One ex-banker. Every lender.
Loans to
Home, property, business, working capital, car and education loans — compared across banks and NBFCs by the team ex-banker Sandeep Jain has led since 2004. Money saved is money earned.
- Since 2004
- Ex-banker led
- Multi-bank
- After-sales support
for over two decades
A banker's judgement, working for you
Bhavya Agencies was founded in 2004 by Mr. Sandeep Jain, a qualified ex-banker, with one vision: help every customer choose the best product in the financial world, at the most attractive price.
Over two decades we have learnt that customer satisfaction comes from a disciplined team, timely follow-up and closing the deal at the lowest possible rate of interest.
"Money saved is money earned."
- Multiple-bank transaction flexibility
- Fully trained internal credit team for fast decisioning and disbursal
- Home loans, LAP, business, car and more under one roof
- After-sales support, long after disbursal
Every kind of loan, one trusted desk
Choose by what you can offer as security — or let What Suits Me choose for you.
Your property is a vault. Here's how much it can unlock.
Loan against property is what Delhi knows us for. Turn the dial — see the lower of what your property and your income allow.
How much of your property can work for you?
Eligible LAP = lower of (market value × indicative LTV for the property type) and (income-based maximum at 65% FOIR)
Property typeIndicative LTVs used: residential 65%, commercial 55%, industrial 50%. Actual LTV varies by lender, property and location. Final terms per lender appraisal.
Six reasons a loan goes smoother through Bhavya
Multiple-bank flexibility
One application reaches the banks and NBFCs best suited to your profile — no running from branch to branch.
In-house credit team
Fully trained credit specialists pre-check every file for fast decisioning and disbursal.
Every loan under one roof
Home loans, LAP (residential, commercial, industrial), business, car and more — fewer hassles, one relationship.
After-sales support
Top-ups, transfers, statements and closure NOCs — we stay after the money is disbursed.
Ex-banker leadership
Founded in 2004 by Mr. Sandeep Jain, a qualified ex-banker who knows how credit committees think.
A learning organisation
Skilled people, trained continuously — because people are our biggest asset, and yours to rely on.
| Walking into one bank | With Bhavya Agencies | |
|---|---|---|
| Lenders you hear from | One | Many banks & NBFCs, compared |
| Who checks your file first | The lender, at sanction | Our ex-banker credit team, before submission |
| Secured + unsecured options | Only that bank's products | All loan types under one roof |
| Rate negotiation | You alone | We negotiate on your behalf |
| If one lender says no | Start again elsewhere | Next best lender, same file |
| After disbursal | Branch queue | Top-ups, transfers, NOCs — we handle it |
Bank-grade calculators, free and private
The same formulas lenders use — EMI, FOIR, LTV, DSCR. Nothing you type leaves your screen unless you send it to us.
EMI calculator Formula
EMI = P × r × (1+r)ⁿ ÷ [(1+r)ⁿ − 1] · r = annual rate ÷ 12 ÷ 100 · n = months
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Loan eligibility (FOIR) ASDC method+
EMI capacity = income × FOIR − existing EMIs · Max loan = EMI × [(1+r)ⁿ − 1] ÷ [r(1+r)ⁿ]
You areIndicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
EMI Saver — balance transfer & consolidation ASDC tool+
Consolidated EMI = EMI(total outstanding, new rate, new tenure) · Monthly saving = current EMIs − consolidated EMI
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Home Loan Planner — Delhi RBI LTV + stamp duty
Loan = lower of (income-based max) and (property × RBI LTV: 90% ≤ ₹30 L · 80% ₹30–75 L · 75% above) · Delhi stamp duty 6% men / 4% women / 5% joint + 1% registration
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
DSCR check Bankability
DSCR = (PAT + depreciation + interest) ÷ (interest + principal repaid in the year) · lenders look for ≥ 1.25
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
From first question to disbursal, in four steps
Check eligibility
Use a calculator or the 3-step check. No effect on your credit score.
Share documents
Our checklist tells you exactly what's needed — send it on WhatsApp or drop it at our office.
