Contact

You may already qualify for the sahi borrowing route. Let’s find it.

Tell us what you need and what you do. We’ll shortlist the routes worth checking for your situation.

Free Home CounselingAt your home, shop or business in Lucknow.

25 years teaches you what to ask before an application goes in.

We look at your work, income and purpose, then explain which route deserves a closer look.

25+years guiding borrowers
5,000+clients across Lucknow & Uttar Pradesh
₹40 Crfinancing facilitated

A difficult borrowing decision reaches beyond the paperwork. Ghar ka budget bhi mehsoos karta hai.

These figures do not say every borrower is in trouble. They show why the right route and clear terms matter before another EMI begins.

The queries people raised with RBI

The RBI Ombudsman is the official place Indians raise a query when their bank does not fix their problem.

In FY2024–25, it received 13.34 lakh queries — up 13.55% — and loans were the single biggest reason people raised queries: 86,670 queries.

Share of banking complaints by category, FY2024–25:

  • Loans & advances29.25%
  • Credit cards17.15%
  • Mobile / electronic banking16.86%
  • Deposit accounts16.84%
  • All other categories19.90%
Source: RBI Integrated Ombudsman Scheme Annual Report, FY2024–25.
85%

of distressed borrowers said EMIs take more than 40% of their monthly income.

For these borrowers, the EMI is already pressing hard on the monthly budget.

Source: Expert Panel survey of 10,000 distressed borrowers, Jun–Dec 2025 (via Moneycontrol)

Pehle situation samajhte hain. Then we look at the next sensible step.

See where we can help

Aapki situation samajhkar, we show you what to check next.

Bring the question that is worrying you. We’ll work through the route, terms and paperwork with you.

01

“Which schemes are meant for someone in my profession?”

We shortlist the routes worth checking.
Your work, purpose and amount help us start in the right place.

02

“Every lender explains the terms differently.”

We explain the difference in plain words.
You can compare the terms before choosing.

03

“I’m worried about rejection, paperwork or hidden charges.”

We stay with the application.
We help with documents and follow-up while the lender reviews your case.

Loans we help with

Aapka goal batayein. We’ll help you understand which of these common borrowing routes may suit your situation. The lender sets the final terms and decides on approval.

Indian family sharing a happy moment together in their living room
Indian family sharing a happy moment together in their living room
01 · Home finance

Home Loan

For families buying, building or improving a home.

Indian couple reviewing paperwork together at home
Indian couple reviewing paperwork together at home
02 · Personal finance

Personal Loan

For individuals managing a planned personal expense.

Indian small business owner in his neighbourhood shop
Indian small business owner in his neighbourhood shop
03 · Business finance

Business Loan

For shopkeepers, traders and business owners funding growth or working capital.

Indian graduates celebrating together on campus
Indian graduates celebrating together on campus
04 · Study finance

Education Loan

For students and families planning tuition and study costs.

Indian customers choosing a car at a dealership
Indian customers choosing a car at a dealership
05 · Vehicle finance

Vehicle Loan

For people and businesses buying a car or commercial vehicle.

Indian doctor standing alone in a hospital corridor
Indian doctor standing alone in a hospital corridor
06 · Professional finance

Doctor / Professional Loan

For doctors growing a clinic or practice — up to ₹1 crore, with or without collateral.

Traditional Indian bungalow representing property-backed finance
Traditional Indian bungalow representing property-backed finance
07 · Property-backed finance

Loan Against Property

For property owners raising funds against a residential or commercial property.

Indian women entrepreneurs learning tailoring through a small business programme
Indian women entrepreneurs learning tailoring through a small business programme
08 · Government-backed finance

Mudra & Government Schemes

For eligible small businesses looking at government-backed finance.

Indian woman wearing traditional gold jewellery
Indian woman wearing traditional gold jewellery
09 · Secured finance

Gold Loan

For people who want funds against the value of their gold.

Aap batayein. We’ll take it one step at a time.

We explain the options and help with the application. The lender makes the decision and sends the funds.

Illustration of a person on a call sharing a financial goal
Illustration of a person on a call sharing a financial goal
Illustration of a magnifying glass comparing options and finding a match
Illustration of a magnifying glass comparing options and finding a match
Illustration of a checked document with terms ready to review
Illustration of a checked document with terms ready to review
Illustration of a clear path leading to a funded goal
Illustration of a clear path leading to a funded goal
Step 1 of 4
Illustration of a person on a call sharing a financial goal
Illustration of a person on a call sharing a financial goal
01

Tell us your goal

Tell us what you want to achieve. You do not need a product name.

