Unsecured loans are given without any security or guarantor — on the basis of your net income, company turnover or existing loan repayment track.
Personal
Business Loan
Overdraft
How unsecured loans work
No security · No guarantor
Unsecured loans are given without any security or guarantor — on the basis of your net income, company turnover or existing loan repayment track.
Personal loans, Business Installment Loans and unsecured overdraft limits move fast because no property valuation or legal check is needed. The trade-off is a higher rate and lower amount than secured loans — so we always show you both routes.
EMI capacity = income × FOIR − existing EMIs · Max loan = EMI × [(1+r)ⁿ − 1] ÷ [r(1+r)ⁿ]
You are
Indicative loan you can get—
EMI capacity / month—
FOIR applied—
Income left after EMIs—
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
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.
FAQ
Unsecured Loans: common questions
Lenders cap your total EMIs (existing + new) at a share of your net monthly income, commonly 50–60% (FOIR). Our eligibility calculator turns your income and existing EMIs into an indicative loan amount.
No. Personal loans are unsecured and need no guarantor.
No. Using our calculator does not touch your credit report. A lender's formal check happens only when you apply.
Business Installment Loans range from ₹5 lakh to ₹35 lakh.
No. BIL is unsecured — no property mortgage is required.
A minimum turnover of ₹40 lakh a year for each of the last 2 years.
A business loan gives a lump sum repaid in EMIs from day one. An overdraft gives a limit; you draw only when needed and pay interest only on what's drawn.
No. An unsecured OD is sanctioned on turnover, banking and repayment track.
Daily, on the outstanding balance, and debited monthly.
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
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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.
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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.
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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.
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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.
Unsecured Loans