Loans
At Hanish Financial Management Services (HFMS), we provide complete loan assistance for individuals and businesses. We support all CIBIL profiles, including low or zero CIBIL, subject to lender policies and eligibility criteria.
Loan approvals, interest rates, and tenure are subject to bank/NBFC terms and conditions.
Home Loan
Home loans help you buy, construct, or renovate residential property with flexible repayment options. We assist clients in finding suitable home loan solutions based on income, eligibility, and credit profile.
Minimum CIBIL Score:
- Preferred: 700 & above
- Low CIBIL cases considered (Terms & Conditions apply)
Home Loan Checklist:
- PAN Card & Aadhaar Card
- Address Proof
- Income Proof (Salary Slips / IT Returns)
- Bank Statements (Last 6 months)
- Property Documents
- Passport-size Photographs
Personal Loan
Personal loans provide quick financial support for personal needs such as medical expenses, travel, education, weddings, or emergencies. These loans are unsecured and processed quickly.
Minimum CIBIL Score:
- Preferred: 700 & above
- Low / Zero CIBIL support available (Subject to eligibility & lender norms)
Personal Loan Checklist:
- PAN Card & Aadhaar Card
- Address Proof
- Salary Slips / Income Proof
- Bank Statements (Last 6 months)
- Employment Proof
- Passport-size Photographs
Business Loan
Business loans help entrepreneurs and companies manage working capital, expand operations, or invest in growth opportunities. Solutions are customized based on business cash flow and financial strength.
Minimum CIBIL Score:
- Preferred: 650 & above
- Low CIBIL cases considered with additional documentation (Terms & Conditions apply)
Business Loan Checklist:
- PAN Card (Individual / Business)
- Aadhaar Card
- Business Registration Documents
- Bank Statements (Last 12 months)
- IT Returns (Last 2–3 years)
- GST Returns (if applicable)
- Financial Statements
Vehicle Loan
Vehicle loans enable the purchase of new or used cars, two-wheelers, or commercial vehicles with affordable EMIs and flexible tenure.
Minimum CIBIL Score:
- Preferred: 650 & above
- Low CIBIL loan options available (Subject to lender approval)
Vehicle Loan Checklist:
- PAN Card & Aadhaar Card
- Address Proof
- Income Proof
- Bank Statements
- Vehicle Quotation
- Passport-size Photographs
Important Note
- Loan approval, interest rates, processing time, and disbursement depend on bank/NBFC policies
- Low or zero CIBIL loans may require higher interest rates, co-applicants, or additional security
- Terms & Conditions apply for all loan products
Why Choose HFMS?
- Assistance for all CIBIL profiles
- Transparent guidance and expert support
- Tie-ups with leading banks & NBFCs
- End-to-end assistance from application to disbursement
Get the Right Loan Assistance
📞 Call us now: +91 89775 20358
Our experts are ready to guide you with the best interest solutions tailored for you.