Personal & Business Loan Advisory India | Helmsman Financial Services

Loans That Fit Your Life, Not the Other Way Around

Personalized loan solutions to meet your financial goals—be it a dream home, business growth, or education.

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Responsible Borrowing

We help you borrow within your means and only when necessary. Loans are a tool—not a trap. We analyze:

EMI-to-income ratio
Future cash flow planning
Asset-liability alignment

Our goal is to ensure the loan adds value to your financial journey.

Risks & Considerations

Over-leveraging

Taking on more debt than manageable

Fluctuating Interest Rates

Especially on floating rate loans

Credit Score Impact

Missed payments can affect your creditworthiness

Hidden Charges

Some lenders may levy processing or foreclosure fees

At Helmsman Financial Services, we offer comprehensive guidance across a wide range of loan products :

Home Loans

For new purchases, construction, or balance transfers

Loan Against Property (LAP)

Unlock the value of your property for business or personal needs

Business Loans

Fuel your business with term loans, working capital, or project-based lending

Personal Loans

Quick funds for short-term needs, with transparent terms.

Loan Against Securities

Leverage your investments in shares, mutual funds, fixed deposits or bonds to access short-term funding without liquidating your portfolio

Education Loans

Tailored for higher education in India and abroad

Investment Strategy

Monthly savings plan via SIPs or lump sums aligned with your timeline.

Loan Guidance

Help you compare home loans, understand EMI burdens, and optimize tax savings.

Why Choose Our Loan Services?

Wide Lender Network – We have tie-ups with leading banks, NBFCs, and fintech lenders to offer you competitive interest rates and flexible terms.
Customized Structuring – We understand your financials and recommend loan structures that optimize EMI outflows and tax benefits.
End-to-End Support – From eligibility checks and application to documentation and sanction, we walk with you at every step.
No Hidden Charges – Transparency is at the heart of our advisory.

Who Should Consider This ?

Individuals looking to purchase or build a home
Professionals needing funds for business expansion
Families planning for education or major life events
Anyone seeking clarity and support in navigating India’s loan landscape

Client-First Approach

We guide, not push products

Multi-Lender Access

A single window to many lenders

Ethical Practices

No hidden agenda, full transparency

Financial Planning Synergy

Loans recommended in sync with your larger goals

Our Process

Understanding Your Need – Purpose of the loan, urgency, and repayment comfort
Eligibility Assessment – Based on your income, credit profile, and asset base
Lender Comparison – Interest rates, processing fees, prepayment terms
Document Preparation – Guidance on paperwork and submission
Application & Negotiation – We liaise with lenders to optimize terms
Disbursement & Post-Support – Ensuring a smooth, timely release of funds

"Let your goals set sail—with the right financing at the helm."

Book Your Loan Advisory Session Now

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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.

AMFI Registered Mutual Fund Distributor – ARN-305923 | Date of initial registration – August 31, 2024 | Current validity of ARN – August 27, 2027

Grievance Officer- Mr. Purnank Chandrakant Patel | info@helmsmanfinserv.com