Ranjan Infotech Pvt. Ltd — Loan Desk
Every Kind of Loan, Explained & Arranged.
From home loans to gold loans — eligibility, documents and lender matching, handled by one advisor who explains every clause before you sign anything.
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Loan Products
Multi
Bank & NBFC Tie-ups
Same-Day
Advisor Response
Plain
Language Paperwork
Getting a loan approved usually comes down to two things: applying to the right lender, and having your paperwork in order before you apply. Ranjan Infotech works as your single point of contact for both — we check your eligibility against real bank and NBFC criteria first, then place your file where it has the strongest chance of approval, and stay with you until the money is disbursed.
- No blind applications — eligibility checked before submission
- One advisor tracks your file end-to-end
- Every term and clause explained before you sign
The Loan Register
Eleven Loan Products, One Application Desk
Each loan below is checked against your eligibility, matched to the right lender, and processed by the same advisor from paperwork to disbursal.
Home Loan
Salaried & Self-EmployedFinance for buying, constructing or renovating a house, matched to the bank offering the best rate for your income profile and property type. We compare offers across our lending partners instead of pushing you to one bank, so you see the real range before choosing.
Documents Usually Needed
- Identity & address proof (Aadhaar, PAN)
- Income proof — salary slips or ITR, 2–3 years
- Bank statements, last 6 months
- Property papers & approved building plan
Who Can Apply
- Salaried applicants with stable income
- Self-employed with 2+ years of ITR filings
- Age typically 21–65 at loan closure
- Co-applicant accepted to boost eligibility
- Eligibility and EMI estimate checked before you apply
- Document list and property paperwork reviewed in advance
- Support through valuation, legal check and disbursal
Common Questions
Can I get a home loan with a low CIBIL score?
It's harder but not impossible — some NBFCs work with lower scores at a higher rate. We'll check what's realistic for your profile before applying anywhere.
Is a co-applicant compulsory?
Not always, but adding an earning family member as co-applicant often increases your eligible loan amount.
Mortgage Loan
Property-Backed FinanceA secured loan against residential or commercial property, useful for larger funding needs at lower interest than unsecured credit. Because the property backs the loan, approval and rates are usually more favourable than personal credit lines.
Documents Usually Needed
- Clear property title deed
- Identity, address & income proof
- Property tax receipts
- Existing loan statements, if any
Who Can Apply
- Owner of a legally clear, unencumbered property
- Salaried or self-employed with steady income
- Both individuals and businesses eligible
- Property valuation and title check coordinated for you
- Comparison across lenders for the best mortgage rate
Common Questions
What can the loan amount be used for?
Usage is generally flexible — business expansion, medical costs, education or debt consolidation are all common purposes.
Personal Loan
Unsecured, Fast ProcessingQuick, collateral-free funding for medical needs, weddings, travel or any personal expense, based mainly on your income and credit score. Because no security is pledged, approval leans heavily on your CIBIL score and repayment history.
Documents Usually Needed
- Identity & address proof
- Latest 3 months' salary slips
- Bank statements, last 3–6 months
Who Can Apply
- Salaried professionals with a regular income
- Self-employed with consistent ITR filings
- CIBIL score of 650+ generally preferred
- Credit score checked first so you apply where you'll get approved
- Minimal documentation, fast turnaround
Common Questions
How fast can a personal loan be disbursed?
With complete documents and a healthy credit score, some lenders disburse within 24–48 hours of approval.
Business Loan
Working Capital & ExpansionFunding for working capital, expansion or equipment purchase, structured around your business's cash flow and turnover. We review your GST and ITR filings first so your application reflects your business the way lenders want to see it.
Documents Usually Needed
- Business registration proof
- GST returns & ITR, last 2–3 years
- Current account bank statements
- Existing loan / credit facility details, if any
Who Can Apply
- Proprietorships, partnerships & private companies
- Minimum 1–2 years of business vintage, typically
- Positive turnover trend preferred
- GST and ITR filings reviewed to strengthen your application
- Matched to lenders suited to your business category
Common Questions
Is collateral always required?
No — several NBFC schemes offer unsecured business loans up to a moderate amount, based purely on turnover and repayment history.
Vehicle Loan
Two-Wheeler & Four-WheelerFinance for new or used two-wheelers and cars, with on-road price coverage and quick approval through our lender network. Dealer-side paperwork is coordinated alongside the loan so delivery isn't held up by financing.
Documents Usually Needed
- Identity & address proof
- Income proof — salary slip or ITR
- Vehicle quotation / proforma invoice
Who Can Apply
- Salaried & self-employed individuals
- First-time and repeat vehicle buyers
- Used vehicles up to a defined age accepted
- Dealer-side paperwork coordinated alongside the loan
- New and pre-owned vehicle financing both covered
Common Questions
Can I finance a used vehicle?
Yes, most lenders finance pre-owned vehicles up to a certain age, usually at a slightly higher rate than new-vehicle loans.
Gold Loan
Same-Day DisbursalInstant funding against your gold jewellery, with transparent valuation and secure storage till repayment. Valuation happens in front of you, so there's no ambiguity about how the loan amount was decided.
