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Only 2 documents are needed to start — your Aadhaar Card and PAN Card. That is enough for us to run a free eligibility check and tell you which lenders will say yes. After that the file requirements depend on the loan type. Salaried applicants are usually asked for 3 months of salary slips, 6 months of bank statements and Form 16. Self-employed applicants need 2 years of ITR with computation, along with 12 months of current-account statements. Home loans and loan against property additionally need the sale deed, index copy and property tax receipt, and business loans may need GST returns and your Udyam or shop-establishment certificate. We prepare and check every page before it is submitted, because a file that goes in incomplete is the single most common reason a good application gets delayed.

Through Union Orbit, home loan interest rates start from just 7% p.a. from our partner banks and NBFCs. Your final rate depends on your profile, income and CIBIL score — we negotiate the best possible rate for you. Two details are worth knowing before you sign. First, most home loans today are floating rate linked to the RBI repo rate, so your EMI can move up or down over the tenure; fixed-rate options exist but usually start higher. Second, a rate difference that looks small is not small over 20 years — on a ₹30 lakh loan, 7% versus 8.5% is roughly ₹6 lakh in extra interest across the full tenure. That gap is exactly what comparing 50+ lenders is meant to close.

Yes. Personal loans from 10% p.a. are available with no collateral and no guarantor, based on your profile and CIBIL score. Approval is fast with minimal paperwork. Because nothing is pledged as security, the lender prices the risk into the rate, which is why personal loan interest is higher than a home loan or loan against property. Tenure is normally 1 to 5 years. If you need a large amount for a long period — for a wedding, a medical need or consolidating several EMIs into one — it is worth letting us compare a personal loan against a loan against property first, since the secured option often works out significantly cheaper per month.

We are partnered with 50+ leading banks and NBFCs including IDFC FIRST Bank, ICICI Bank, Bank of Baroda, Bajaj Finserv, Tata Capital, L&T Finance, HDB Financial Services, Poonawalla Fincorp, Muthoot Fincorp and DMI Finance. One application lets us compare offers across all of them.

No. Union Orbit follows a 100% transparent process — no hidden charges, ever. Whatever we quote is what you pay, and we guide you honestly at every step from application to disbursement.

Yes. We arrange business loans from 9% p.a. for all business types, plus dedicated factory loans for machinery and industrial expansion in Surat and across Gujarat — including working capital and term loan options.

Our office is at KSB Olympia S10, 2nd Floor, Near D-Mart, G.H.B., Pandesara, Surat, Gujarat. We are open Monday to Saturday, 10 AM to 7 PM. Call or WhatsApp +91 95100 52202 or +91 99786 10082.

A CIBIL score of 700 and above usually gets you the lowest interest rates and the fastest approval. Between 650 and 700 a loan is still very possible, though the rate may be higher. Below 650 we first check secured options such as loan against property or a co-applicant profile, and guide you on how to improve your score. We always check your eligibility before applying, so your credit report is not damaged by repeated rejections.

As a general rule, banks keep your total EMIs within 50–60% of your monthly income. On a ₹30,000 salary with no existing EMIs, a personal loan of roughly ₹5–8 lakh is typical, while a home loan can go much higher because of the longer tenure and the property as security. Two things reduce that figure more than people expect: EMIs you are already paying, including a car loan or a credit card that is being repaid in instalments, and a low CIBIL score, which can cut the sanctioned amount even when your income is strong. Adding an earning spouse or parent as co-applicant is often the fastest way to increase eligibility. Use our EMI calculator for an instant estimate, then call us for an exact figure based on your profile.

Yes. A large part of our work is with self-employed customers in Surat — traders, shop owners, textile and diamond unit owners, transporters and manufacturers. We arrange business loans, working capital, machinery and factory loans, term loans and loan against property, including options for customers whose ITR is limited, using banking-turnover based programs from our NBFC partners. Surat’s textile and diamond trade runs on seasonal cash cycles, and a business owner whose books look thin in one quarter can be perfectly creditworthy across the year. Banks that only read the ITR often miss that; the lenders we work with will assess your actual bank credits, GST filings and order flow instead. If your paperwork is not conventional, bring it in anyway — it is usually a matter of matching you to the right lender rather than a real eligibility problem.

Yes. Balance transfer is one of the easiest ways to reduce your EMI. If you are paying a high rate on an existing home loan, business loan or personal loan, we compare current offers across 50+ banks and NBFCs, calculate your exact savings after processing charges, and move the loan only if the benefit is real. A top-up amount can usually be arranged along with the transfer.

Your process starts within 15–20 minutes of contacting us. Personal and car loans are commonly approved within 24 to 72 hours. Business loans typically take 3 to 7 working days, while home loans and loan against property take around 7 to 15 working days because of legal and property valuation checks. Timelines depend on your documents and the lender’s policy.

Whatever charges apply are told to you upfront, in writing, before you proceed. Standard bank processing fees are decided by the lender and are deducted as per their policy. We never add hidden costs on top, and we never ask for advance cash to “get an approval” — if anyone makes such a demand in our name, please call +91 95100 52202 immediately.

We serve all of Surat including Pandesara, Udhna, Sachin, Dindoli, Limbayat, Varachha, Katargam, Adajan, Vesu, Piplod, Athwa, Bhatar, Rander, Amroli and Pal, plus nearby areas such as Olpad, Kamrej, Bardoli, Kim and Navsari. Most of the process can be completed on call and WhatsApp, so you only need to visit our Pandesara office when signing is required.