Got questions? We have answers. Find everything you need to know about our loans, insurance products, and how we work.
Most banks prefer a CIBIL score of 700 or above for home loans. However, we work with multiple lenders and can sometimes get approvals for scores between 650–700 depending on other factors like income and property value.
With Bhaarat Capital, most home loans are approved within 7–10 working days. Personal loans can be disbursed within 24 hours. We apply to multiple banks simultaneously to speed up the process.
Absolutely not. Our consultation is completely free of charge. We earn from our banking partners, not from you. There are no hidden fees or charges at any stage of the process.
Yes, absolutely. We have excellent options for self-employed individuals and business owners. You will need to provide ITR for the last 2–3 years, bank statements, and business registration documents. We will guide you through everything.
A balance transfer allows you to move your existing high-interest loan to a lender offering a lower rate. If your current home loan rate is above 8.5%, a balance transfer could save you lakhs over the remaining tenure. We offer free balance transfer analysis.
For a personal loan, you typically need: Aadhaar card, PAN card, last 3 months' salary slips, 6 months' bank statements, and address proof. Our team will guide you on any additional documents required by your specific lender.
An individual plan covers one person with a dedicated sum insured. A family floater plan covers your entire family (typically 2 adults + 2 children) under one shared sum insured, which is usually more cost-effective for families.
OD (Own Damage) covers damage to your own vehicle due to accidents, fire, or natural calamities. 3rd Party Property cover protects you against legal liability if your vehicle damages another person's property. Together they form comprehensive motor insurance.
A general rule of thumb is 10–15 times your annual income. For example, if you earn ₹8 Lakh per year, a ₹1 Crore term plan is a good starting point. Our advisors will help you calculate the exact coverage based on your liabilities and family needs.
Corporate insurance protects businesses and their employees. It includes Group Health Insurance, commercial vehicle insurance, fire and property insurance, and liability coverage. Any business with employees or physical assets should consider corporate insurance.