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PaisaArrangers.com

(A unit of Nimiety Advisory Services Private Limited)

Your Dreams. Our Advice.

Deals in all kinds of financial products

Your personal Financial Advisor

Associated with all the leading banks, NBFC's, and Financial Institutions

Life Time Assistance

About the Company

The foundation of PaisaArrangers, a Unit of Nimiety Advisory Service Private Limited was laid down in the year 2013.

We are a loan syndication company, with its dedicated, smart and seasoned professionals, who are successfully engaged in understanding and fulfilling the financial requirements of our clients.

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Why Paisaarrangers

We help our clients to get the funds at the earliest with the minimum interest cost, saving their time, money and resources
We guide the client about which bank or NBFCs/FIs can cater to their needs as per their profile, property and financials.
We are the first company in the country who is known for servicing the client till the end of loan tenure (Life Time Assistance)
We act as the financial advisor for the clients even after the loan process is done.
We advise them how we can save the loan interest and how we can re-pay the loan in minimum possible time by using our knowledge, experience and tools.
Our company also advice the clients to make their best balance sheet viable to get the future loan requirements of their company at the minimal rate of interest. So in this way we are helping the company to reduce their interest cost in the future and make their business profitable.

The Three Wings In Our Logo Represents
The Stratergy Of Our Company

1

Understanding Needs

We talk to our clients and comprehend which loan they need and which product can cater to their needs at minimum financial expenses.
2

Devising the Strategy

As we are associated with all the leading banks and NBFCs/FI of the country, we guide the client on which banks and NBFCs/FI can cater to their needs as per their profile, property and financials. We also advise our clients to avoid any future problem as people are not aware of the hidden charges and terms and conditions in the loan agreement.
3

Perfect Execution

After they get their desired loan with minimum interest cost, we advise the client how they can repay their loan in the minimum possible time by using our expertise, experience and tools.

3215+

Happy Clients

200crore+

Loan Amount Disbursed

90+

Associated with all leading banks

Our Blogs
Best time to own a house: COVID-19

Best time to own a house: COVID-19

Opportunities dont come knocking on your door very often. However, when they do, youve got to be ready to optimize it ...

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Why Bullet Payments are necessary in Loans?

Why Bullet Payments are necessary in Loans?

Bullet Payments refers to paying an amount of money more than the actual EMI of the loan, which will lead to fewer EMIs ...

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MSME- 1 lakh Crore Disbursement

MSME- 1 lakh Crore Disbursement

MSME loans are business loans offered to the MSMEs (Micro, Small and Medium enterprises) or to the SMEs (Small and Mediu...

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Frequently Asked Questions

What are the problems people are facing while applying a loan and how PaisaArrangers is making it easy?

Problems people face:

  • Knowing the right bank or financial institution which will cater their needs
  • Non- awareness of charges associated with this process
  • Lack of negotiation skills on rate of interest part and other associated charges applicable in future also.
  • Not knowing the best alternative bank options
  • Understanding the hidden terms and conditions in the bank loan agreement while taking the loan.

How we are solving peoples problems:

As we are associated with all the leading banks and NBFCs of the country and with the experience of 17 years we advise the customers what deal is the best and which bank will cater their needs in the least possible time and in best rates.

What is the UNIQUENESS in the business model of PaisaArrangers?

We are the first company in the country who is known for servicing the client till the end of loan tenure. We act as the financial advisor for the clients even after the loan process is done; we advise them how we can save the loan interest and how we can re-pay the loan in minimum possible time by using our knowledge, experience and tools. Our company also advice the clients to make their best balance sheet viable to get the future loan requirements of their company at the minimal rate of interest. So in this way we are helping the company to reduce their interest cost in the future and make their business profitable.

Will I get a loan if I get my salary in cash?

At this point in time, we only give loans to those individuals who get their salary via bank transfer – directly from their employer. We will not be able to give loans to those individuals who get their salaries in cash.

What is an EMI?

You repay the loan in Equated Monthly Instalments (EMIs) comprising both principal and interest. Repayment by way of EMI starts from the month following the month in which you take full disbursement.

How can I calculate my EMI amount?

To find out your EMI amount, use our EMI calculator. Simply select the “TOOLS” option from the menu on the website. Select the Loan Type from the dropdown list and select your Loan Amount, Interest Rate and Tenure. You will get to know your EMI instantly.

What are the different interest rate options offered by banks?

Banks generally offer either of the following loan options: Floating Rate Home Loans and Fixed Rate Home Loans. For a Fixed Rate Loan, the rate of interest is fixed either for the entire tenure of the loan or a certain part of the tenure of the loan. In case of a pure fixed loan, the EMI due to the bank remains constant. If a bank offers a Loan which is fixed only for a certain period of the tenure of the loan, please try to elicit information from the bank whether the rates may be raised after the period (reset clause). You may try to negotiate a lock-in that should include the rate that you have agreed upon initially and the period the lock-in lasts.

Hence, the EMI of a fixed rate loan is known in advance. This is the cash outflow that can be planned for at the outset of the loan. If the inflation and the interest rate in the economy move up over the years, a fixed EMI is attractively stagnant and is easier to plan for. However, if you have fixed EMI, any reduction in interest rates in the market, will not benefit you.

