Loans Processed
Loan Types
Fast Approval
Transparent Process
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.
Need help choosing the right loan? Call us for free expert guidance — fast response, no hidden charges!
Call for Free Loan AdviceAll 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.
- 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.
- 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.
- 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.
- 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!
- 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.
- 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.
- 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.
- 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.
- 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.
- 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 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
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
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 ChecklistHow to Apply for a Loan
Get your loan approved in just 4 simple steps — fast, easy and completely guided by our experts
Free Consultation
Call or fill the enquiry form. Our loan expert contacts you within hours with the best loan options for your needs.
Submit Documents
Share minimal required documents. We verify and prepare your complete loan file for bank submission.
Bank Processing
We submit your file to the best-matched lender, follow up aggressively and keep you updated at every stage.
Loan Disbursed!
Loan approved and amount credited directly to your bank account — fast, transparent and completely hassle-free!
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.
Loan FAQs
Ready to Apply for Your Loan?
Get free expert guidance, best interest rates and fastest approval — call us or fill the enquiry form today!