Aadiyashcapital.in

Institutional Performance

Operational Excellence & Turnaround Velocity

Real-time metrics tracking credit volumes, multi-bank approval ratios, and client satisfaction benchmarks across Uttar Pradesh.

Total Financing Disbursed

Retail, MSME & Mortgages

+18.4% MoM

₹54.8 Cr Audited Volume

Personal & Professional Credit ₹18.2 Cr (33%)

MSME, Mudra & Business Funding ₹24.6 Cr (45%)

Housing, Mortgage & LAP ₹12.0 Cr (22%)

Sanction Velocity SLA

Digital Application to Disbursal

Real-Time SLA

24 - 48 Hrs 3x Faster than Direct Bank

Eligibility Check & Bank Tender < 2 Hours

Credit Underwriting & Document Review 12 to 24 Hours

Final Sanction Letter & Release Within 48 Hours

Multi-Sector Facilitation

Aggregated Financial Products

400+ Services

7 Verticals All-In-One Hub

Loans & Govt Subsidies (Mudra / PMEGP) 36% Share

20+ Bank Cards & Demat Accounts 28% Share

GST, ITR & Corporate Legal Solutions 22% Share

Approval Reliability & Safety

Direct Bank API Integration

High Approval

20+ Direct Bank Ties

Direct digital integration with SBI, HDFC, ICICI, Axis, Bank of Baroda, PNB & top NBFCs.

Bank-Grade Institutional Custody

Streamlined Process

Transparent 5-Step Borrowing & Sanction Journey

From initial soft profile audit to direct bank account disbursal — experience lightning-fast institutional financing with zero hidden costs.

01

Profile & Eligibility Audit

We evaluate your income, business turnover, or salaried credentials through a proprietary algorithm with zero negative impact on your CIBIL score.

02

Paperless Verification

Upload minimal KYC, bank statements, and business registration. Our dedicated verification officers validate your dossier in under 2 hours.

03

20+ Bank Rate Tender

Your application is tendered across 20+ partner banks (SBI, HDFC, ICICI, Axis, Bajaj) to secure wholesale interest rate discounts and waived processing charges.

04

In-Principle Sanction

Receive your formal bank loan approval sanction letter within 24 to 48 hours with 100% transparent terms and clear EMI schedules.

05

Direct Account Disbursal

Funds are credited directly into your savings or current bank account. Enjoy flexible repayment tenure, zero prepayment locks, and lifetime advisory.

Institutional Criteria

Loan Category Guidelines & Eligibility Matrix

Review transparent terms, maximum borrowing limits, interest rate spectrums, and qualification criteria across our 6 core credit verticals.

Personal Loans

Unsecured • Multi-Purpose

Immediate liquidity for medical needs, higher education, wedding costs, travel, or high-interest credit card debt consolidation.

Max Quantum: Up to ₹40 Lakhs

Interest Spectrum: 10.50% – 15.50% p.a.

Repayment Tenure: 12 to 60 Months

Salaried (min ₹20,000/mo) or Self-Employed professionals.
Requires PAN, Aadhaar, 3-month payslips & 6-month bank statement.
In-principle approval in 2 hours with zero physical collateral.

Apply for Personal Loan →

Business & MSME Loans

Working Capital • Machinery

Designed for traders, manufacturers, wholesalers, and service contractors to expand operations, purchase inventory, and upgrade plants.

Max Quantum: Up to ₹1.5 Crores (Collateral-Free)

Interest Spectrum: 11.25% – 16.50% p.a.

Repayment Tenure: 1 to 5 Years (OD / Term)

Registered MSME, Proprietorship, LLP, or Pvt Ltd with 1+ yr vintage.
Requires 12-month current account statement & GST returns.
Overdraft (OD), Cash Credit (CC), and invoice financing available.

Apply for Business Loan →

Pradhan Mantri Mudra (PMMY)

Govt Scheme • Zero Security

National flagship scheme promoting micro-enterprises, small shopkeepers, artisans, and budding entrepreneurs with subsidized rates.

Three Tiers: Shishu (₹50k), Kishore (₹5L), Tarun (₹10L)

Interest Spectrum: 8.50% – 11.50% p.a.

Repayment Tenure: Up to 5 Years

Zero collateral or third-party guarantor required.
Nil processing fee under Shishu; Mudra RuPay card provided.
Full advisory for project report and portal registration in Kanpur.

Apply for Mudra Loan →

PMEGP Govt Subsidy

15% – 35% Capital Subsidy

Prime Minister’s Employment Generation Programme granting high capital subsidies for new manufacturing and service projects.

Max Project Cost: ₹50 Lakhs (Mfg) / ₹20 Lakhs (Service)

Govt Subsidy: 15% – 35% of Total Project

Own Contribution: Just 5% to 10% Margin

Available to all individuals aged 18+ (8th pass for >₹10L Mfg).
Direct subsidy credited to bank account after 3-year lock-in.
Our CA team drafts Detailed Project Report (DPR) & handles DIC vetting.

Apply for PMEGP Subsidy →

Home Loans & Transfer

Lowest Rates • 30 Yrs Tenure

Finance purchase of ready apartments, plot + construction, home renovation, or transfer existing high-rate loans to save lakhs.

Max Quantum: Up to ₹5 Crores

Interest Spectrum: 8.40% – 9.25% p.a.

