Frequently Asked Questions

No. SHF is a loan advisory and facilitation firm. The actual loan is sanctioned and disbursed by the bank or NBFC you choose — we structure the application, compare offers, negotiate on your behalf and handle the paperwork end-to-end.

Our initial consultation, eligibility assessment and bank-comparison quotation are free of charge. If a service-specific fee applies in your case, we'll disclose it in writing before you engage us — never a surprise at the end.

It depends on product and file readiness. A personal loan can move in 48–72 hours. A home loan typically sanctions in 7–14 working days from complete documentation, with disbursement shortly after. Complex files (self-employed, commercial property, disputed title) take longer — we'll give you a realistic ETA upfront.

Yes — we serve customers across Gujarat and beyond. Our digital workflow means documents move online, calls happen on video or phone, and we travel for property visits when the file needs it.

Often, yes. A low score doesn't automatically mean rejection — it means a narrower pool of lenders and different terms. We review your full CIBIL report, flag reportable errors, suggest quick clean-ups, and shortlist lenders who weigh the broader picture (income stability, property value, co-borrower, etc.).

Yes. Spouses, parents, adult children and siblings can be added as co-applicants or co-borrowers. This usually increases your eligibility and can unlock tax benefits for both applicants.

A large portion of our customer base is proprietors, partnerships, LLPs and private limited companies. We know how to structure GST returns, bank statements and audited financials so the lender sees your true earning capacity rather than the ITR figure alone.

It varies by profile and product. Salaried applicants need PAN, Aadhaar, recent salary slips, Form 16 and bank statements. Self-employed add ITRs, audited financials and GST/Udyam registrations. Property loans also require title documents and an approved plan. Check the Services page for a profile-wise checklist.

Yes — our digital workflow supports upload from mobile or desktop, and your file runs through a 12-stage tracker so you can see exactly which step you're on. Walk-ins and physical submissions are equally welcome.

Your rate depends on your credit score, income profile, loan amount, tenure, product type and the specific lender's current pricing. Because we compare offers across a panel of lenders, you see the real options for your profile rather than a single bank's pitch — and we help you lock in the most economical combination.

Typical bank-side charges include processing fee, legal opinion, technical valuation, CERSAI registration, stamp duty on the MOU and applicable GST. Every such charge is disclosed upfront in your quotation — no concealed items, no last-minute additions.

For floating-rate home loans to individual borrowers, RBI guidelines prohibit prepayment penalties. For fixed-rate loans, non-individual borrowers, or business loans, bank-specific policy applies — we'll flag any penalty clause during the quotation stage so you aren't caught off-guard later.

Home loans support the longest tenures — commonly up to 30 years subject to age and retirement horizon. Loans Against Property run shorter, business and personal loans shorter still. Your advisor will walk you through the optimal tenure given EMI comfort, total interest outgo and tax planning.

Not always. We run a full cost-benefit analysis — factoring in foreclosure charges on the existing loan, processing fees on the new loan, remaining tenure and the actual rate delta — and only recommend a switch when the math genuinely favours you. Sometimes a rate-reset with your current bank is the smarter move.

In most cases, yes — subject to the new lender's policy and your eligibility. A top-up is often cheaper than a fresh personal or business loan since it's secured by your existing property.

Yes. We apply encrypted document transmission, controlled access, activity logging, and share data with partner lenders only with your express consent. Full details are in our Privacy Policy.

Only with lenders you authorise us to approach, credit bureaus (for eligibility checks), and legally compelled recipients such as regulators. We do not sell or rent your information for marketing.