Banks and NBFCs sanction and disburse every loan. Our job is to make your file reach the right one, complete.
One person handles your file from the first call to disbursal, with an update at every stage.
Led by 15+ years of hands-on experience in lending, so your file is read the way a lender reads it.
We never ask for OTPs, passwords or money to “process” a loan. If someone does in our name, it isn't us.
Tap a loan to see who it suits. Rates, eligibility and timelines depend on each lender's policy — we tell you the exact fit for your profile before you apply.
One point of contact, and a clear update at every stage. Nothing is promised that the lender hasn't put in writing.
Share the loan you need, your income type and your city. Ten minutes on a call or WhatsApp is enough to begin.
We read your profile against the credit policies of banks and NBFCs and shortlist only the ones likely to say yes.
We collect documents once, check them, and present the file the way a credit manager wants to read it.
The lender sanctions, you sign, funds reach your account. You get updates at every step, and we stay after the loan too.
A healthier credit report usually opens more lenders and better terms. Each lender sets its own cut-off — five everyday habits keep you on the right side of it.
Even one late payment stays on your report. Set an auto-debit a few days before the due date.
Spending close to your full card limit every month signals stress. Keep usage low and pay in full.
Many loan applications in a short time each leave an enquiry. Know where you fit first, then apply.
Wrong entries happen. Review your report and raise a dispute with the bureau if something isn't yours.
After the last EMI, collect the closure letter (NOC) and make sure the account shows "closed" — not "settled".
Four ways to earn with Shubhdhanam — from a QR standee on your counter to a full loan-advisory practice. Loan ke saath bhi, loan ke baad bhi.
Kirana, mobile, medical, jewellery — put our QR standee on your counter and send customers our way. We do the rest.
Earn on every disbursed caseBring Retail shops in your area on board and keep them active. You earn on your own cases and on your team's.
One level below you, never moreFull-time loan advisors, CAs, consultants and DSA agencies who bring complete files. Growth, flat or bank-specific payout models.
Silver, Gold and Platinum tiersAlready a customer, or simply know someone who needs a loan? Refer them — and earn a referral reward on every loan that gets disbursed. There is no limit: the more people you help, the more you earn. Ek referral, ek reward. Das referral, das reward.
Unlimited referrals · reward on every disbursal
A loan is shubh when it fits a life. And when it fits, tarakki never stops at one door — it reaches every home, every shop and every town that trusts us.
Nitin SoniFounder & Managing Director, Shubhdhanam
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Still unsure? Call or WhatsApp us — one conversation usually settles it.
Plan before you apply
Monthly EMI
₹10,747
for 60 months at 10.5% p.a.
Har ₹100 me ₹22 interest
See exactly how much sooner your loan closes — and how much interest you save — when you pay something extra.
Same EMI throughout; every extra rupee goes to reduce the principal. Part-payment rules and any charges depend on your lender — check your sanction letter.
| Year | Principal paid | Interest paid | Balance left |
|---|
Indicative only. Your actual EMI depends on the rate, tenure and charges your lender sanctions. Shubhdhanam is a loan distribution firm (DSA).
