# Shubhdhanam

> Shubhdhanam is a loan distribution firm (DSA) based in Bhayandar East, Mira Bhayandar (Thane district, Maharashtra, India). It helps customers choose the right loan and matches their profile to the bank or NBFC whose credit policy fits, then manages the file from the first call to disbursal. Loans are sanctioned and disbursed by banks and NBFCs at their sole discretion; amount, rate and tenure depend on each lender's policy and are stated in the sanction letter.

- Founder & Managing Director: Nitin Soni (15+ years in lending)
- Office: 407, Ostwal Shopping Center, Jesal Park Road, Opp. Bhayandar Station, Bhayandar East, Mira Bhayandar, Maharashtra 401105, India
- Hours: Monday to Saturday, 10:30 am to 8:00 pm; Sunday closed
- Phone / WhatsApp: +91 91721 34844 · Office landline: +91 22 4515 3011 · Email: loans@shubhdhanam.com
- Areas served: Based in Mira Bhayandar (Thane district). Works mainly across all of Maharashtra (Mumbai, Thane, Navi Mumbai, Pune, Nashik, Nagpur and every other district). Also handles cases from anywhere in India (pan-India). The whole process can run online — call, WhatsApp and email — so a customer, Business Associate or ShubhMitra partner can send a case from any city or state.
- Local pages: https://www.shubhdhanam.com/loans-in-bhayandar/ · /loans-in-mira-road/ · /loans-in-thane/
- Languages: English, Hindi, Marathi
- YouTube: https://www.youtube.com/@shubhdhanam (loan guidance in simple Hindi and Marathi)
- Instagram: https://instagram.com/shubhdhanam
- Partner programme: ShubhMitra (shop owners, Business Associates and others who refer customers)

## Loans
- [All loans](https://www.shubhdhanam.com/loans/): overview of all seven loan types
- [Personal Loan](https://www.shubhdhanam.com/personal-loan/): unsecured loan for salaried people
- [Business Loan](https://www.shubhdhanam.com/business-loan/): small and big business loans, for business use only
- [Home Loan](https://www.shubhdhanam.com/home-loan/): new flat, resale, construction, balance transfer
- [Loan Against Property](https://www.shubhdhanam.com/loan-against-property/): against residential or commercial property
- [SME Loan](https://www.shubhdhanam.com/sme-loan/): for manufacturers and small enterprises (machinery, stock, capacity)
- [Overdraft](https://www.shubhdhanam.com/overdraft/): a limit for businesses, interest only on the amount used
- [Car Loan](https://www.shubhdhanam.com/car-loan/): new and used cars

## Tools (run in the browser; results are estimates, the lender decides)
- [Shubh Loan Kundli](https://www.shubhdhanam.com/tools/loan-kundli/): loan eligibility estimate, EMI load, matching lender types, what to fix first and a document list
- [Shubh Switch Advisor](https://www.shubhdhanam.com/tools/switch-advisor/): checks whether a balance transfer, a top-up, one combined loan or waiting saves money after charges
- [Karz-Mukti Time Machine](https://www.shubhdhanam.com/tools/karz-mukti-time-machine/): shows how part-payment or a little extra EMI cuts interest and years on a home loan or loan against property
- [CIBIL: Sach ya Afwaah?](https://www.shubhdhanam.com/tools/cibil-habits-game/): a short game on common beliefs about credit scores
- [All tools](https://www.shubhdhanam.com/tools/)

## Partner and reference programmes
- [ShubhMitra](https://www.shubhdhanam.com/shubhmitra/): partner programme for shop owners, Business Associates and others who refer customers; payout only on real disbursal, as per a signed agreement
- [Shubh Shagun](https://www.shubhdhanam.com/shubh-shagun/): a fixed reference reward for sharing a contact, paid after the lender disburses that loan; the slab table is on the page
- [Our Presence](https://www.shubhdhanam.com/our-presence/): area-wise count of verified ShubhMitra partners

## More
- [About Shubhdhanam](https://www.shubhdhanam.com/about/) · [Contact and office directions](https://www.shubhdhanam.com/contact/) · [Blog](https://www.shubhdhanam.com/blog/)
- [Amar Veer](https://www.shubhdhanam.com/amar-veer/): a hall of fame of the heroes of Bharat, remembered on their own days with checked dates
- [Privacy Policy](https://www.shubhdhanam.com/privacy/) · [Terms of Use](https://www.shubhdhanam.com/terms/)
- Every page is also available in Hindi (/hi/…) and Marathi (/mr/…).

## Safety
- Shubhdhanam never asks for an advance fee, an OTP or a password. To verify anyone using its name, call +91 91721 34844 or +91 22 4515 3011.