Shubh Yog
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Nine strengths of your case, one on each petal of the Shubhdhanam lotus. Bright = strong, soft = partly there, empty = needs work.
Shubh Tools · 60 seconds
Shubh Loan KundliYour loan, read before you apply.
A few simple taps. Get your estimate, EMI load, matching lender types, what to fix first and your document list.
Shubhdhanam is a loan distribution firm (DSA).
Your best guess is fine. We compare it with your estimate.
₹
Starting value is only an example — please enter yours.
How do you earn?
Lenders look at salaried and self-employed people differently.
How old is your business?
Count from the date it started (GST, Udyam or first ITR).
The amount that comes into your bank account each month.
₹
Starting value is only an example — please enter yours.
Add all running loans: home, car, personal, gold, consumer and card EMIs. Card spends not turned into EMI: take 5% of that outstanding.
₹
₹
How soon does it end?
Many lenders do not count an EMI that is about to end. Each lender’s own rule is used.
What is your CIBIL score, roughly?
An idea is enough.
Lenders have age limits at the start and at the end of the loan.
years
Starting value is only an example — please enter yours.
Market value or agreement value, roughly.
₹
Starting value is only an example — please enter yours.
Your Shubh Loan Kundli
Making your Kundli…
Tap any house of the Kundli to read it
Tenure for this estimate
Example — choose yours. The longest tenure depends on the lender and your age.
Loan you could get (estimate)
Most likely
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CarefulHigher side
Careful = at the higher rates in our panel. Higher side = at the lower rates, for a strong profile. The middle figure is the most likely estimate.
Room for a new EMI
EMI load
Which kinds of lenders fit you
No lender fits these details right now. Fix the points below, or talk to us for other options.
Green with a tick = this kind of lender’s policy fits your details. Grey = it does not fit right now. Lender names are shared when we talk about your case.
Fix first
What if…?
Change one thing and watch the estimate move. Your answers above stay as they are.
₹0
₹25,000
₹0
Counted only by lenders whose policy allows it — usually spouse, parents or children (siblings with some).
Now—
New estimate—
The right time to apply
Is a running loan ending soon?
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Ends in
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Your age and business age move ahead too. Lender policies may change by then.
Your document list
Keep these ready. A lender may ask for more.
On the next screen choose “Save as PDF”.
Get your Kundli checked by an expert
WhatsApp We match your case with the right lender policies, with you.
This is an estimate (andaaza) based only on the details you entered and the lender policies in Shubhdhanam’s panel. It is not an offer, a sanction or an approval.
The final amount, rate and tenure are decided by the lender after documents and checks. Lender charges as per sanction letter.
Shubhdhanam is a loan distribution firm (DSA). Loans are sanctioned by banks and NBFCs as per their policy.
Shubh Shagun
Know someone who needs this?
Send this tool to them on WhatsApp with your name on the link. If they take a loan through us, you receive a Shubh Shagun of up to ₹11,001.
How Shubh Shagun works →Straight answers
Questions people ask us
How is my Kundli made?
Your answers are compared with the lender policies in Shubhdhanam’s panel — the income share a lender allows for EMIs, CIBIL, age, business age and property value limits. The amount is worked out for the tenure you choose.
Is this an approval?
No. It is a careful estimate. The lender decides after your documents, credit report and its own checks.
Does it affect my CIBIL score?
No. Nothing is pulled from any credit bureau. The Kundli is made in your phone; your details reach us only if you choose to send them.
Why are lender names not shown?
Policies change often and every case is different. We share the right lender options when we talk to you about your case.