Talk it through

Tell us what you’re building and what you need. Two short steps, no documents up front, and no obligation on either side — because there is nothing here to commit to yet.

• This is not a loan application

  No lender is empanelled with Ojas Loans, so there is nobody for us to send this to. What you get is a consultant's read of the business: which family of credit fits, what a lender will ask you to produce, and when the honest answer is not yet. We do not quote a turnaround for it.

• Free, and no credit-bureau pull

  The enquiry costs you nothing and nothing touches your bureau record. Paid work is separate and priced first: a flat application service fee shown on a product page before you add it to the basket, and any heavier advisory work quoted and agreed in writing before it begins.

• Ojas is never the lender

  Ojas Loans is a Lending Service Provider: it books no loan and holds no pool account. If you borrow, disbursal and repayment happen directly between you and a regulated lender — your loan money never touches an Ojas account.

Every rate, fee and tenure figure on this site is illustrative — a range we publish to show what a family of credit typically costs, never a figure quoted to us by a lender. Only a lender underwriting your actual file can price it.

Prefer to talk it through first? Talk to an advisor.