Loan Services — OM SAI RAM Financial Services & Solution
Loan Services
Complete Loan Solutions — Dehradun

All Types of Loans
Under One Roof

Personal · Business · Home · LAP · Car · Education · Gold · OD/CC · Govt Schemes

Personal Loan Business Loan Home Loan LAP Car Loan Instant Loan Education Loan Gold Loan Govt Scheme
1000+ Loans Processed
Fast Approval
Minimal Documentation
Best Interest Rates
100% Secure Process
Expert Loan Advisors
Dehradun, Uttarakhand
1000+

Loans Processed

11+

Loan Types

48hr

Fast Approval

100%

Transparent Process

Loan Services
Our Loan Services

Your Trusted Loan Partner
in Dehradun

At OM SAI RAM Financial Services & Solution, we help individuals and businesses get the right loan with the best interest rates, minimal documentation and fastest approval process in Dehradun and across Uttarakhand.

Whether you need funds for personal needs, business expansion, home purchase, higher education or working capital — we have the perfect loan solution for every requirement. Our expert team works with 20+ leading banks and NBFCs to ensure you get the best deal every time.

11+ Types of Loans Available
Best Rates from Top Banks & NBFCs
Minimal Documentation — Quick Processing
Door-step Service Available in Dehradun
Free CIBIL Check & Eligibility Advice
Expert Guidance at Every Step

Need help choosing the right loan? Call us for free expert guidance — fast response, no hidden charges!

Call for Free Loan Advice
Loan Products

All Types of Loans We Offer

From personal needs to business growth — get the right loan with the best terms, fastest approval and complete expert support

Personal Loan (PL)

Quick unsecured loan for any personal financial need — medical, wedding, travel, renovation or emergency.

A Personal Loan is a multipurpose unsecured loan that requires no collateral. Whether it is a sudden medical emergency, your child's wedding, an international trip or home renovation — Personal Loan gives you instant access to funds with simple documentation and fast approval. We tie up with 15+ banks and NBFCs to get you the lowest rate and fastest disbursal possible.

Salaried Self Employed No Collateral
  • Loan Amount: ₹50,000 – ₹40 Lakhs
  • Tenure: 12 – 60 Months
  • Age: 21 – 60 Years
  • Min. Salary: ₹15,000/month
  • Disbursal in 48–72 Hours
  • No Collateral or Guarantor

Business Loan (BL)

Fund your business expansion, purchase equipment or manage working capital with fast and flexible loans.

A Business Loan helps entrepreneurs, MSMEs and business owners access funds for expansion, inventory purchase, working capital, machinery or marketing. Available as both secured and unsecured options depending on your business profile and requirement. Our experts analyze your business and match you with the best lender offering the most favorable terms for your growth.

MSME Proprietor Pvt. Ltd.
  • Loan Amount: ₹1 Lakh – ₹1 Crore+
  • Tenure: 12 – 84 Months
  • Business Vintage: Min. 2 Years
  • ITR Filing: Last 2 Years Required
  • Secured & Unsecured Options
  • Flexible Repayment Schedule

Home Loan (HL)

Purchase, construct or renovate your dream home with affordable loans at the lowest interest rates.

A Home Loan makes owning your dream home a reality. Whether you are buying a ready-to-move property, an under-construction flat or constructing a house on your own plot — we arrange home loans with low EMIs, long tenure and tax benefits. We also assist with Home Loan Balance Transfer to help you shift to a lower interest rate lender and save significantly on interest outgo.

Salaried Self Employed NRI
  • Loan Amount: Up to ₹5 Crore+
  • Tenure: Up to 30 Years
  • Funding: Up to 90% of Property Value
  • Balance Transfer Available
  • Tax Benefit: Section 80C & 24B
  • Construction & Purchase Both

Loan Against Property (LAP)

Unlock the hidden value of your property to get high-value loans at lower interest rates for any purpose.

