Straight answers to the questions we get most.

Typically: Aadhaar Card, PAN Card, last 3 months' salary slips (or business income proof if self-employed), a bank statement for the last 3-6 months, and a passport-size photo. A guarantor is mandatory for all Personal Loans. See the full list on our Personal Loan page.

Because we primarily lend our own capital, most loans are disbursed within 24-48 hours of document verification and approval — gold loans are often same-day. This is one of the main reasons people choose us over a bank branch, where head-office approval chains can take days or weeks.

We don't publicly quote interest rates, since your exact rate depends on the loan type, amount, tenure and your documents. We'll confirm your exact rate and every charge with you in writing during your consultation, before you sign anything — never as a surprise afterward.

We're currently focused on Personal, 2 & 3-Wheeler, Gold and Daily Repayment loans. We're not taking LAP applications at this time, but if you have a larger funding need, ask us — we may be able to help facilitate financing through one of our bank or NBFC partners instead.

It depends on the loan amount and what you can offer as security or proof of repayment ability — a Gold Loan, for instance, depends mainly on the gold's value rather than your income. We'll give you a straight answer on eligibility, even when it's no, rather than wasting your time.

It's a small working-capital loan for small amounts only, mainly for shopkeepers and small business owners, repaid in manageable daily amounts instead of one large monthly EMI. A guarantor is mandatory. If you need a larger amount, our Personal Loan with flexible EMIs may suit you better. See our Daily Repayment Loan page for details.

We weigh and check the purity of your gold in front of you and value it per gram based on the current rate for 22K/24K gold. The loan amount is a percentage of that value. The whole process is done transparently at our office, and your gold is kept securely until you repay.

Contact us as early as possible — before the due date if you can see it coming. We'll work with you on a realistic solution. We do not use harassment-style recovery practices, and any late charges are disclosed upfront in your agreement, never sprung on you afterward.

The amount is decided case by case, based on your need, income and documents, and repaid through flexible EMIs structured around what you can manage. A guarantor is mandatory for every Personal Loan, with no exceptions. The same applies to Daily Repayment Loans. Our Gold and 2 & 3-Wheeler Loans don't require a guarantor since the gold or vehicle itself serves as collateral.

Yes. Ask us about foreclosure/prepayment terms for your specific loan before you sign — we'll explain clearly whether any charge applies and how it's calculated, so there are no surprises if you want to close your loan ahead of schedule.

Yes. Your documents and personal information are used only to process your loan and are not shared with anyone outside Saini Finance Co. without your consent.

We're based in Sujanpur and serve all of Pathankot district — including the surrounding villages and towns within about 15-20 km of our office. Mention your village or town when you enquire and we'll confirm whether we can help.