Commercial & Home Loan Advisory Services across 20+ Banks

Home loans through Ziloxis' 20+ empanelled bank panel currently start at 6.85%* (SBI + Bank of Baroda for salaried, credit-score 780+, LTV ≤ 75%). Actual rate depends on 4 underwriting inputs: repo linkage vs MCLR, borrower profile (salaried / self-employed), ticket size and LTV bracket. The Ziloxis loan desk shares a comparative shortlist of the top 3 lenders — with all-in cost (rate + fees + insurance) — within 4 hours of the enquiry.

No — the first Ziloxis application is zero processing fee to the borrower. Ziloxis earns only the DSA (Direct Selling Agent) commission that the bank / NBFC pays post-disbursement. This is disclosed upfront in the engagement letter — no hidden broker fees, no undisclosed insurance bundling.

For salaried borrowers with clean credit and standard income proof: shortlist in 4 hrs, docs collected in 24 hrs, sanction letter in 5-7 working days, disbursement T+3 from sanction. For self-employed / ITR-based applications: sanction in 7-12 working days depending on ITR complexity and bank underwriting cycle.

20+ lenders: HDFC Bank, State Bank of India, ICICI Bank, Axis Bank, Kotak Mahindra, Bajaj Finserv, L&T Finance, Tata Capital, Aditya Birla Finance, PNB Housing Finance, IIFL Finance, Yes Bank, LIC Housing Finance, Bank of Baroda, Punjab National Bank, IDFC First Bank, Indian Bank and 6 more. Panel is refreshed quarterly based on approval rate + rate competitiveness.

Yes — unsecured business loans up to ₹75 lakh are available for MSMEs with 3+ years of GST returns, positive bank statements and a stable current-account turnover of ₹50 L+ p.a. Rates start at 10.5%* p.a. with tenors up to 5 years. Loans above ₹75 L typically require collateral or CGTMSE cover — Ziloxis handles the CGTMSE application end-to-end.

Ziloxis' balance transfer desk audits your current home-loan schedule (rate, balance, tenor) against the current best-fit offer on our panel and hands you a savings report with the exact 5-year rupee benefit. Typical net rate cut: 1-2 percentage points, unlocking ₹4-8 lakh of interest savings on a ₹50 L loan. Top-up is bundled into the same disbursement so it doesn't need a separate personal-loan application.

Salaried: PAN, Aadhaar, last 3 months' salary slips, last 6 months' bank statement, latest Form 16, employment offer letter (if <2 years at current employer), property agreement to sale, RERA registration certificate. Self-employed: PAN, Aadhaar, last 2 years' ITR + computation + P&L + balance sheet, last 12 months' bank statement (current + personal), GST returns (if applicable), business proof and the property paperwork. All uploads are e-KYC digital — no branch visits for 89% of salaried cases.