Loan Against Property (LAP) lets you leverage your residential or commercial property as collateral to access large loan amounts at attractive interest rates — much lower than personal or business loans. Ideal for business expansion, debt consolidation, education or medical emergencies. You continue to occupy and use your property while repaying the loan.

Residential Commercial Industrial
  • Loan Amount: Up to ₹10 Crore+
  • Tenure: Up to 20 Years
  • Funding: Up to 65–70% of Market Value
  • Lower Interest vs. Unsecured Loans
  • Retain Property Ownership & Usage
  • Any Purpose — Business or Personal

Used Car Loan

Get easy affordable finance for your pre-owned vehicle. All makes and models covered with quick approval.

A Used Car Loan helps you purchase your preferred pre-owned vehicle without straining your savings. We work with leading banks and NBFCs who offer financing for used cars across all brands and models. Cars up to 10 years old are eligible and we assist with complete valuation, documentation and loan processing — right from choosing the car to getting the keys!

Salaried Self Employed All Brands
  • Up to 80–90% of Car Value
  • Tenure: 12 – 60 Months
  • Cars Up to 10 Years Old Eligible
  • All Makes & Models Covered
  • Minimal Documentation
  • Quick Approval & Fast Disbursal

New Car Loan

Drive home your dream new car with lowest interest rates, flexible tenure and same-day approval.

A New Car Loan makes it easy to purchase any new car — from hatchbacks and sedans to SUVs and luxury vehicles — with minimum down payment and lowest EMIs. We compare rates from 10+ auto finance lenders to get you the best deal. Same-day approval is possible for eligible applicants with good CIBIL scores, making your dream car purchase quick and stress-free.

Salaried Self Employed All Brands
  • Up to 100% On-Road Funding
  • Tenure: 12 – 84 Months
  • Lowest Interest Rates Available
  • Same Day Approval Possible
  • All Leading Banks & NBFCs
  • All Car Brands — Maruti to BMW

Instant Loan

Get cash in your bank account within hours — 100% digital, no collateral and minimal paperwork.

Instant Loans are designed for urgent financial needs that cannot wait. The entire process — from application to disbursal — happens digitally with minimal documents and no physical visit required. Ideal for medical emergencies, urgent travel, bill payments or any sudden cash requirement. Available to both salaried and self-employed individuals with a decent credit profile.

Salaried Self Employed 100% Digital
  • Amount: ₹10,000 – ₹5 Lakhs
  • Disbursal in 2–24 Hours
  • 100% Digital — No Branch Visit
  • No Collateral Required
  • Flexible Repayment Options
  • Minimal KYC Documentation

Education Loan

Fund higher education in India or abroad — covers tuition, hostel, travel and all study-related expenses.

An Education Loan removes the biggest obstacle between a student and their dream — finance. Whether studying at a top Indian university or pursuing higher education abroad in the USA, UK, Canada or Australia — we arrange education loans that cover all expenses including tuition fees, accommodation, travel, books and more. A moratorium period ensures repayment starts only after course completion.

India Abroad All Courses
  • Loan Amount: Up to ₹1.5 Crore
  • Covers Tuition + All Living Expenses
  • Moratorium — Repay After Course
  • Tax Benefit: Section 80E
  • No Collateral Up to ₹7.5 Lakh
  • India & Abroad Both Covered

Gold Loan

Pledge your gold jewelry and get instant cash — no income proof needed, fastest disbursal, safe storage.

A Gold Loan is the fastest way to get cash against your idle gold jewelry or ornaments. No income proof, no CIBIL check — just pledge your gold and get funds credited within hours. Ideal for urgent financial needs, business working capital or any short-term cash requirement. Your gold remains fully secure in bank lockers and is returned as soon as you repay the loan.

Jewelry Ornaments No CIBIL Check
  • Up to 75% of Gold Market Value
  • Disbursal Within 1–2 Hours
  • No Income Proof Required
  • 18 to 22 Carat Gold Accepted
  • Safe & Secure Bank Locker Storage
  • Flexible Interest Payment Options

OD / CC Loan

Revolving credit facility for businesses to manage working capital, seasonal cash flow and daily operations.

