Frequently Asked Questions

No, NRT Easy Loans does not provide loans or insurance policies directly. We are a facilitation and advisory company that coordinates with multiple banks, NBFCs (Non-Banking Financial Companies), and insurance providers. Our role is to help you find the most suitable financial products based on your needs and eligibility, and assist you throughout the application process.

We provide comprehensive assistance including:

• Personalized financial consultation to understand your requirements
• Comparison of loan and insurance options from multiple providers
• Guidance on eligibility criteria and documentation
• Application submission and follow-up with banks and insurers
• Support throughout the approval and disbursement process
• Post-approval assistance and customer support

We assist with various types of loans through our partner banks and NBFCs:

• Home Loans and Mortgage Loans
• Personal Loans
• Business Loans and Working Capital Loans
• Vehicle Loans (Car and Two-Wheeler)
• Education Loans
• Loan Against Property
• Gold Loans

Each loan type has different eligibility criteria, interest rates, and terms based on the lending institution.

The timeline varies depending on the loan type and lender policies. Generally:

• Personal Loans: 2-7 business days
• Home Loans: 15-30 days
• Business Loans: 7-21 days
• Vehicle Loans: 3-10 days

The process can be faster if all documents are complete and accurate. We work diligently to expedite approvals and keep you informed at every stage.

Yes, one of our key advantages is that we work with multiple banks and NBFCs. We analyze your profile and requirements, then submit your application to the most suitable lenders. This increases your chances of approval and helps you secure the best interest rates and terms. We handle the entire coordination process, saving you time and effort.

We provide assistance with various insurance products through our partner insurance companies:

• Life Insurance (Term, Endowment, ULIP, Whole Life)
• Health Insurance (Individual, Family Floater, Senior Citizen)
• Vehicle Insurance (Car, Two-Wheeler, Commercial)
• Home Insurance
• Travel Insurance
• Business Insurance

We help you compare policies, understand coverage details, and choose the most suitable insurance plan.

Yes, we provide comprehensive policy comparison services. Our experts analyze various policies from different insurers based on coverage, premium, claim settlement ratio, exclusions, and customer reviews. We also assist with policy renewals, ensuring you never miss a renewal deadline and helping you switch to better plans if needed. We send timely reminders and handle the renewal process on your behalf.

Yes, we provide claim assistance services. Our team guides you through the claim filing process, helps with documentation, and coordinates with the insurance company to ensure smooth claim settlement. While the final claim approval depends on the insurer's assessment and policy terms, we work to make the process as seamless as possible and keep you informed throughout.

Eligibility criteria vary by loan type and lender, but general requirements include:

• Age: Typically 21-65 years (varies by loan type)
• Income: Stable income source (salaried, self-employed, or business)
• Credit Score: Usually 650 or above (some lenders may have different criteria)
• Employment: Minimum work experience or business vintage
• Residency: Indian citizen or NRI with valid documentation

We assess your profile and recommend the best options even if you have specific constraints.

Common documents required for loan applications include:

• Identity Proof: Aadhaar Card, PAN Card, Passport, Voter ID
• Address Proof: Utility bills, Rental agreement, Aadhaar Card
• Income Proof: Salary slips, Bank statements, ITR, Form 16
• Business Proof (for self-employed): GST returns, Business registration, Financial statements
• Property Documents (for secured loans): Title deed, Sale agreement, NOC
• Photographs: Recent passport-size photos

Specific requirements may vary based on the loan type and lender. We guide you through the exact documentation needed.

While most lenders check CIBIL or credit scores, the requirements vary. A good credit score (750 or above) improves approval chances and can help you get better interest rates. However, if your score is lower, we work with lenders who consider other factors like income stability, collateral, or guarantors. We also provide guidance on improving your credit score for future applications. Some NBFCs offer loans with more flexible credit score requirements.

Our initial consultation and advisory services are typically free of charge. We believe in transparency and will inform you upfront if any service fee applies for specialized assistance. In most cases, we earn our commission from the financial institutions upon successful loan disbursement or policy issuance, so there is no direct cost to you. Any charges, if applicable, will be clearly communicated before you proceed.

We earn commission from our partner banks, NBFCs, and insurance companies when a loan is successfully disbursed or an insurance policy is issued. This is a standard industry practice and does not add any extra cost to your loan or premium. Our commission structure is based on our partnerships with financial institutions, and we maintain complete transparency about our role as facilitators. Our goal is to help you find the best financial product while ensuring a win-win situation for all parties.

Absolutely. We take data security and privacy very seriously. Your personal and financial information is protected using industry-standard security measures and encryption. We share your information only with authorized financial institutions for the purpose of processing your application. We never sell or share your data with third parties for marketing purposes. We comply with all applicable data protection regulations and maintain strict confidentiality protocols. You can trust us to handle your information responsibly.