Repayment Tenure: Up to 30 Years

Salaried or business owners with CIBIL score 700+.
Up to 85% property market value funding with top legal vetting.
Balance transfer with rate reduction up to 1.5% + high Top-Up credit.

Apply for Home Loan →

Loan Against Property (LAP)

Unlock Real Estate Equity

Leverage your residential, commercial, or industrial freehold property in Kanpur to secure substantial capital at low mortgage rates.

Max Quantum: Up to ₹10 Crores (70% LTV)

Interest Spectrum: 8.75% – 11.50% p.a.

Repayment Tenure: Up to 15 Years

Property remains in your name and full operational use.
Significantly lower interest and longer tenure than business loans.
Fast title deed validation, valuation, and swift disbursal.

Apply for Property Loan →

The Strategic Advantage

Aadiyash Capital Advisory vs. Direct Bank Branch

Why thousands of borrowers across Kanpur and Uttar Pradesh choose Aadiyash Capital instead of queueing at single traditional bank branches.

Evaluation Parameter	Direct Bank Branch Walk-In	Aadiyash Capital Advisory
Lending Options & Scope	1 Single Bank's rigid products	20+ Banks & NBFCs tendered simultaneously
CIBIL Impact & Inquiries	Hard inquiry per bank damages score	1 Algorithmic soft check (Zero CIBIL impact)
Interest Rate Bargaining	Fixed branch rack-rate with no discounts	Wholesale volume discount (Saves 0.5% – 2% ROI)
Govt Subsidy Support (PMEGP / Mudra)	Branch rarely helps with DPR or portals	Complete DPR project drafting & portal filing
Personal Advisory & Guidance	Customer stands in queue alone	Dedicated Senior Financial Advisor assigned
Average Sanction SLA	10 to 25 business days	In-principle in 2 hrs; full disbursal in 24-48 hrs

Multi-Vertical Platform

Explore Core Financial Verticals

Over 400 institutional products structured to accelerate growth for families, professionals, and enterprises.

All Types of Loans

Personal, Home, Business, Mudra & PMEGP subsidy schemes with zero collateral requirements.

View Loan Catalog →

All Types of Insurance

Life, Health, Motor, General & Fire insurance plans from India's top licensed insurers.

View Insurance Plans →

20+ Bank Credit Cards

Instant pre-approved credit cards from HDFC, SBI, Axis, ICICI, IndusInd & AU Bank.

Explore Credit Cards →

Taxation & GST Compliance

Company registrations, GST filing, ITR, Trademark, Digital Signatures, CMA data preparation.

View Tax Solutions →

Interactive Loan Calculator

Real-time dynamic EMI simulator with monthly repayment breakdown and visual interest ratios.

Calculate Loan EMI →

Kanpur Physical Desk

Headquartered at 344/1, Shastri Nagar Kanpur. Dedicated senior advisory and verification team.

Contact Office Desk →

View All 400+ Services Directory

Clear Answers

Frequently Asked Questions

Straightforward answers regarding loan eligibility, CIBIL scores, interest rates, government subsidies, and processing timelines.

What is the minimum CIBIL score required for loan sanction?

For unsecured personal and business loans, a CIBIL score of 700+ commands the lowest interest rates. However, for scores between 620–690, we facilitate approvals through partner NBFCs and co-applicant programs. For secured loans (Loan Against Property & Gold Loans), approvals are feasible even with non-standard credit histories, and our advisory team assists with credit recovery roadmaps.

How does Aadiyash Capital secure lower interest rates than going to a bank directly?

As a premier high-volume loan aggregator processing over ₹50 Crores in volume across Kanpur and Uttar Pradesh, we have direct access to institutional priority desks at 20+ banks. By tendering your profile across multiple lenders simultaneously, banks compete for your application, allowing us to negotiate preferential interest discounts and processing fee waivers.

Can self-employed traders or shopkeepers get a business loan without audited ITRs?

Yes! Traditional bank branches often reject un-audited traders, but Aadiyash Capital uses alternative banking surrogate methods: 12-month current/savings bank statements, GST transaction flows, and UPI QR merchant collections. You can qualify for collateral-free working capital up to ₹50 Lakhs.

How does the PMEGP subsidy work and who is eligible?

Under the Prime Minister’s Employment Generation Programme (PMEGP), individuals aged 18+ can secure funding up to ₹50 Lakhs for manufacturing and ₹20 Lakhs for service units. The government provides 15% to 35% non-refundable capital subsidy (higher in rural areas and for special categories). Our team drafts the Detailed Project Report (DPR) and handles portal processing end-to-end.

Are there any upfront charges or hidden fees?

Zero. Aadiyash Capital adheres to a 100% transparent operating policy. Initial profile audit, bank comparison, and advisory consultations are completely free. Standard bank processing fees are deducted directly by the sanctioning bank at the time of disbursal with zero hidden broker charges.

How fast can a loan be sanctioned and disbursed in Kanpur?

For pre-approved personal loans and credit cards, in-principle approval is delivered within 2 hours. Business loans and Mudra loans are typically sanctioned and disbursed within 24 to 48 business hours. Home loans and mortgage loans (LAP) require 4 to 7 working days due to title search and technical valuation.

Smart Credit, Govt Funding & Business Compliance Under One Roof