by Sunrise AssociatesChandigarh
#18, NW, Industrial Area Phase 1
+91 98142 51534
Home and business loan advisory · Chandigarh & Gurugram
The rate you were promised is not always the rate you sign.
Read it before you sign a ₹1 crore+ loan. We compare 22+ banks and NBFCs on rate, charges, tenure and speed, and tell you what doesn’t match.
- No documents
- No PAN or CIBIL asked
- A call within 24 hours
If your current offer is already the best fit, we’ll tell you.
LoanDesk by Sunrise Associates is a loan advisor (DSA). Loans are subject to the lender’s approval and terms.
Tilak Raj Bansal, founder, LoanDesk by Sunrise Associates
- Two officesChandigarh and Gurugram
- 22+ banks and NBFCsOne at a time.
- One advisor per fileOne number to call.
- You never pay usThe lender pays us.
Already have a sanction letter? Have us read it before you sign.
A 15-minute call. Read us the rate, charges, tenure and insurance lines. We tell you what doesn’t match and what to ask for.
Read me my letterNothing to upload.
Or check it yourself: 10 things to look for
- The rate. Is it the one you were told? In writing, with a date?
- What it is linked to. Which benchmark, what spread, and when can it change?
- Insurance. Optional or required? Does the rate change if you decline?
- Processing fee. A percentage or a flat amount? Refundable if you withdraw?
- Government charges. Registration and stamp: on what amount, due when?
- Other charges. Valuation, legal, administrative: itemised, with amounts.
- Prepayment. Any charge? Does it depend on floating or fixed?
- Tenure. The one you chose? What happens to tenure if the rate moves?
- The amount. What you asked for? Anything held back until registration?
- Your originals. When do they go over, and when do they come back?
If an answer is vague, ask for it in writing.
1Rate, and what it is linked to
2Insurance: optional or required
3Processing and other fees
4Government charges and when due
5Prepayment and tenure
Where to look. A diagram, not a real letter.You explain once. We speak bank.
Large loans rarely go wrong on the rate. They go wrong in translation.
| You say | The bank hears | We do |
|---|---|---|
| “I need ₹3 crore for my business.” | Stock and receivables? Machinery? A property? Secured against what, on whose accounts? | Name the product that fits, and send it to the lender whose policy fits it. |
| “The rate was agreed on the phone.” | Nothing. A rate exists once it is in a sanction letter. | Get every rate in writing, dated, before you decide. |
| “It’s just a formality.” | A title chain, a valuation and a credit committee, in that order. | Check the chain and the valuation before the file goes in. |
- Rate agreed in a week, file stuck for two months
- Charges nobody mentioned
- Yes at the branch, no at the credit desk
Illustration, not a client case.
Your bank may well be the right choice. Know that before you sign.
One bank
- Shows you that bank’s products
- Quotes you a rate
- You prepare the file, and chase it
- A sanction letter, at the end
With LoanDesk
- Options across 22+ banks and NBFCs
- Interest rate, charges, tenure and processing time, side by side
- One advisor prepares the case and follows it
- A dated, one-page comparison before you decide
≈ ₹7 lakh
What a 0.25% higher rate costs you over a ₹2 crore, 20-year loan.
- ≈ ₹3,000 more, every month
- ≈ ₹50,000 in the first year alone
Illustrative arithmetic, if the loan runs its full 20 years at rates between 7% and 9%. Actual rates and charges depend on the lender and your profile.
Your free loan comparison, step by step
Tell us
Loan type and amount. 30 seconds, no documents.
We call
Within 24 hours, from +91 98142 51534.
We compare
22+ lenders on rate, charges, tenure and speed. One at a time.
You decide
A one-page summary within 2 working days. No deadline from us.
Start in 30 secondsWhen documents are needed, your advisor collects them in person or securely. Never through this website or WhatsApp.
Loans we arrange
₹1 crore and above. If you are not sure which one fits, that is what the first call is for.
Home loan
Buying a premium home, or paying more than you need to on one.
Balance transfer
Worth moving only if the saving beats the cost of moving. We work it out first.
Loan against property
Working or expansion capital against residential or commercial property.
Business loan
Cash credit, overdraft, term and project loans, and unsecured funding.
Car loans. We don’t publish rates here; they change, and the right one depends on your profile.
Your file moves. You don’t.
