LoanDeskby Sunrise Associates Call +91 98142 51534

If you already have an offer

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.

Step 1 of 2 · 30 seconds

What do you need?
How much?

No documents, PAN or CIBIL score here. We don’t pull your credit report.

LoanDesk by Sunrise Associates is a loan advisor (DSA), not a bank or lender. Loans are subject to the lender’s approval and terms.

  • Nothing to upload. You read it out; we listen.
  • A call within 24 hours
  • If it’s fine, we’ll tell you that too

Ten things to look for

You can check these yourself. If an answer is vague, ask for it in writing.

  1. The rate. Is it the one you were told? In writing, with a date?
  2. What it is linked to. Which benchmark, what spread, and when can it change?
  3. Insurance. Optional or required? Does the rate change if you decline?
  4. Processing fee. A percentage or a flat amount? Refundable if you withdraw?
  5. Government charges. Registration and stamp: on what amount, due when?
  6. Other charges. Valuation, legal, administrative: itemised, with amounts.
  7. Prepayment. Any charge? Does it depend on floating or fixed?
  8. Tenure. The one you chose? What happens to tenure if the rate moves?
  9. The amount. What you asked for? Anything held back until registration?
  10. Your originals. When do they go over, and when do they come back?

What happens on the call

  1. You read three lines

    Rate, processing fee, insurance.

  2. We check them

    Against what you were told, and by whom.

  3. We say what we see

    What looks normal, and what doesn’t match.

  4. You decide

    If you want it compared across lenders, we send one page.

Tilak Raj Bansal, founder of LoanDesk, by his office window at dawn

Who is behind LoanDesk

Tilak Raj Bansal

Founder · Chandigarh

An advisor from our team reads your letter with you, on a call from +91 98142 51534.

Questions people ask first

Do I have to send you the letter?
No. Please don’t. Read us the rate, the fees and the insurance lines on a call. That is enough for a first check.
Do I pay you anything?
No. You never pay us. The lender pays us when your loan is disbursed. If a lender charges its own processing fee, your advisor tells you the amount and its refund policy in writing before you pay it to the lender.
Are you a bank?
No. We are a loan advisor (DSA). We arrange loans with banks and NBFCs. Approval and terms are the lender’s decision.

Read it with someone before you sign.

Read me my letter

LoanDesk by Sunrise Associates is a loan advisor (DSA), not a bank or lender. Loans are subject to the lender’s approval and terms.