Your purpose narrows the useful routes.
Illustration of a magnifying glass comparing options and finding a match
Illustration of a magnifying glass comparing options and finding a match
02

Get matched options

We compare paths that may fit your profession and situation.

Your profile changes which routes are worth checking.
Illustration of a checked document with terms ready to review
Illustration of a checked document with terms ready to review
03

Terms in plain words

We explain the lender’s documents and terms before you decide.

You should understand the terms before agreeing.
Illustration of a clear path leading to a funded goal
Illustration of a clear path leading to a funded goal
04

Support till disbursal

We guide the paperwork, application and follow-up.

Clear follow-up keeps the process moving.

First consultation is free. Ask how we are paid. We will explain it before you decide.

Aap samajhkar faisla karein.

We explain the route, the lender’s terms and the next step before you decide.

I

Your goal comes first

We begin with the home, education, business or personal need behind the borrowing.

II

The trade-offs stay visible

We compare routes and explain the lender's terms in language you can use.

III

You know what happens next

We stay with the paperwork, application and follow-up through the lender's decision.

What you get

  • Starting points matched to your situation
  • Lender terms explained plainly
  • Help with the application

What we avoid

  • Hidden charges
  • Unwanted follow-up calls
  • A product pushed without a clear fit
Portrait of Girjesh Kumar Mishra
Portrait of Girjesh Kumar Mishra

A real person listens before suggesting a route.

Girjesh Kumar Mishra is a financial consultant based in Lucknow. He starts with your situation and the purpose of the borrowing, then discusses the routes that may fit.

Education

  • Executive MBAIIM Lucknow, Noida Campus · 2016
  • PGDBMIEM Lucknow · 2001
  • GraduationDDU Gorakhpur University · 1999

Career: 20 years in sales and finance — Deputy Regional Manager (Sales), Bajaj Finserv (2007–2018), covering Uttar Pradesh and part of Madhya Pradesh; earlier with HDFC Bank and ICICI Bank.

“I believe every individual deserves personal financial guidance, without the complexity and hidden charges.”
Girjesh Kumar MishraFinancial Consultant and Owner · Lucknow, Uttar Pradesh

Baith kar baat karte hain, where you’re comfortable.

We can meet you at home, at your shop, or at your business in Lucknow and explain the route properly.

Your place in LucknowNo counseling feeHelp with paperwork
Arrange a free visit

What our client community looks like.

Loan Sewa has worked with shopkeepers, doctors and salaried families across Lucknow.

Loan Sewa client

Mr. Anay Verma

Shopkeeper · Hazratganj, Lucknow

Client community

More than 5,000 clients across Lucknow, including shopkeepers, doctors and salaried families.

The questions customers ask us most.

Your case may be different. Bring it to the first consultation and we’ll talk it through.

We help with home, personal, business, education, vehicle, doctor and professional loans, loans against property, Mudra and government schemes, and gold loans. The useful path depends on your profile and goal.

We start with who you are, what the money is for and the amount you have in mind. Those answers help us narrow the routes worth discussing; they do not guarantee approval.

First consultation is free. Ask how we are paid. We will explain it before you decide.

No. A first conversation with Loan Sewa does not run a credit check. If a lender later needs one, that is part of its own process and should be explained before you proceed.

Requirements vary by lender, route and profile. Once we understand the situation, we explain the relevant documents and why they are needed.

Timing depends on the option, documents and lender. We explain the likely timeline for each route.

Tell us what happened. We can help you understand whether another route is worth discussing, without promising that a lender will approve it.

A Loan Sewa representative can meet you at your home, shop or business in Lucknow. The visit covers your requirement, relevant routes and paperwork, with no counseling fee.

Apni zaroorat batayein. We’ll help you find a sensible route.

The first conversation is free. You can call even if you do not know the right option yet.

WhatsAppCall usEmail us

Contact

Aap kis cheez ke liye funding dekh rahe hain?

Advisor
Girjesh Kumar Mishra
Financial Consultant
Phone+91 93071 41346
EmailEmail Girjesh
Location
Lucknow, Uttar Pradesh, India

Sources