Overdraft (OD) and Cash Credit (CC) are powerful revolving credit facilities designed for businesses. With OD/CC you only pay interest on the amount you actually use — making it a highly cost-effective solution for managing day-to-day working capital, handling seasonal demand spikes, paying suppliers or covering operational gaps. The credit limit is renewed annually and can be backed by property, fixed deposits or book debts.

Business Working Capital Revolving
  • Revolving Credit — Use & Repay Anytime
  • Interest Only on Amount Utilized
  • Against Property / FD / Book Debts
  • Flexible Withdrawal & Repayment
  • Annual Renewal with Easy Terms
  • Ideal for Seasonal Businesses

Government Scheme Loans

PM Mudra, PMEGP, SVANidhi, MSME and subsidy-linked loans for small businesses and new entrepreneurs.

Government Scheme Loans are specially designed for small business owners, startups and entrepreneurs who need financial support at subsidized interest rates. PM Mudra Loan (Shishu, Kishor, Tarun), PMEGP subsidy scheme, PM SVANidhi for street vendors and MSME loans are some of the key schemes we assist with. We handle complete application, documentation and follow-up with banks for faster approval.

PM Mudra PMEGP SVANidhi
  • PM Mudra Loan: Up to ₹10 Lakh
  • PMEGP: Subsidy Up to 35%
  • SVANidhi: Street Vendor Loan
  • MSME / Udyam Registered Eligible
  • Low/NIL Collateral Required
  • Complete Documentation Support
Personal Loan
Business Loan
Home Loan
LAP
Used Car Loan
New Car Loan
Instant Loan
Education Loan
Gold Loan
OD/CC Loan
Govt Scheme
Personal Loan
Business Loan
Home Loan
LAP
Used Car Loan
New Car Loan
Instant Loan
Education Loan
Gold Loan
OD/CC Loan
Govt Scheme
Who Can Apply

Loan Eligibility Criteria

Basic eligibility requirements — our experts will guide you through the complete process for free

Salaried Individuals

  • Age: 21 – 60 Years
  • Minimum Salary: ₹15,000/month
  • Employment: Min. 6–12 Months
  • Good CIBIL Score (700+)
  • Valid KYC Documents

Self Employed / Business

  • Age: 21 – 65 Years
  • Business Vintage: 2+ Years
  • ITR Filing for Last 2 Years
  • Good CIBIL Score (650+)
  • Business Registration Proof

Govt Scheme Eligibility

  • Indian Citizen 18+ Years
  • New or Existing Business
  • Udyam / MSME Registration
  • No Prior Default History
  • Aadhaar & PAN Required

CIBIL Score Guide

  • 750+ — Excellent (Best Rates)
  • 700–750 — Good (Easy Approval)
  • 650–700 — Fair (Some Options)
  • Below 650 — We Help Improve!
  • Free CIBIL Check Available
What You Need

Documents Required

Minimal documentation — we guide you at every step to make the process smooth and fast

Identity Proof

Aadhaar Card, PAN Card, Passport, Voter ID or Driving License

Address Proof

Aadhaar Card, Utility Bill, Rent Agreement or Bank Passbook

Income Proof

Salary Slips, ITR, Bank Statement (last 6 months), Form 16

Photographs

Recent passport-size photographs of applicant and co-applicant

Business Proof

GST Certificate, Udyam Registration, Business License or MOA/AOA

Bank Statement

Last 6–12 months bank statement of primary salary or business account

Property Docs

For Home Loan / LAP — Sale Deed, Registry, Property Tax Receipt

Vehicle Docs

For Car Loan — RC Book, Insurance Copy, Dealer Quotation

Not sure which documents you need? Contact us — our experts will guide you for free!

Get Document Checklist
Simple Process

How to Apply for a Loan

Get your loan approved in just 4 simple steps — fast, easy and completely guided by our experts

1
Free Consultation

Call or fill the enquiry form. Our loan expert contacts you within hours with the best loan options for your needs.

