment financing
  • MSME loans
  • Startup funding

Personal Loans

Meet your personal financial needs with quick approval and minimal documentation requirements.

  • Fast processing
  • No collateral needed
  • Flexible repayment
  • Competitive rates

Vehicle Loans

Finance your dream car or two-wheeler with attractive interest rates and convenient repayment options.

  • New & used vehicles
  • Low down payment
  • Quick approval
  • Insurance bundled

Education Loans

Invest in your future with education loans covering tuition fees and living expenses in India and abroad.

  • Domestic & international
  • Moratorium period
  • Tax benefits
  • Co-applicant options

Loan Against Property

Leverage your property's value to get high-value loans for business or personal needs.

  • High loan amounts
  • Long repayment tenure
  • Continue property use
  • Multipurpose usage

Why Choose Riva Consultancy for Loans

Best Interest Rates

We negotiate with multiple lenders to secure the most competitive interest rates for you.

Easy Documentation

Minimal paperwork and streamlined processes for quick loan approvals.

Flexible Repayment

Customized repayment options tailored to your financial capacity.

Expert Guidance

Professional advice to choose the right loan product for your needs.

Loan EMI Calculator

Calculate your monthly EMI and plan your finances better

₹
Min: ₹10,000 Max: ₹5,00,00,000
%
Current rates: 8.5% - 15% based on profile
Years
Min: 1 Year Max: 30 Years
Your Loan Summary
Monthly EMI: ₹10,268
Total Interest: ₹1,16,080
Total Payment: ₹6,16,080
Loan Amount: ₹5,00,000
Interest Rate: 8.5%
Loan Tenure: 5 Years
*This is an estimate. Actual terms may vary based on lender's assessment.

Simple Loan Application Process

1

Application

Fill our simple application form with basic details.

2

Documentation

Submit required documents (minimal paperwork).

3

Verification

Our team verifies details with the lender.

4

Disbursement

Loan amount credited to your account.

Loan Eligibility Criteria

While specific requirements vary by loan type, here are general eligibility factors we consider:

Minimum age: 21 years, Maximum: 50-55 years
Stable income source (salaried or self-employed)
Minimum income varies by loan type and amount
Good credit score (varies by lender)
Indian citizenship or valid residency
Documentation as per loan requirements

Note: Specific requirements may vary based on loan type, amount, and lender policies. Contact us for detailed eligibility criteria for your specific loan requirement.

Need Funds for Your Dreams?

Our loan experts will help you find the perfect financing solution with the best terms and rates.

Apply Now

Loan FAQs

The documents vary based on loan type but generally include:
- Identity proof (PAN, Aadhaar, Passport)
- Address proof (Utility bills, Rental agreement)
- Income proof (Salary slips, Bank statements, IT returns)
- Property documents (for secured loans)
- Photographs
Our team will provide you with a customized checklist based on your specific loan requirement.

The processing time depends on the loan type and completeness of your documentation. Typically:
- Personal loans: 2-5 working days
- Home loans: 7-15 working days
- Business loans: 5-10 working days
We expedite the process by ensuring your application is complete and properly documented from the beginning.

Several factors influence your loan interest rate:
- Credit score/history
- Income level and stability
- Existing debt obligations
- Loan amount and tenure
- Type of loan (secured vs unsecured)
- Market conditions and lender policies
We help you present your financial profile in the best possible way to secure favorable rates.

Most loans allow prepayment, but terms vary:
- Personal loans: Usually allow prepayment after 6-12 months, may have 2-5% charges
- Home loans: Can be prepaid, charges vary by lender (some have zero charges for floating rate loans)
- Business loans: Prepayment terms depend on the agreement
We'll explain all prepayment options and charges before you finalize your loan so there are no surprises later.

Expert financial help for tax, loans & more. We simplify your money matters!

Office 513, Shivalay Complex, Rajkot

rivaconsultancy001@gmail.com

(+91) 635 635 00 11

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