Personal Loans
Quick funds for personal needs. Min. Salary ₹15k (Bank Credit), CIBIL 700+ preferred. Cash salary not accepted. Min Loan ₹50k.
Check Eligibility
Need Quick Cash? Welcome to Sai Finance
Your Trusted Loan Assistance Partner
About Sai Finance
Sai Finance is a trusted financial mediator connecting borrowers with leading banks and financial institutions in Tirunelveli, Tenkasi, Thoothukudi. We provide personalized guidance and seamless support throughout the loan process, ensuring transparency and efficiency.
We are dedicated to finding the best loan solutions tailored to your needs, simplifying your path to financial assistance.
Our Strong Presence & Impact
600+ Loans Successfully Processed
₹150 Cr+ Loan Amount Disbursed
Check Your FREE Credit Report
Understanding your credit score is the first step towards securing the best loan options. Get your official report from CIBIL or Experian today!
What's Included in Your Credit Report?
Transunion CIBIL Report typically includes:
- Your latest CIBIL Score (300-900).
- Summary of credit payment history from lenders.
- Personal info (name, DOB, gender) linked to accounts.
- List of loan/credit card application enquiries (last 36 months).
- Details of active and inactive loan/credit card accounts.
Experian Report typically includes:
- Your Experian credit score (300-900).
- Summary of credit accounts with detailed payment history.
- Personal information linked to your credit profile.
- List of your applications for loans and credit cards.
- (And potentially other credit-related details)
Loan Assistance Services
Home Loans (HL)
Expert assistance for purchasing or refinancing your home. Indicative interest rates range from 9% to 15%.
View RatesLoan Against Property (LAP)
Leverage your property's value for funds. Indicative interest rates from 11.5% to 21%.
View RatesBusiness Loans
Tailored options for SMEs (2+ years operation). Includes working capital, term loans, and more.
Inquire for BusinessOther Solutions
We also assist with Invoice Financing and Lines of Credit based on specific requirements.
Discuss OptionsIndicative Rates, Partners & DSA Codes
Rates vary. We partner with leading institutions & operate with authorized codes.
Interest Rate Range (p.a.)
- Home Loans (HL): 9% - 15%
- Loan Against Property (LAP): 11.5% - 21%
- Other Loans: Varies (e.g., 12.5% - 21%+)
Partner Institutions
- Bandhan Bank
- PNB
- Grihum Housing Finance
- Chola
- Veritas Finance
- Indostar Capital Finance
- Aptus Value Housing Finance
- IKF Finance (LAP)
- APAC Financial Services
- Five Star Business Finance
- Poonawalla
Our DSA Codes
We are authorized partners with various banks. Our Direct Selling Agent (DSA) codes include:
- Veritas: VFASD221760
- Ponnawalla: 006101
- IKF Finance: 11154
- Indo Star: CP037394
- SMFG: HLPDTIR024
- Chola: 10006624
*This list is illustrative. Contact us for specifics.
Eligibility & Documents Overview
Common Eligibility Criteria
- Indian citizen
- Age Criteria (Varies, e.g., 21-65)
- Stable Income Source
- Min. Salary (Personal Loan): ₹15,000 (Bank Credit Only)
- CIBIL Score: 700+ preferred
- Business Vintage: 2+ years (for business loans)
- Turnover: Varies by lender
General Documents Required
- PAN Card (Mandatory Copy)
- Aadhaar Card (ID/Address Proof)
- Other Address Proof (Utility Bill, Passport)
- Passport Size Photo(s)
- Bank Statements (Last 6-12 Months)
- Salaried: 3 Months Salary Slips, Form 16/ITR
- Self-Employed: ITR (2-3 yrs), Business Proof, Financials
*Specific requirements depend on the lender and loan type. Contact us for details.
Loan Interest Calculator
Estimate interest using Simple or Compound (Annual) methods.
*Illustrative purposes only using standard formulas. Actual lender calculations and final amounts will vary.
Learn More / Resources
View our informational guide for more details.
View Info Guide (opens in new tab)Important & Partner Links
Frequently Asked Questions
What service does Sai Finance provide?
Sai Finance acts as a financial mediator, connecting borrowers seeking personal, home, business, or property loans with suitable banks and financial institutions in Venkateswarapuram. We provide guidance and support throughout the application process.
What is the minimum salary for a Personal Loan?
A minimum salary of ₹15,000 per month (credited to a bank account) is generally required. Cash salaries are not accepted.
What CIBIL score is needed?
A CIBIL score of 700 or higher is generally preferred or required by most lenders we partner with. You can check your official score for free here: Check Free CIBIL Score.
How do I apply for a loan through Sai Finance?
You can start by clicking the "Apply Online" button which links to our application form: Online Application Form. Alternatively, use the Founder Contact Form or call us directly.
What documents are typically required?
Basic documents usually include PAN Card, Aadhaar Card (or other ID/Address proof), Bank Statements (6-12 months), Photos, and income proof like Salary Slips (for salaried) or ITR/Financials (for self-employed). See the Eligibility & Documents section for a general overview, or check this detailed list: Detailed Document Checklist.
Are there any fees charged by Sai Finance?
Yes, as a mediator providing facilitation services, Sai Finance charges a commission (Mediator Fee). This is separate from any processing fees or other charges levied by the actual lending institution. All fees are disclosed upfront for transparency.
What are the typical customer charges or expenses involved in getting a loan?
Besides the lender's interest rate, customers may incur several charges depending on the loan type and lender. These can include Login/Application Fees, Processing Fees (typically 1%-2.5% + GST), Legal/Notary Fees, Property-related charges like EC/MOD (for HL/LAP), and potentially Insurance costs. Sai Finance also charges a separate Mediator Fee for our services. For a detailed illustrative breakdown of potential expenses, please refer to this document: Detailed Customer Expenses Overview.
How do I contact Sai Finance?
You can reach us via phone at +91 78 68 02 53 80 or email us at saifinance622@gmail.com. You can also use the Founder Contact Form in the Contact Section below.
Contact & Apply
Reach out for loan applications, general inquiries, or to connect directly.
General Contact
Address: No: 12 Jeyaraj Complex, Venkateswarapuram-627854
Phone: +91 78 68 02 53 80
Email: saifinance622@gmail.com
Get in Touch
Mr. Arumugam
Loan Consultant