Ex-banker pre-check
Our in-house credit team reviews your file and selects the lenders most likely to approve at the best rate.
Sanction & disbursal
We follow up with the lender until the money is in your account — and stay for after-sales support.
Not sure which loan fits?
Answer four quick questions and we'll match you to the right product.
The Bhavya Loan Guide
Every loan we arrange, who it suits, eligibility and the full document checklist — in one PDF you can keep.
Typical cases from our desk
Illustrative examples of the problems we solve every week. Names and figures are withheld to protect client privacy.
GNeeded a larger limit for festive stock. We combined a CC limit on turnover with LAP on the shop to cut his blended rate.
SCombined incomes and registered the flat with the wife as first owner — higher eligibility and 2% lower stamp duty in Delhi.
ATested DSCR before applying, chose a longer tenure with a short moratorium so the new CNC paid for itself.
CThree personal loans and a card balance merged into one EMI at a lower rate.
DFluctuating mid-month needs. An unsecured OD replaced a lump-sum loan; interest now only on usage.
PAdmission abroad. Arranged an education loan with the father as co-applicant and planned interest payments during the course.
GNeeded a larger limit for festive stock. We combined a CC limit on turnover with LAP on the shop to cut his blended rate.
SCombined incomes and registered the flat with the wife as first owner — higher eligibility and 2% lower stamp duty in Delhi.
ATested DSCR before applying, chose a longer tenure with a short moratorium so the new CNC paid for itself.
CThree personal loans and a card balance merged into one EMI at a lower rate.
DFluctuating mid-month needs. An unsecured OD replaced a lump-sum loan; interest now only on usage.
PAdmission abroad. Arranged an education loan with the father as co-applicant and planned interest payments during the course.
From Jhandewalan to every corner of the capital
Traders, manufacturers, professionals and families across Delhi trust us with their loans. Visit us at Jhandewalan Extension or start on WhatsApp — we come to you for documents when needed.
Areas we serve →Tell us what you need — we'll do the running around
One conversation, many lenders. We pre-check your file, negotiate the rate and stay with you after disbursal.
- WhatsApp+91 98717 48555
- Office011-45123555
- Emailsandeep@bhavyaa.com
Questions borrowers ask us
No. Bhavya Agencies Pvt. Ltd. is a loan facilitation firm founded in 2004 by ex-banker Mr. Sandeep Jain. We work with multiple banks and NBFCs, prepare your file with our in-house credit team and help you choose the best offer. The loan is sanctioned by the lender.
Loan against property (residential, commercial, industrial), home loans, term and machinery loans, cash credit limits, project finance, personal loans, Business Installment Loans, unsecured overdrafts, car, education, office equipment and consumer loans.
4E/7, 3rd Floor, Jhandewalan Extension, near the Post Office, New Delhi – 110055.
Use our calculators: for income-based loans we apply the FOIR method (how much of your income can go to EMIs); for property loans we also apply loan-to-value limits. The result is indicative — the lender confirms after checking documents and credit history.
No. Our calculators and the What Suits Me tool never access your credit report.
It depends on the loan and on whether you are salaried or self-employed. Our Document Checklist builds your exact list and lets you send it to us on WhatsApp.
Rates depend on the lender, loan type, your profile and credit score. We compare lenders to get you the lowest rate available for your profile — as our founder puts it, money saved is money earned.
RBI's directions bar pre-payment charges on floating-rate loans to individuals (non-business) and on floating-rate business loans to individuals and MSEs sanctioned or renewed on or after 1 January 2026. Fixed-rate loans follow the lender's terms.
Often, yes — through a balance transfer or by consolidating several loans into one. Try the EMI Saver to see your monthly saving.
Check eligibility → share documents → our credit team pre-checks and selects lenders → lender sanction → disbursal. We follow up at every step and remain with you after disbursal.
Home loans are generally approved within 7 working days of a complete file; unsecured loans are usually faster. Property loans depend on valuation and legal checks.
Yes. After-sales support is part of our service — top-ups, balance transfers, statements, closure and NOCs.