Documents Usually Needed
- Identity & address proof only
- Gold ornaments for in-person valuation
Who Can Apply
- Any adult owning gold jewellery
- No income proof or CIBIL check typically needed
- Transparent, in-person gold valuation before you commit
- Flexible repayment options explained upfront
Common Questions
Is my gold safe once pledged?
It's stored in secure, insured vaults with the lender until the loan is repaid in full and the gold is returned to you.
Education Loan
India & Study AbroadFunding for tuition, hostel and related costs for higher studies in India or abroad, including moratorium-period guidance. We review admission and fee documents together so nothing is missing when the file goes to the bank.
Documents Usually Needed
- Admission letter & fee structure
- Academic records of the student
- Co-applicant's income proof
- Collateral papers, for higher loan amounts
Who Can Apply
- Students with a confirmed admission offer
- Co-applicant — usually parent or guardian — required
- Admission and fee-structure documents reviewed together
- Guidance on subsidy schemes where applicable
Common Questions
When does repayment start?
Typically after the course ends, plus a grace period of 6–12 months for the student to find employment — exact terms vary by lender.
Loan Against Property
High-Value Secured LoanUnlock funds against your owned residential or commercial property for business expansion, education or any large expense. Title verification is handled alongside the loan process, so you don't have to run between offices.
Documents Usually Needed
- Property title deed & tax receipts
- Identity, address & income proof
- Bank statements, last 6 months
Who Can Apply
- Owner of a legally clear property
- Salaried, self-employed or business owners
- Title verification handled alongside the loan process
- Lower interest than unsecured borrowing options
Common Questions
Can a rented-out property be used?
Yes, tenanted properties are generally accepted as long as ownership and title are clear.
MSME / Business Loan
Micro, Small & Medium EnterpriseDedicated funding schemes for registered MSMEs covering working capital, machinery and expansion needs. If you're not yet Udyam-registered, we help with that too, since several schemes require it.
Documents Usually Needed
- Udyam / MSME registration certificate
- GST returns & ITR
- Business bank statements
Who Can Apply
- Micro, small & medium enterprises
- New and existing registered businesses
- Udyam registration assistance if not already registered
- Matched against current government MSME lending schemes
Common Questions
I'm not registered under Udyam yet — can I still apply?
Yes, we can help complete the Udyam registration first, since it's a prerequisite for most MSME scheme benefits.
PM Mudra Loan
Shishu / Kishor / TarunGovernment-backed micro-finance for small businesses and self-employed individuals under the Pradhan Mantri Mudra Yojana. The right category — Shishu, Kishor or Tarun — is selected based on how established your business already is.
Documents Usually Needed
- Identity & address proof
- Business plan or proof of existing activity
- Passport-size photographs
Who Can Apply
- Non-corporate, non-farm small businesses
- New entrepreneurs and existing micro units
- Category selected based on your business stage
- No collateral required under the scheme
Common Questions
Which Mudra category is right for me?
A brand-new small setup usually starts under Shishu; an established unit with growth plans typically fits Kishor or Tarun. We'll assess this during your eligibility check.
PMAY Housing Loan
Pradhan Mantri Awas YojanaSubsidised housing finance under PMAY for eligible first-time home buyers, with interest subsidy applied at source where applicable. We check current PMAY eligibility criteria before you apply, since income-category limits are revised from time to time.
Documents Usually Needed
- Income proof matching the applicable category
- Declaration of no other pucca house owned
- Property & identity documents
Who Can Apply
- First-time home buyers meeting PMAY criteria
- Household should not own another pucca house
- Eligibility under current PMAY criteria checked before applying
- Subsidy paperwork handled alongside your home loan
Common Questions
How is the subsidy applied?
Where the scheme is active for your income category, the eligible interest subsidy is typically credited directly to your loan account, reducing the effective principal.
How It Works
From Enquiry to Loan Disbursal
Four stages, the same for every loan on our register.
Enquire
Call, WhatsApp or visit our office and tell us which loan you need.
Eligibility Check
Your advisor checks income, CIBIL and documents against lender criteria.
Lender Matching
Your file is placed with the bank or NBFC offering the best terms.
Disbursal & Support
Loan disbursed, with follow-up help through the full tenure.
Our Advantage
Why Apply for a Loan Through Ranjan Infotech
Built for people who want a straight answer on approval chances, not a runaround.
Credit-First Guidance
We check your CIBIL standing before recommending where to apply.
Multi-Lender Matching
Your file is placed with the bank or NBFC most likely to approve it.
Plain-Language Paperwork
Every clause explained in the language you're comfortable in.
Support Till Closure
Help continues through disbursal and the full loan tenure.
No Hidden Charges Explained Late
Processing fees, prepayment terms and penal charges are laid out before you apply — not discovered in the fine print afterward.
Genuine Multi-Lender Comparison
We work across several banks and NBFCs, so the recommendation is based on your best fit, not a single tied-up lender.
Your Documents Stay With You
Originals are never held by us — we guide the checklist and verification, and submissions go directly to the lender.
Get In Touch
Tell Us Which Loan You Need — We'll Take It From There
Reach out directly — an advisor will respond the same day.
Call Us
Speak directly with an advisor for quick answers.
+91 73669 92222Email Us
Send your documents and questions any time.
infotechranjan@gmail.comVisit Us
Drop by our office for an in-person consultation.
Chanakya Nagar, Begusarai,Bihar — 851101