Access the right credit at the right cost from the right lender — home loans, business credit, structured financing, and balance transfers. Lender-neutral advisory that works for you, not the bank.
Most financial advice treats debt as something to be avoided. The reality is more nuanced: the right debt, at the right cost, for the right purpose, can meaningfully accelerate wealth creation. A home loan at 8.5% allowing you to buy a property that appreciates at 10–12% annually creates real wealth. Using debt to fund consumption does not.
Our loan advisory is built on a simple but powerful principle: we are lender-neutral. Unlike banks, DSAs (Direct Selling Agents), and loan comparison portals who earn commissions from lenders, our fee is paid by you — ensuring every recommendation is made in your interest, not the lender's.
We help you navigate India's complex credit landscape — identifying the best lenders for your profile, negotiating terms, structuring the loan optimally for tax efficiency, and integrating it with your complete wealth strategy. From a ₹50L home loan to a ₹10 Cr structured facility, our advisory covers the full spectrum of credit needs for HNI clients and business owners.
Banks, DSAs, and loan aggregators earn commissions from lenders — incentivising them to push loans and lenders that pay more. Our fee comes from you, eliminating this conflict entirely. We recommend the best lender for your situation, not the highest-paying one.
HNI clients with strong credit profiles have significant negotiating power with lenders — but most never exercise it. We negotiate directly with relationship managers at 5–10 banks simultaneously, creating competitive tension that results in materially better rates and terms.
The headline interest rate is only one part of the cost. Processing fees, prepayment penalties, insurance requirements, and rate reset clauses all affect the true cost. We calculate and compare the total cost of borrowing across lenders before recommending.
Home loans (80C and 24B deductions), business loans (interest as deductible expense), and LAP against rental properties all have significant tax implications. We advise on structuring loans for maximum tax efficiency alongside your overall tax planning.
Existing loans often have suboptimal rates, especially for borrowers who took loans 3–5 years ago when rates were higher. We identify balance transfer and refinancing opportunities that can save lakhs in interest over the remaining tenure.
From home loans to structured financing — we advise across the complete credit spectrum for HNI clients, professionals, and business owners.
Advisory on home loans for purchase, under-construction properties, plot+construction, and home renovation. We compare across 15+ banks and HFCs — negotiating rates, tenure, and processing fees on your behalf. Also covers NRI home loans.
Unlock liquidity from owned property without selling — for business expansion, working capital, debt consolidation, or personal large-ticket needs. Higher loan amounts vs. home loans, flexible end-use, and typically 50–65% of property value.
Business term loans, working capital loans, cash credit facilities, and overdraft accounts for self-employed professionals and business owners. We identify the right lender, structure, and collateral arrangement for your business's credit requirements.
Pledge listed equity shares, mutual fund units, ETFs, and SGBs as collateral for an overdraft facility — without selling your portfolio. Ideal for short-term capital needs where portfolio liquidation would be tax-inefficient or disruptive.
Pre-approved overdraft facilities for professionals (doctors, CAs, lawyers), salaried HNIs, and business owners — providing revolving credit at competitive rates with interest charged only on the amount drawn. More flexible than term loans for irregular cash flow needs.
Transfer your existing home loan, LAP, or business loan to a lender offering better rates — saving lakhs in interest over the remaining tenure. Also covers top-up loans on existing home loans and restructuring high-cost debt into lower-cost instruments.
Standard retail loan products serve most needs — but for HNI clients, business owners, and investors with complex financial situations, standard products often don't fit. This is where structured financing advisory adds significant value.
Structured financing involves designing a bespoke credit arrangement that combines multiple instruments, collateral types, lenders, or repayment structures to achieve an outcome that no single standard product can deliver. Think: a ₹5 Cr facility combining a ₹2 Cr LAP, a ₹1.5 Cr LAS, and a ₹1.5 Cr unsecured business overdraft — all with coordinated repayment structures and lenders.
Our structured financing advisory also covers inter-generational credit planning — structuring loans optimally across family entities, understanding gift and loan implications, and ensuring credit decisions are aligned with estate planning objectives.
Combining home loans, LAP on existing properties, and LAS on portfolio to structure an optimal acquisition finance package — minimising equity contribution while managing EMI outflow.
Multi-tranche credit facilities combining secured term loans, working capital OD, and equipment finance — structured around the business's revenue cycle and repayment capacity.
Replacing multiple high-cost loans (personal loans, business loans, credit cards) with a single, lower-rate secured facility — reducing EMI burden and total interest cost significantly.
Advisory on home loans for NRIs (NRO/NRE account linked), repatriation planning, and cross-border credit structures for NRI clients with assets in India and income abroad.
