Frequently Asked Questions.

Finyra Solutions operates as an elite financial consultancy and authorized channel partner for India's top-tier banking institutions (such as HDFC, SBI, and Axis Bank). We do not lend our own capital; instead, we analyze your financial profile and connect you with the optimal institutional lender to secure the best possible rates and terms.

No. Finyra Solutions enforces a strict zero-upfront-fee policy for standard retail and SME loan processing. We do not charge "file logging" fees. Our revenue is primarily generated through institutional payouts from our banking partners upon successful disbursal. Complex corporate restructuring may involve documented advisory fees, which are always agreed upon in writing prior to engagement.

Security is our priority. You can instantly verify any Finyra representative by contacting our central support desk or verifying their official @finyrasolutions.com email address. Never share OTPs, banking passwords, or cash with any representative.

Turnaround Time (TAT) varies based on the facility. Personal and unsecured business loans can often be sanctioned within 48-72 hours. Mortgages and complex corporate facilities involving property valuation, legal checks, and extensive underwriting typically require 7-14 business days.

While exact requirements vary by banking partner, a minimum consumer CIBIL score of 700+ is generally expected for unsecured facilities (like Personal or Business Loans). Certain secured facilities (like Loan Against Property) may offer flexibility for scores between 650-700, provided income metrics and property value are exceptionally strong.

FOIR stands for Fixed Obligation to Income Ratio. It is the percentage of your net monthly income that goes toward paying existing EMIs and obligations. Banks use this to assess repayment capacity. Typically, lenders prefer your total obligations (including the new loan EMI) to remain below 50% to 60% of your net income.