Founded in 2004 by Mr. Sandeep Jain, a qualified ex-banker, to help customers choose the best product available in the financial world — with an attractive pricing module.
Est. 2004
Ex-banker founder
In-house credit team
Company overview
Disciplined work. Timely follow-up. The lowest possible rate.
Over two decades of serving our customers, we have understood that the key to customer satisfaction lies in a disciplined workforce, timely follow-up and closing the deal at the lowest possible rate of interest.
Our teams understand and believe firmly that money saved is money earned. Every file is prepared as a banker would want to see it — which is why it moves faster.
SJMr. Sandeep Jain Founder · Ex-banker
Our services
What working with us looks like
01
Multiple-bank flexibility
One application reaches the banks and NBFCs best suited to your profile — no running from branch to branch.
02
In-house credit team
Fully trained credit specialists pre-check every file for fast decisioning and disbursal.
03
Every loan under one roof
Home loans, LAP (residential, commercial, industrial), business, car and more — fewer hassles, one relationship.
04
After-sales support
Top-ups, transfers, statements and closure NOCs — we stay after the money is disbursed.
05
Ex-banker leadership
Founded in 2004 by Mr. Sandeep Jain, a qualified ex-banker who knows how credit committees think.
06
A learning organisation
Skilled people, trained continuously — because people are our biggest asset, and yours to rely on.
Training orientation
A learning organisation
We strongly believe that people are our biggest asset. We not only hire skilled people but constantly conduct training programmes to help them acquire the skills and knowledge that bring out their best.
Credit appraisal the way banks do it
Product and policy updates across lenders
Customer service and follow-up discipline
2004Year founded
13Loan types arranged
22+Years in Delhi
1Relationship for every loan you need
How it works
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.
How we structure loans
Typical cases from our desk
Illustrative examples of the problems we solve every week. Names and figures are withheld to protect client privacy.
Example case · Working capital
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Garment traderKarol Bagh, Delhi
Needed a larger limit for festive stock. We combined a CC limit on turnover with LAP on the shop to cut his blended rate.
CC + LAPLower blended rate
Example case · Home loan
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Salaried coupleDwarka, Delhi
Combined incomes and registered the flat with the wife as first owner — higher eligibility and 2% lower stamp duty in Delhi.
Joint home loanStamp duty saved
Example case · Machinery
A
Auto-parts manufacturerOkhla, Delhi
Tested DSCR before applying, chose a longer tenure with a short moratorium so the new CNC paid for itself.
Term loanDSCR above 1.5
Example case · Consolidation
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Chartered accountantRajouri Garden, Delhi
Three personal loans and a card balance merged into one EMI at a lower rate.
EMI SaverOne EMI
Example case · Unsecured OD
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DistributorNaya Bazar, Delhi
Fluctuating mid-month needs. An unsecured OD replaced a lump-sum loan; interest now only on usage.
ODPay for use
Example case · Education
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Parent of a studentPitampura, Delhi
Admission abroad. Arranged an education loan with the father as co-applicant and planned interest payments during the course.
Education loanSec 80E
Example case · Working capital
G
Garment traderKarol Bagh, Delhi
Needed a larger limit for festive stock. We combined a CC limit on turnover with LAP on the shop to cut his blended rate.
CC + LAPLower blended rate
Example case · Home loan
S
Salaried coupleDwarka, Delhi
Combined incomes and registered the flat with the wife as first owner — higher eligibility and 2% lower stamp duty in Delhi.
Joint home loanStamp duty saved
Example case · Machinery
A
Auto-parts manufacturerOkhla, Delhi
Tested DSCR before applying, chose a longer tenure with a short moratorium so the new CNC paid for itself.
Term loanDSCR above 1.5
Example case · Consolidation
C
Chartered accountantRajouri Garden, Delhi
Three personal loans and a card balance merged into one EMI at a lower rate.
EMI SaverOne EMI
Example case · Unsecured OD
D
DistributorNaya Bazar, Delhi
Fluctuating mid-month needs. An unsecured OD replaced a lump-sum loan; interest now only on usage.
ODPay for use
Example case · Education
P
Parent of a studentPitampura, Delhi
Admission abroad. Arranged an education loan with the father as co-applicant and planned interest payments during the course.
Education loanSec 80E
Talk to an ex-banker
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.
Meera from Bhavya’s credit deskOnline now · usually replies in minutes
Namaste! 👋 Comparing loan offers? Tell me what you need — I’ll check which of our lenders can give you the lowest rate, and WhatsApp you today.
