Everything you need to know before borrowing.
Explore comprehensive answers to questions regarding underwriting rules, processing fees, documentation, and data privacy across our 70+ lending partners.
Rather than lending directly, RawaniGrow acts as your institutional financial advisor. We compare live rates across 70+ partnered banks and NBFCs, structure your application for maximum sanction probability, manage the entire documentation chain, and stay with you through sanction and final disbursal.
No. RawaniGrow does not charge any upfront advisory or processing fees from loan applicants. Our advisory services are 100% free for borrowers; we receive our compensation directly from the lending institution upon successful loan execution.
Never. Every credit score fetch or lender application requires explicit opt-in consent from you. We adhere strictly to the Digital Personal Data Protection (DPDP) Act and RBI digital lending guidelines. Login credentials and sensitive banking passwords are never requested or stored.
We actively compare offerings across more than 95 institutional lending partners, including top public sector banks (SBI, PNB, Bank of Baroda), premier private banks (HDFC, ICICI, Axis, Kotak), and specialized housing finance companies (HFCs) and NBFCs.
In-principle approvals are generated within 24 to 48 hours. The final disbursement depends on legal and technical vetting of the target property, which typically takes 5 to 7 business days with our dedicated doorstep legal facilitation.
Yes, our Home Loan Balance Transfer facility allows you to refinance an existing high-rate mortgage to our lowest partner rates (from 8.50% p.a.), often saving lakhs in interest and providing an additional top-up loan.
Personal loans are 100% paperless for most salaried profiles. Once digital KYC and bank verification are completed, funds are disbursed within 24 hours directly into your bank account.
Yes, as long as your Fixed Obligation to Income Ratio (FOIR) remains within 40% to 50% of your net monthly earnings. Our team can help you consolidate multiple active loans into a single lower-interest loan.
Yes, select leading banks offer 100% on-road funding for preferred customer profiles and specific vehicle brands. For other profiles, standard funding ranges from 85% to 90% of the ex-showroom value.
No. Checking eligibility on RawaniGrow involves a soft inquiry that does not impact your credit score at all. Only when you choose a specific lender and submit an official final application does the lender perform a standard single hard bureau check.