Loan Services in Jaipur: Home, Business, Personal, LAP and Solar Loans
A well-prepared file makes a lender’s decision easier. Agar & Co. helps individuals, professionals and businesses assess eligibility, prepare financial documents and present loan applications to banks and financial institutions.
What we do
We are Chartered Accountants, and our role is to make sure that your financial position is presented accurately and completely. That includes:
- Eligibility assessment – an indication of the loan size and structure that your income, books and existing obligations can support.
- Financial documentation – computation of income, financial statements, net-worth statements, stock and debtor statements, projections and CMA data.
- Project reports – for new projects, expansions and machinery finance.
- Application support – preparing the file and coordinating with the lender on your behalf, where you authorise us.
- After sanction – stock statements, renewals, enhancement proposals and the yearly review documents lenders ask for.
Loans we assist with
| Loan | Suited to | What lenders usually examine |
|---|---|---|
| Home loan | Purchase or construction of a house or flat, plot purchase, renovation | Income proof and tax returns, credit history, property title and valuation |
| Personal loan | Salaried individuals and some self-employed persons | Income, existing EMIs, credit score |
| Professional loan | Doctors, Chartered Accountants, architects, lawyers and other professionals setting up or expanding a practice | Professional qualification and registration, income tax returns, net worth |
| Business loan / term loan | Expansion, machinery, equipment and premises | Financial statements, projections, cash flow, project report |
| Business overdraft (OD) | Short-term funding needs, often secured against a fixed deposit, property or other security | Turnover and banking behaviour, security offered |
| Business CC (cash credit) limit | Working capital for traders and manufacturers | Stock and debtors, drawing power, CMA data, periodic stock statements |
| Loan against property (LAP) | Funds for business or personal needs against residential or commercial property | Title documents, valuation, legal search, repayment capacity |
| Solar loan | Rooftop solar for homes, businesses and industrial units | Project cost, vendor quotation, income and repayment capacity, subsidy where available |
We also assist with machinery and equipment finance, MSME term loans, Mudra loans, bill discounting and government-linked credit. See our page on Rajasthan government subsidy and credit schemes.
Documents commonly required
Individuals and professionals: PAN and Aadhaar, address proof, income tax returns and computation for the last two to three years, salary slips or professional income statements, bank statements for the last six to twelve months, and details of existing loans.
Businesses: the above for the proprietor, partners or directors, plus financial statements, GST returns, bank statements, Udyam registration, partnership deed or incorporation documents, stock and debtor statements, and projections for new limits.
Property-based loans: title deeds, chain of documents, approved plan, tax receipts and other property papers as the lender specifies.
How it works
- Speak to us – a short call to understand the requirement. You can book a 15-minute call.
- Review – we study your documents and indicate the amount and structure that appear workable.
- Prepare – we put the file together, including the project report and CMA data where needed.
- Submit and follow up – the file is presented to suitable lenders and we coordinate until a decision is received.
- Comply – we support the post-sanction reporting and renewals.
Important information
Agar & Co. is a firm of Chartered Accountants. We are not a bank, a non-banking finance company or a lending institution, and we do not sanction or disburse loans. The decision on any loan, and its interest rate, fees, security and tenure, rests entirely with the lender. We do not promise approval, a particular rate or a particular timeline. Our fees are for our professional services and are agreed with you in advance.
Frequently asked questions
Do you give loans?
No. We help you prepare and present the application. The loan is sanctioned and disbursed by the bank or financial institution of your choice.
Can you guarantee approval or the lowest interest rate?
No one can, honestly. What we can do is make sure your financial profile is presented accurately and that the application meets the lender’s requirements, which improves the quality of the file.
What is the difference between an overdraft and a cash credit limit?
Generally, an overdraft is a revolving facility against security such as a fixed deposit or property, while a cash credit limit is a working-capital facility for trading or manufacturing businesses, secured by stock and receivables, where the amount you can draw depends on the value of the stock and debtors reported. Interest in both cases is charged on the amount used. The exact terms depend on the lender.
Is a CMA report or a project report necessary?
For larger working-capital limits, term loans and new projects, lenders commonly ask for CMA data, projected financial statements and a project report. We prepare these.
Can a solar loan be combined with a government subsidy?
For eligible rooftop solar installations there may be a central subsidy, which is released as per the scheme’s process. See our subsidy schemes page and speak to us about the structure.
Do you help clients outside Jaipur?
Yes. Documentation is done online, and we coordinate with lenders across India.
Agar & Co. is a firm of Chartered Accountants and is not a bank, an NBFC or a lender. Nothing on this page is an offer of credit or a guarantee of loan approval. Loan sanction, interest rates, fees, security and tenure are at the sole discretion of the lender and are subject to its policies.