2
Submit Documents

Share minimal required documents. We verify and prepare your complete loan file for bank submission.

3
Bank Processing

We submit your file to the best-matched lender, follow up aggressively and keep you updated at every stage.

4
Loan Disbursed!

Loan approved and amount credited directly to your bank account — fast, transparent and completely hassle-free!

Why Choose Us

Why Get Your Loan from OM SAI RAM?

Best Interest Rates

We work with 20+ banks and NBFCs to get you the lowest interest rates and best loan terms available in the market — saving you lakhs over your loan tenure.

Fastest Approval & Disbursal

Our experienced team ensures the fastest possible processing. We follow up with lenders daily so your loan gets disbursed in minimum time without delays.

Minimal Documentation

We handle all paperwork and documentation on your behalf — you just provide basic documents and sit back while we do the rest to get your loan approved.

100% Secure & Transparent

No hidden charges, no fake promises, no surprise fees — complete transparency at every single step of your loan journey. Your data is fully secure with us.

Dedicated Personal Loan Advisor

A dedicated loan advisor is personally assigned to your case who guides you from application to final disbursal and remains available even after for any support.

Why Choose OM SAI RAM
Common Questions

Loan FAQs

What is the minimum CIBIL score required for a loan?
Generally a CIBIL score of 700+ is preferred for personal and business loans. However, requirements vary by loan type and lender. Gold Loan and Govt Scheme Loans can be approved with lower scores too. We also help clients improve their CIBIL score before applying for better approval chances and lower interest rates.
How long does loan approval and disbursal take?
Instant Loans disburse in 2–24 hours. Personal and Business Loans are approved in 2–5 working days. Home Loans and LAP may take 7–15 working days due to property valuation and legal verification. Our team follows up daily to ensure the fastest possible timeline for every case.
Do you charge any fees for loan assistance?
Our initial consultation and loan guidance is completely free of charge. Any applicable processing or login fees are charged directly by the bank or NBFC — we maintain full transparency about all charges before you apply so there are no surprises whatsoever.
Can I get a loan with a low or bad CIBIL score?
Yes, in certain cases. Gold Loan requires no CIBIL check. Govt Scheme Loans and secured loans like LAP can be approved even with a lower CIBIL score. We also provide free CIBIL improvement guidance to help you qualify for better loan options in the near future.
Which banks and NBFCs do you work with?
We work with 20+ leading banks and NBFCs including SBI, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra, PNB, Bank of Baroda, Bajaj Finserv, Shriram Finance, Manappuram Finance, Muthoot Finance, Tata Capital and many more — ensuring you always get the best rates and fastest approval.
What is the difference between OD and CC loan?
Overdraft (OD) is linked to your existing bank account allowing withdrawals beyond your account balance up to a sanctioned limit. Cash Credit (CC) is a separate standalone account primarily for business working capital. Both are revolving credit facilities where interest is charged only on the amount actually utilized — making them highly cost-effective for businesses.
What is PM Mudra Loan and who can apply?
PM Mudra (Pradhan Mantri Mudra Yojana) is a government scheme offering loans up to ₹10 Lakh to small business owners, shopkeepers, artisans and micro enterprises. It has three categories — Shishu (up to ₹50,000), Kishor (₹50,000–₹5 Lakh) and Tarun (₹5–10 Lakh). No collateral required. We handle complete documentation and bank submission for you.
Can I apply for a loan for education abroad?
Yes! We arrange education loans for higher studies in popular destinations including USA, UK, Canada, Australia, Germany and more. The loan covers tuition fees, accommodation, travel, books and living expenses. No collateral is required for loan amounts up to ₹7.5 Lakh and repayment starts only after course completion plus a grace period.
Free Loan Consultation

Ready to Apply for Your Loan?

Get free expert guidance, best interest rates and fastest approval — call us or fill the enquiry form today!