What documents are needed to apply?

For salaried: Aadhaar, PAN, last 3 months salary slips, 6-month bank statement. For self-employed: GST returns, ITR for 2 years, business proof, bank statement.

How long does loan approval take?

Personal loans: 24–48 hours. Business loans: 3–7 working days. Home loans: 7–15 working days depending on property verification.

Do you charge any processing fee?

Our consultation is completely free. Banks charge a processing fee (typically 0.5–2%) which we will inform you about upfront.

What CIBIL score is required?

Generally 700+ is preferred. We also work with clients having lower scores — contact us for personalized guidance.

Do you serve areas outside Pollachi?

Yes! We serve Pollachi, Udumalpet, Valparai, Dharapuram, and surrounding areas. Online processing available for all of Tamil Nadu.

Guhan Capitals – Direct Selling Loan Agents

Our services

Loan products we offer

We connect individuals and businesses with tailored loan solutions from leading banks and NBFCs

🏢

Business Loan

Fuel your business growth with working capital, term loans and MSME loans from ₹5L to ₹5Cr.

From 11.5% p.a. →

🏠

Home Loan

Turn your dream home into reality with our simplified home loan process across all leading banks.

From 8.4% p.a. →

👤

Personal Loan

Quick personal loans from ₹50,000 to ₹25 lakhs with 48-hour approval. No collateral needed.

From 10.5% p.a. →

📋

Mortgage Loan

Unlock the value of your property with LAP loans up to 70% of property value. Long tenure up to 20 years.

From 9.5% p.a. →

🚗

Auto Loan

Drive home your dream vehicle with hassle-free auto financing from top lenders at competitive rates.

From 8.9% p.a. →

🩺

Professional Loan

Tailored loans for doctors, CA professionals, and consultants. Quick processing with minimal documentation.

From 10% p.a. →

🪙

Gold Loan

Instant cash against your gold jewellery — no income proof, no CIBIL check, same-day disbursal.

From 9% p.a. →

🎓

Education Loan

Fund your child's education in India or abroad. Moratorium period, Section 80E tax benefit, up to ₹1.5 Cr.

From 8.15% p.a. →

🌿

Plot / Land Loan

Buy residential or agricultural land with up to 75% LTV. DTCP-approved plots in Tamil Nadu funded.

From 8.75% p.a. →

View all loan products →

Free tools

Calculators & Guides

Plan smarter before you apply — free tools built for Indian borrowers

🧮

EMI Calculator

Calculate your monthly EMI for any loan amount, rate, and tenure instantly.

✅

Eligibility Checker

Find out how much loan you qualify for based on your income and expenses.

🏠

Affordability Calculator

Know the right home price range before you start house hunting.

📋

Document Checklist

Exact documents you need for home, business, and personal loan applications.

📊

Improve CIBIL Score

Step-by-step guide to boost your credit score before applying for a loan.

💼

Business Loan ROI

Check if a business loan makes financial sense for your planned investment.

View all calculators & guides →

Client reviews

Trusted by borrowers across Tamil Nadu

Real clients, real approvals — see what people say about working with us

★★★★★ 4.8 on Google · 150+ reviews

★★★★★

"Got my business loan of ₹25 lakhs approved in just 6 days. I had approached two banks directly and got rejected. Guhan Capitals matched me with the right NBFC and handled everything. Zero fees, exactly as promised."

K

Karthik R.

Business Loan · Pollachi

★★★★★

"Home loan for ₹42 lakhs — the rate I got through Guhan Capitals was 0.35% lower than what HDFC offered me directly. That's ₹1.8 lakhs saved over the tenure. The documentation process was completely smooth."

D

Deepa S.

Home Loan · Coimbatore

★★★★★

"My CIBIL score was 668 and I thought I wouldn't get approved anywhere. They knew exactly which bank would consider my profile and got me a personal loan of ₹4 lakhs within a week. Very professional team."

M

Murugesan P.

Personal Loan · Udumalpet

★★★★★

"Applied for a home loan while being self-employed — most banks were hesitant. Gowtham sir guided us on the exact ITR format needed and got us approved at SBI at 8.5%. Very honest, no hidden charges at all."

A

Anitha & Raj

Home Loan · Tiruppur

★★★★★

"MSME loan of ₹12 lakhs for my textile shop. The bank said it would take 3 weeks — Guhan Capitals got it done in 9 days. They know which branch managers move fast. That speed made a real difference for my business."

S

Selvakumar T.

Business Loan · Erode

★★★★★

"Mortgage loan against my property — got ₹18 lakhs at 9.8% interest. I had spoken to three agents before, all wanted fees upfront. Guhan Capitals charged nothing and delivered. Would recommend to anyone in Palani."

V

Vijayalakshmi N.

Mortgage Loan · Palani

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