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Legal
Privacy Policy
Last updated: November 2026 · Bhavya Agencies Pvt. Ltd.
What we collect
When you fill a form, use a calculator's WhatsApp button or contact us, we receive the details you choose to share — name, mobile number, email, city, loan type, amounts and income figures you enter. Calculators run in your browser; numbers you type are not sent anywhere unless you press a WhatsApp or submit button.
Why we use it
Only to understand your loan requirement, contact you, assess eligibility and present your application to banks and NBFCs you authorise. We do not sell your personal data.
Sharing with lenders
Your information and documents are shared with lenders only for processing your application, with your consent. Each lender handles your data under its own privacy policy and applicable law, including the Digital Personal Data Protection Act, 2023.
Storage & security
Documents you share are kept only as long as needed for your application and legal record-keeping, with reasonable safeguards against unauthorised access.
Your rights
You can ask us to access, correct or delete your personal data, or withdraw consent, by writing to sandeep@bhavyaa.com. Withdrawal does not affect processing already done.
Cookies
This website uses your browser's session storage only to remember that you have seen the intro animation and pop-up. It does not use advertising cookies.
Legal
Terms & Conditions
Last updated: November 2026 · Bhavya Agencies Pvt. Ltd.
Our role
Bhavya Agencies Pvt. Ltd. facilitates loans from banks and NBFCs. We are not a lender. Sanction, rate of interest, fees, amount and terms are decided solely by the lender after its own appraisal.
Information on this website
Descriptions, eligibility criteria and calculator results are indicative and for general guidance. They are not an offer or commitment of credit.
Your responsibilities
You agree to provide true, complete and current information and genuine documents. Misrepresentation may lead to rejection by lenders and legal consequences.
No guarantee
Submitting an enquiry does not guarantee approval. Lenders may decline or modify an application at their discretion.
Communication
By submitting your number you agree to be contacted by Bhavya Agencies by call, SMS, email or WhatsApp regarding your enquiry, even if you are registered on DND.
Governing law
These terms are governed by the laws of India; courts at New Delhi have exclusive jurisdiction.
Legal
Disclaimer
Last updated: November 2026 · Bhavya Agencies Pvt. Ltd.
Calculators
All calculators use standard formulas — EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), FOIR, LTV, DSCR, drawing power — with default rates you can edit. Results are illustrative estimates, not quotes.
Regulatory figures
References to RBI loan-to-value limits, prepayment rules, Delhi stamp duty and Income-tax deductions reflect our understanding at the time of writing and can change. Please verify with the lender, sub-registrar or your tax adviser.
Rates
Interest rates and charges vary by lender, product, profile and time. Any figure discussed is subject to the lender's sanction letter and Key Fact Statement.
Third-party names
Any bank or NBFC names mentioned are for information; their trademarks belong to them.
Legal
Risk Disclosure
Last updated: November 2026 · Bhavya Agencies Pvt. Ltd.
Borrowing is a commitment
A loan must be repaid with interest on schedule. Missed or late EMIs attract penal charges, harm your credit score and, for secured loans, can lead the lender to enforce its security — including your property.
Floating rates
On floating-rate loans the rate can rise with the benchmark, increasing your EMI or tenure.
Secured loans
When you mortgage property, the lender holds a charge on it until the loan is fully repaid and the security is released.
Borrow what you can repay
Keep total EMIs within a comfortable share of income. Our eligibility tools show the upper limit lenders may allow, not the amount you should necessarily take.
Read the Key Fact Statement
Before signing, read the lender's sanction letter and Key Fact Statement, which state the APR, all fees and recovery terms.
Legal
Grievance Redressal
Last updated: November 2026 · Bhavya Agencies Pvt. Ltd.
Step 1 — Write to us
Email sandeep@bhavyaa.com or call 011-45123555 with your name, mobile and the issue. We acknowledge within 2 working days and aim to resolve within 15 working days.
Step 2 — Escalation
If unresolved, write to our Principal Officer, Mr. Sandeep Jain, at 4E/7, 3rd Floor, Jhandewalan Extension, New Delhi – 110055.
Lender-related complaints
For issues about sanction, rate, charges or recovery, you may also use the grievance channel of your lender as stated in its sanction letter.
RBI Ombudsman
If your lender does not resolve a complaint within 30 days, or you are not satisfied, you may approach the RBI under the Reserve Bank – Integrated Ombudsman Scheme at cms.rbi.org.in.
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