You have a business to run, or a job. Chasing a loan should not be a second one.
- We come to you. At your home or office, when documents are needed.
- One person, start to finish. The advisor who takes your first call stays with your file.
- You hear from us first. If the lender raises a query, we tell you what is needed and by when.
One number instead of eleven.
Who is behind LoanDesk
Tilak Raj Bansal
Founder · Chandigarh
LoanDesk is led by Tilak Raj Bansal. When you request a comparison, an advisor from our team calls you from +91 98142 51534 and handles your file from the first call to disbursal.
What we don’t do
- Loans below ₹1 crore. We would not do them justice.
- Instant or app-based loans. A large loan takes a proper assessment.
- Lend money ourselves. We are not a bank or an NBFC. The lender approves and disburses.
- Promise an approval or a rate. That decision is always the lender’s.
- Ask for PAN, Aadhaar, statements or CIBIL. Not on this website, and not over WhatsApp.
- Ask you for any payment. If anyone does so in our name, call +91 98142 51534.
- Send your profile to several lenders at once. One at a time.
- Take your originals before disbursement. You get a receipt for everything.
Find out before you sign, not after.
Free for ₹1 crore+ loans. 30 seconds, no documents. An advisor calls you within 24 hours.
- A call from a named advisor, on a number you can save.
- A one-page written comparison, dated and itemised.
- No PAN, Aadhaar, statements or CIBIL asked for here.
- You never pay us. The lender does.
LoanDesk by Sunrise Associates is a loan advisor (DSA), not a bank or lender. Loans are subject to the lender’s approval and terms.
Come and see the desk
Offices in Chandigarh and Gurugram. Serving clients across India.
Gurugram
Basement, #799-P, Sector 15
+91 98142 51534
Questions people ask before they trust anyone
Do I pay you anything?
No. You never pay us. The lender pays us when your loan is disbursed. Some lenders charge their own processing fee when you apply; your advisor tells you the amount, in writing, before you pay it to the lender. If anyone claiming to be us asks for money, don’t pay. Call +91 98142 51534.
The rate I was promised isn’t the rate on my letter. What do I do?
Don’t sign yet. Ask for the rate in writing, including the benchmark it is linked to and how it can change. We read your letter on a call and tell you what doesn’t match. Every rate we give you is in writing and dated.
How do I know you are genuine?
Ask the lender. Call the bank on the number on its own website and ask whether LoanDesk by Sunrise Associates is an authorised partner. We would rather you check before you share anything.
How are you paid, and does that make you push a bigger loan?
The lender pays us when your loan is disbursed. That is a fair thing to question, because it can reward a larger loan. So our summary shows the amount you need next to what the lender will offer, and we tell you if borrowing less is the better call.
What charges will I pay to the bank and the government?
Usually: processing fee, valuation and legal charges, stamp duty and mortgage registration (paid to the state, not to us), and on some loans a prepayment charge. Your written summary lists each one for each option, for your loan amount, before you decide.
Is insurance compulsory?
Check your sanction letter. If it says optional, it is optional. If the branch says otherwise, ask them to put it in writing. Your advisor flags any mismatch in the summary.
I already have a bank offer. Is it too late?
No. Until you sign, you can compare. An outside offer is also the best leverage with your own bank. If yours is the best fit, we’ll say so. If you have already applied somewhere, tell us; we won’t re-submit it under another identity.
Is it safe to share my PAN and ITR with an agent?
We ask for nothing here. Documents are requested only after you decide to go ahead, collected in person or through a secure process, and you see the lender’s reference for your file. Never hand over original property documents before disbursement.
What if my loan is rejected?
Lender fees follow the lender’s own policy, and your advisor reads it out before you pay. Before we submit, we check the things that most often cause rejection: the property’s title chain, its valuation, and the income documents.
Will you call me again and again, or pass my number on?
One advisor handles your file. Your number goes only to the lender you choose to apply with. We don’t pull your credit report; the lender does, with your consent, when you apply.
How long will it take?
It depends on the loan type, the lender and how quickly documents are ready. Your advisor gives you a realistic range on the first call, and tells you the moment it changes.
Which banks do you work with? Are you a bank?
We are a loan advisor (DSA), not a bank. We work with public-sector banks, private banks and housing finance companies, and your advisor names the ones that suit your case, and why. The lender decides approval and terms.