Loan Services — Shanmahika | Home, Business, Personal, Gold & More
Loan Services

Fourteen loan types. One desk to get it done.

Compare rates, check eligibility, and apply — home, business, personal, gold and more, matched to a specialist who works your case end to end.

14+LOAN TYPES
8.10%RATES FROM
48 hrsPRE-APPROVAL

Pick a loan, see the full picture, apply in one enquiry.

Tap any card to open full details — interest rate, tenure, eligibility, and required documents, side by side.

Every loan type, rate and tenure, at a glance.

Indicative starting rates across our lending partners — your actual offer depends on profile and lender policy.

Loan TypeInterest Rate (p.a.)Max TenureMax AmountProcessing Fee
Home Loan8.10% onwards30 years₹5 CroreUp to 0.50%
Personal Loan10.75% onwards5 years₹40 LakhUp to 2.5%
Business Loan11.50% onwards7 years₹2 CroreUp to 2%
Gold Loan9.00% onwards3 years₹50 LakhUp to 1%
Loan Against Property9.25% onwards15 years₹10 CroreUp to 1%
New Car Loan8.75% onwards7 years₹1 CroreFlat ₹5,000
Education Loan9.50% onwards15 years₹1.5 CroreUp to 1%
MSME / Udyam Funding11.00% onwards7 years₹5 CroreUp to 1.5%

How our loan desk performs, by the data.

Approval speed and enquiry mix across the loan categories we handle most.

Average approval turnaround (days)

2.1
Personal
4.6
Home
3.2
Business
1.4
Gold
5.4
LAP

Loan enquiries by type

Home Loan34%
Personal Loan22%
Business Loan18%
Gold Loan16%
Others10%

Estimate your EMI before you apply.

Adjust the loan amount, tenure and rate to get an instant, indicative monthly repayment figure.

Loan Amount₹25,00,000
Tenure (Years)15 yrs
Interest Rate (p.a.)8.10%
Monthly EMI₹24,050
Total Interest₹18,29,000
Total Payable₹43,29,000

This number moves as you move the sliders — no page reload, no waiting.

It's an indicative figure to help you plan. Your final EMI depends on the lender, your credit profile, and the exact terms offered after verification.

Reducing-balance interest, calculated monthly
Works for any of our 14+ loan types
No sign-up required to estimate

From enquiry to disbursed — watch the flow.

The same four steps every loan enquiry follows, live-tracked from the moment you submit.

  1. 01 / 04

    Tell us what you need

    Pick a loan type and share a few basic details through one short enquiry form.

    In progress
  2. 02 / 04

    Get matched with a lender

    We route your request to the lending partner offering the best fit for your profile.

    Pending
  3. 03 / 04

    Quick document check

    We confirm eligibility and let you know exactly what's required, nothing more.

    Pending
  4. 04 / 04

    Approved & disbursed

    Funds disbursed straight to your account — you're kept updated throughout.

    Pending

Frequently asked questions about our loans.

No. Sending an enquiry and getting matched with a lending specialist is free — fees, if any, are only discussed once you decide to proceed.

Your rate depends on the loan type, your credit score, income profile, and the specific lender's policy. The rates shown here are indicative starting rates.

Most of our lending partners allow part-prepayment or foreclosure, though terms and charges vary by lender and loan type — we'll confirm this before you sign.

It varies by loan type — gold loans can be same-day, personal loans 1–3 days, while home loans and LAP typically take 4–6 days depending on documentation.

Yes — if your score needs work, we can run a credit report analysis and share a specific improvement plan before you apply for a larger loan.

Ready to find your loan?

One enquiry connects you to the right lending specialist — for any of our 14+ loan types.

SHANMAHIKA MACHINERY PRIVATE LIMITED

Financial & compliance services — loans, tax filing, insurance, and credit score solutions under one roof.

Mahaveer Prasad Sharma  |  +91 80948 66195  |  sharmamahaveer991@gmail.com

1, Purohit ji katle ke pass, Phagi, Jaipur, Rajasthan, 303005, India

shanmahi.com