Explore suitable loan and financing solutions with expert guidance tailored to your profile — whether you're salaried, self-employed, an entrepreneur or a business owner.
Swastick is a Kolkata-based financial and loan advisory company dedicated to helping individuals and businesses explore suitable financing solutions.
We work closely with a panel of banks and NBFCs to structure and process financing solutions across personal, business, home, mortgage and specialised business finance products.
Our team guides clients through the financing journey — from initial application and documentation to lender processing and disbursement — subject to lender eligibility, assessment and approval.
We focus on understanding each client's income, business profile, cash flow and financial requirements, so that suitable financing options can be explored.
To make the loan and financing process simpler, more transparent and easier to understand for individuals, professionals, self-employed persons and businesses.
To become a trusted financial and loan advisory service in Kolkata and West Bengal by providing professional guidance, transparent communication and customer-focused financing solutions.
Every product is assessed against income, cash flow and repayment capacity before any option is explored with our lending partners.
Unsecured financing for individual needs — from consolidation to major life expenses.
Working capital and growth financing structured around business turnover and cash flow.
Long-tenure financing for purchase or construction, with rates linked to profile and lender.
Leverage owned property to unlock financing across personal or business requirements.
Renewable working capital facility for ongoing operational needs.
Structured individually based on project profile and applicable lender policy.
Finance machinery and equipment purchases with tenure aligned to asset life.
Structured around applicant, property and rental income, per lender policy.
Structured around business profile and inventory requirement, per lender policy.
Figures below are indicative ranges. Your actual rate and tenure depend on profile, documentation and the final lender's assessment.
| Loan Product | Interest Rate (p.a.) | Tenure |
|---|---|---|
| Personal Loan | 10.25% – 16.00% | 1 – 7 Years |
| Business Loan | 15.00% – 22.00% | 1 – 5 Years |
| Home Loan | 7.25% – 15.00% | 1 – 30 Years |
| Loan Against Property | 8.50% – 15.00% | 1 – 20 Years |
| Cash Credit | 8.10% – 12.50% | 12 Months (Renewable) |
| Equipment Loan | 9.00% – 14.00% | 1 – 7 Years |
| Project Loan | Individually structured | Per project profile |
| Loan Against Rent | Individually structured | Per rental income |
| Inventory Purchase Loan | Individually structured | Per business profile |
Interest rates and tenure vary by loan type, applicant profile, credit history, income, security and lender policy. Actual terms are confirmed only in the lender's sanction letter.
Eligibility is assessed on applicant income, cash flow, employment or business profile, credit history, documentation and lender-specific policy.
Enter a few basic details to get an indicative result. Final approval and terms are subject to lender assessment.
We'll give you a quick profile-based indication based on the information you provide.
Exact requirements vary by loan type, applicant profile and lender — this is the general checklist to start with.
Adjust the loan amount, rate and tenure to see an indicative EMI breakdown.
Tell us about your loan requirement and financial profile.
Our team reviews the basic information and understands the financing requirement.
Eligible financing options can be explored based on your profile.
Required documents are collected according to loan type and lender.
The application is processed with the applicable lender, subject to consent and requirements.
Final approval and disbursement are made by the concerned lender after its own assessment.
From personal loans to project and equipment finance.
Assessed according to income, cash flow and repayment capacity.
A panel of banks and NBFCs to explore suitable options.
From application and documentation through processing and disbursement.
Locally accessible and personalised service.
Clear communication on terms, documentation, charges and requirements.
Swastick provides advisory and processing assistance across personal, business, home, loan against property, cash credit, project, equipment, loan against rent and inventory purchase financing, subject to lender eligibility.
The indicated minimum loan amount is ₹5 Lakh. Actual sanction depends on applicant profile and lender assessment.
There is no fixed upper limit stated for the advisory offering. Actual sanction amount depends on income, cash flow, property, business profile and lender eligibility.
Yes. Eligible self-employed and business applicants may explore applicable financing options subject to lender criteria.
Documents depend on the loan type and applicant profile — see the Required Documents section above for a general checklist.
Processing time varies by loan type, lender, documentation, verification and applicant profile.
No. Loan approval is not guaranteed. The final decision is made by the concerned lender after its assessment and verification.
Interest rates vary according to loan type, applicant profile, credit history, income, business financials, security and lender policy.
Share a few details and our team will review your enquiry and reach out regarding the next steps, subject to applicable eligibility and lender criteria.
to explore and structure suitable financing options for eligible customers. Partner names and logos are displayed only after the underlying business relationship is confirmed and authorised.
SWASTICK Financial & Loan Advisory Services provides financial and loan advisory / facilitation services and assists customers in exploring financing options. Loan approval, interest rate, amount, tenure, fees and disbursement are subject to the terms, conditions and independent assessment of the concerned bank / NBFC / lender. Submission of an enquiry does not guarantee approval or disbursement. All figures on this website are indicative and may change without prior notice.
We may collect information such as name, mobile number, email, income / business information and loan requirements when you voluntarily submit an enquiry. This is used for legitimate business purposes — responding to enquiries, evaluating requirements, communicating with you and processing applications where consent has been provided — and is handled securely.
Use of this website and submission of an enquiry means you agree to provide accurate information. Submitting an enquiry does not guarantee approval, sanction or disbursement. All financing decisions are subject to the concerned lender's eligibility criteria, verification, policies and final approval. Website information may be updated from time to time.
Official business and contact information for SWASTICK Financial & Loan Advisory Services.
We help customers explore financing options across banks and NBFCs, subject to lender eligibility, assessment and approval.
Union Bank of India
HDFC Bank
Fullerton India
Indiabulls Home Loan
PNB Housing
RBL Bank
Magma Bank
Parkers
IIFL Finance
SBI
YES Bank
Bank of Baroda
Standard Chartered
UGRO Capital
Logo display is for network/illustrative purposes. Availability of a particular lender or product depends on customer profile, documentation and lender policy.
Find SWASTICK Financial & Loan Advisory Services at our registered office in central Kolkata.
35 C.R Avenue, Ground Floor, Room No 6/3, Kolkata – 700012, West Bengal (Opposite of Khadi Gramodyog Bhawan)
