Aadhya Financial Consultancy

Loan consultant in Thane · About Aadhya

Venkatraman Iyer

Founder & Partner, Aadhya Financial Consultancy · Thane

15 years inside banks taught me how a lender reads a loan. Since 2017, I've used it only on your side of the table.

100+SMEs funded
Rs 750 Cr+funding arranged
50banks and NBFCs
Book a 20-minute call with me
Venkatraman Iyer, loan consultant in Thane
25 years in finance
Connect with me on LinkedIn
MY JOURNEY

From inside the bank to your side of the table

A banker's knowledge, now working for the borrower.

  1. 2002 · Where it began

    Home loans at HBL Global (for HDFC Ltd)

    Learnt how a home loan file is built, and what makes it move.

  2. Banking career

    Axis Bank · Barclays · Standard Chartered

    Learnt how banks read a loan application, from the inside.

  3. Leading SME lending

    Cluster Head, SME Loans · Aditya Birla Capital

    Learnt how lenders judge and price every proposal.

  4. 2017 · Aadhya

    Moved to the borrower's side of the table

    Founded Aadhya Financial Consultancy in Thane.

  5. Today

    100+ SMEs funded · Rs 750 Cr+ arranged

    60%+ of my work comes from repeat clients.

WHAT I BELIEVE

Three things I always stand by

Your side of the table

I know how lenders think, and I put that knowledge to work for you.

The lender that fits you best

India has 50+ lenders, each with its own preferences. When the lender fits your profile, things move fast.

100, not 95, not 105

The right amount keeps your plan moving and your EMI comfortable. Enough to finish what you started, and only what you need, so every rupee works for you.

“My job is not to sell you a loan. It is to make sure you are funded rightly.”

My vision: every family and business rightly funded.

WHO I HELP

Find the page written for you

Salaried

Home loan, balance transfer, top-up and loan against property.

See your page →

Self-Employed

Home loan and loan against property, read the way your business really earns.

See your page →

SME Business

Working capital, term loans, project finance and loan against property.

See your page →
CASE STUDY

What happened when the file was presented the right way

CASE STUDYSME Business · Working Capital + Term Loan

A multi-chain footwear retailer

From 11% to 8%, by separating two needs.

11% → 8%interest cost
1.05 → 1.4current ratio
20% a yeargrowth after the change
Read the case study →
IN THEIR WORDS

Why borrowers in Thane and Mumbai trust Aadhya

What clients say

5.0 ★ on Google, 27 reviews
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Harshad Agawane
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“Venkatraman Sir is a very polite, knowledgeable, and passionate professional. With over 20 years of experience and a deep understanding of the products, he always takes a…”
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Abhijit Bardhan
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“He is someone that does understand the nitty gritties of various products across finance and advices you on the one which would most strategically work for you… Most of the…”
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Mayank Purohit
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“Passion, knowledge and a genuine interest in achieving the best for clients is what makes a truly professional Financial Adviser. Aadhya Financial Consultancy has this and more…”
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Dinesh Thotam
G
“Best Home loan and Mortgage loan consultant in Mumbai.”
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Santosh Shinde
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“Aadhya Financial Consultancy exceeded my expectations with their professionalism and commitment to delivering results. Their tailored solutions have brought clarity and confidence…”
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Vinay Ghuwalewala
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“Best Consultancy. Very good relationship with bankers for the best deals for customers and fastest deliveries to customers.”
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Nazim Virji
G
“Highly recommended for improving the cost of finance for your company.”
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Madhav Mehta
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“Honest and commited. They deliver their best efforts and fantastic customer experience”
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Akash Raut
G
“Professional approch, they solved my requirements on time.”
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Hasan Shaikh
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“Excellent service, timely resolution ,quick reponse”
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Nikhil Desai
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“Prompt services for all your financial needs”
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Nikhil Purohit
G
“Awesome experience. Superb service.”
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Chandan Yadav
G
“Very fast, safe and secure.”
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Gulshan Chopra
G
“Excellent delivery of works”
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Mohammad Iftekhar
G
“Good financial consultancy”

Read all reviews on Google →

FOLLOW US

Get a banker’s view, free

I share what I’ve learnt in 25 years in banking and SME finance. Follow along.

LinkedInHow banks read a loan file, explained by our founderFollowInstagramQuick home loan and business loan tipsFollow
Connect with Venkatraman on LinkedIn
VISIT OR CALL

Meet me in Thane

Come to the office, or let's speak on the phone. Either way, you talk to me.

Get directions
HoursMon–Fri 10 am–7 pm · Sat 10 am–4 pm
Call or WhatsApp+91 70395 35999
Follow us

Want someone in your corner who knows how banks think?

Tell me what you need. I'll tell you honestly how a bank would read it.

The right loan for your family or business, without visiting bank after bank, even if your profile isn't a standard one.

Book a 20-minute discovery call

There's no pressure. Let's just see if I can help.

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