Our motto
Right loan.Right lender.No surprises.
Motto Financial Services compares personal, pension, home, mortgage and Mudra loans across 30+ banks and NBFCs, helps you compare offers, and stays with your file until the money reaches your account.
- Transparent charges
- 30+ banks and NBFCs
- Callback within 24 hours
Estimate your EMI
Indicative. Your final rate depends on the lender and your credit profile.
Loans we arrange
Each comes with one advisor and a document checklist built around current Indian lending rules.
| Loan | Good for | Rates from | Amount | Tenure | Details |
|---|---|---|---|---|---|
| Personal loan | Weddings, medical bills, travel, or paying off costly card debt | 10.50% | ₹1 lakh – ₹30 lakh | 1 – 7 years | |
| Pension loan | Retired central, state and defence pensioners | 10.40% | Up to 18× monthly pension | Up to 6 years | |
| Home loan | Buying, building or renovating, or moving your loan to a lower rate | 7.35% | Up to ₹5 crore | Up to 30 years | |
| Mortgage loanLoan against property | A large sum against a house, shop or plot you already own | 9.25% | Up to 70% of property value | Up to 15 years | |
| Mudra loan | Working capital and expansion for MSMEs, traders and firms | 11.00% | Up to ₹50 lakh | 1 – 7 years |
Starting rates are indicative and move with the RBI repo rate and your credit profile. We quote your actual rate once we have seen your documents.
From first call to money in your account
Tell us what you need
A 10-minute call about the loan, the amount, your income and any EMIs you already pay.
We shortlist lenders
We check your profile against 30+ banks and NBFCs and pick those likely to approve you at the best rate.
You compare offers side by side
Rate, processing fee, tenure and prepayment terms, side by side. You choose.
We see it through
We prepare the file, arrange valuation and follow up with the bank until the money is in your account.
What we promise every borrower
Our name is a reminder to ourselves. These are the lines we don’t cross.
Lenders compete for your loan
We compare what several banks and NBFCs will offer someone with your profile, so you choose from real options instead of settling for the first one.
Fewer hits on your credit report
We shortlist lenders before anyone applies, so your application only goes to banks likely to approve it.
Complete cost transparency
All applicable charges and terms will be clearly communicated before proceeding. Processing fees, insurance add-ons and foreclosure charges will be available to you as per bank or NBFC policy before you sign.
One advisor, first call to disbursal
The person who takes your first call stays on your file until the money is in your account.
Banks and NBFCs we work with
Public-sector and private banks plus leading NBFCs, so lenders compete for your loan instead of you settling for the first offer.
Borrowers we’ve helped
I needed funds for my daughter’s wedding at short notice. Motto compared offers from four banks and got me a rate almost 2% lower than my own bank quoted. The money came in five working days.
As a retired teacher I thought no bank would lend to me. They knew exactly which pension scheme suited me and handled the PPO paperwork with my branch. Truly respectful service.
I moved my home loan through them and will save over ₹6 lakh in interest across the tenure. They coordinated the legal and valuation checks and kept me updated at every step.
Questions people ask us
Can’t find yours? Call us and ask. There’s no obligation.
What do you charge?
We charge a service fee for arranging your loan. It depends on the loan and is clearly communicated to you before we proceed. The lender’s own charges, such as processing fees, insurance and foreclosure charges, are separate and set by the bank or NBFC.
Are you a bank?
No. Motto Financial Services is a loan advisor and Direct Selling Agent (DSA). The bank or NBFC lends to you, sets the final rate and decides whether to approve the loan.
Will talking to you affect my CIBIL score?
No. A conversation with us doesn’t touch your credit report. A lender checks your credit only when you apply, and we send your application only to lenders likely to approve it.
How long does it take?
Personal loans are often disbursed in 3 to 7 working days once documents are complete. Home and mortgage loans take 2 to 4 weeks because the bank values the property and checks its title.
My CIBIL score is low. Can you still help?
Often, yes. Some lenders accept lower scores with a co-applicant, security, or a smaller amount. We’ll tell you plainly what is realistic before you apply.
What documents will I need?
It depends on the loan, and each loan page lists them. Almost every loan needs PAN, Aadhaar, income proof and recent bank statements.
Get a callback
Leave your number. An advisor will call within 24 hours with the loan and lenders that fit you.