Determinants of floating rate:

The EMI of a floating rate loan changes with changes in market interest rates. If market rates increase, your repayment increases. When rates fall, your dues also fall. The floating interest rate is made up of two parts: the index and the spread. The index is a measure of interest rates generally (based on say, government securities prices), and the spread is an extra amount that the banker adds to cover credit risk, profit mark-up etc. The amount of the spread may differ from one lender to another, but it is usually constant over the life of the loan. If the index rate moves up, so does your interest rate in most circumstances and you will have to pay a higher EMI. Conversely, if the interest rate moves down, your EMI amount should be lower.

Also, sometimes banks make some adjustments so that your EMI remains constant. In such cases, when a lender increases the floating interest rate, the tenure of the loan is increased (and EMI kept constant).

Some lenders also base their floating rates on their Benchmark Prime Lending Rates (BPLR). You should ask what index will be used for setting the floating rate, how it has generally fluctuated in the past, and where it is published/disclosed. However, the past fluctuation of any index is not a guarantee for its future behaviour.

Flexibility in EMI:

Some banks also offer their customers flexible repayment options. Here the EMIs are unequal. In step-up loans, the EMI is low initially and increases as years roll by (balloon repayment). In step-down loans, EMI is high initially and decreases as years roll by.

Step-up option is convenient for borrowers who are in the beginning of their careers. Step-down loan option is useful for borrowers who are close to their retirement years and currently make good money.

What is monthly reducing balances method?

Borrowers benefit more from a loan that's calculated on a monthly reducing basis than on an annual basis. In case of monthly resets, interest is calculated on the outstanding principal balance for that month. The principal paid is deducted from the opening principal outstanding balance to arrive at the opening principal for the next month and interest is computed on the new, reduced principal outstanding. In case of annual resets, principal paid is adjusted only at the end of the year. Hence, you continue to pay interest on a portion of the principal that has been paid back to the lender.

How does tenure affect cost of loan?

The longer the tenure of the loan, the lesser will be your monthly EMI outflow. Shorter tenures mean greater EMI burden, but your loan is repaid faster. If you have a short-term cash flow mismatch, your bank may increase the tenure of the loan, and your EMI burden comes down. But longer tenures mean payment of larger interest towards the loan and make it more expensive.

Can you repay your loan ahead of schedule? Is pre-payment of loan allowed?

Yes, most banks allow you to repay the loan ahead of schedule by making lump sum payments. However, many banks charge early repayment penalties up to 2-4% of the principal amount outstanding. Prepayment penalty may vary according to the reasons and source of funds - if you obtain a loan from another bank for pre-payment the charges are usually higher than when you pay from your own sources. However, you may credit more than your EMI amount into your loan account on a periodic basis and bring down your interest burden as and when funds are available with you. Most banks do not charge a pre-payment penalty if you deposit more than your EMI payable on a periodic basis. Please check such stipulations while availing the loan.

Do you get a tax benefit on the loan?

Yes. Resident Indians are eligible for certain tax benefits on both principal and interest components of a loan under the Income Tax Act, 1961. Under the current laws, you are entitled to an income tax rebate for interest repayment up to Rs. 1,50,000 /- per annum. Moreover, you can get added tax benefits under Section 80 C on repayment of principal amount up to Rs. 1,00,000 /- per annum.

Our Associations
ICICI BANK
AXIS BANK
IDBI BANK
CAPITAL FIRST LTD
IDFC BANK
INDUSIND BANK
YES BANK LTD
Andromeda
TATA CAPITAL FINANCIAL SERVICES P LTD
HDFC BANK
HDB FINANCIAL SERVICES LTD
DEUTSCHE BANK
UTKARSH SMALL FINANCE BANK
UJIVAN SMALL FINANCE BANK LIMITED
THE KARUR VYSVA BANK LIMITED
SURYODAY SMALL FINANCE BANK
STANDARD CHARTERED
SHRIRAM CITY UNION FINANCE LTD
RELIGARE FINVEST LTD
RBL BANK
PNB HOUSING LTD
NORTH EAST SMALL FINANCE BANK
NEOGROWTH CREDIT PVT LTD
MUTHOOT FINANCE LTD
MAGMA FINCORP LTD
KOTAK BANK
JANA SMALL FINANCE BANK
INDIABULLS CONSUMER FINANCE LIMITED
INDIA INFOLINE FINANCE LTD
HSBC BANK
HERO FINCORP LTD
FULLERTON INDIA CREDIT CO. LTD
FINCARE SMALL FINANCE BANK
FEDERAL BANK
ESAF SMALL FINANCE BANK
EQUITAS SMALL FINANCE BANK
EDELWEISS RETAIL FINANCE LTD
DHANLAXMI BANK
DCB BANK
CITY UNION BANK
CITI BANK
CHOLLAMANDLAM
CAPITAL SMALL FINANCE BANK
BANK OF BARODA
BANDHAN BANK
BAJAJ FINANCE LTD
AU SMALL FINANCE BANK
ADITYA BIRLA FINANCE LTD