* Indicative rates as of current market conditions. Actual rates depend on credit profile, lender, amount, and tenure. All rates p.a.
A structured, end-to-end advisory engagement — ensuring you get the best loan for your situation, not just any loan.
We review your CIBIL score, existing loan obligations, income structure (salaried/self-employed/business), and collateral available — identifying your optimal lender profile before approaching any bank.
We approach 5–10 lenders simultaneously with your profile — creating competitive tension that results in better rates, lower processing fees, and more favourable terms. You see all offers, we advise on the best.
We manage the documentation process — coordinating with your CA, employer, or business — ensuring clean, complete applications that minimise back-and-forth queries and reduce processing time.
After disbursement, we monitor interest rate movements, advise on prepayment opportunities, flag balance transfer options when rate differentials justify the switch, and integrate the loan with your overall tax and wealth plan.
This is the most important distinction: bank relationship managers work for the bank — their job is to meet the bank's targets, not necessarily give you the best deal. DSAs (Direct Selling Agents) earn commissions from lenders — ranging from 0.25% to 2% of loan amount — which creates an incentive to recommend lenders who pay more, not lenders who offer you the best rate. Our advisory fee is paid by you — eliminating this conflict. We approach multiple lenders competitively, negotiate aggressively on your behalf, and recommend the best option for your situation regardless of which lender it is. We do not accept lender referral fees.
In India's interest rate environment, floating rate loans are almost always better for tenures of 10+ years. Here's why: (1) Fixed rates in India are typically 1.5–2.5% higher than floating rates at the time of borrowing — a significant premium; (2) Indian interest rates are linked to RBI's repo rate which moves cyclically — periods of high rates are followed by cuts; (3) Fixed rate periods are rarely "fixed" for the full tenure — most lenders offer fixed rates for only 2–5 years, then convert to floating; (4) Floating rates average out favourably over 15–20 year loan tenures historically. The only case where fixed makes sense: you have a very short tenure (2–3 years) and rates are at a cyclical low.
A balance transfer is worth considering when: (1) Your current rate is 0.5% or more above what new lenders are offering for your loan profile; (2) You are in the first half of your loan tenure (the interest savings are maximised in early years when more EMI goes toward interest); (3) The net saving exceeds the switching cost (processing fee typically 0.5–1% of outstanding, legal fee, and documentation cost); (4) Your credit score has improved significantly since taking the original loan, qualifying you for better rates. As a rough rule: on a ₹1 Cr outstanding loan with 15 years remaining, a 0.75% rate reduction saves approximately ₹8–10L in total interest — well worth the ₹50–70K switching cost.
Home loans in India offer two tax deductions under the Income Tax Act: (1) Section 80C — Principal Repayment: Up to ₹1.5 lakh per year on principal repayment (within the overall 80C limit of ₹1.5L including PF, PPF, insurance, etc.); (2) Section 24(b) — Interest Deduction: Up to ₹2 lakh per year on interest for a self-occupied property (no limit for let-out properties — full interest deductible). For a ₹50L home loan at 8.5% with EMI of ~₹43,000/month, annual interest is approximately ₹4.1L (first year). The ₹2L Section 24B deduction alone saves ₹60,000/year for a 30% bracket taxpayer. Over a 20-year tenure, these deductions can save ₹8–12L in taxes. Note: these deductions are available under the old tax regime only — not under the new simplified regime.
Most lenders have rate tiers based on CIBIL score. 750+ is generally required for the best rates. The tiers typically work as follows: 800+ → Best available rate; 750–799 → Standard best rate (same or +0.1%); 700–749 → +0.25–0.5% premium; 650–699 → +0.75–1.0% or possible rejection; Below 650 → Likely rejection at most major banks. Practical steps to improve score: (1) Always pay EMIs and credit card bills on time; (2) Keep credit card utilisation below 30% of limit; (3) Do not apply for multiple loans simultaneously (each application generates a hard inquiry); (4) Maintain a mix of secured (home, car) and unsecured (credit card) credit. A good CIBIL score on a ₹1 Cr loan can save ₹0.25–0.5% in rate — ₹3–6L over 20 years.
Disclaimer: Interest rates quoted are indicative as of current market conditions and subject to change based on RBI policy and lender terms. Actual rates depend on your credit profile, income, collateral, loan amount, and tenure. Peacock Wealth Management is a ARN-registered distributor — we provide advisory on loan products but do not directly lend. All loans are disbursed by RBI/NHB-regulated banks and NBFCs. Tax benefits mentioned are based on prevailing Income Tax Act provisions under the old tax regime and may change. Please consult a CA for personalised tax advice.
Our lender-neutral loan advisory gets you the best rate, terms, and structure — every time.