What is the minimum CIBIL score required for a loan sanction with Sha Money Mithra Finserv?

While a CIBIL score of 700+ qualifies you for premier tier interest rates (starting 10.49% p.a.), Sha Money Mithra Finserv partners with over 35+ RBI-licensed banks and NBFCs, allowing us to approve customized financing even with moderate scores (650+) through structured guarantor or banking history assessments.

How fast can I receive in-principle approval and fund disbursement?

Through our end-to-end digital API integration with partner banks, in-principle sanction is generated in as little as 2 minutes. Once documents are verified, loan disbursement into your bank account typically occurs within 24 to 48 business hours.

Which physical regional branches does Sha Money Mithra Finserv operate in?

Sha Money Mithra Finserv operates Corporate Headquarters in Shenoy Nagar Chennai, alongside regional advisory hubs in Anna Nagar (Chennai), Coimbatore (Commercial Finance Center), Madurai (Retail Lending Hub), and Bengaluru (Tech Corridor Finance Center).

Does checking my loan eligibility affect my credit bureau score?

No. Checking your pre-approved eligibility and loan comparisons on the Sha Money Mithra platform is classified as a soft credit inquiry and has zero negative impact on your CIBIL credit score.

Loan Against Property (LAP) — Up to 70% Property Value

Maximize Your Property’s Hidden Value

High Loan-to-Value (LTV)

Get sanctions up to 70% of market property appraisal.

Much Lower Rates

Significantly cheaper interest rates than unsecured loans.

Tenure up to 15 Years

Comfortable EMI schedules matching your cash flow.

Retain Full Ownership

Continue utilizing or renting your property freely.

Eligible Property Categories

Residential

Self-occupied flats, independent villas, rented bungalows.

Commercial

Offices, retail shops, showrooms, medical centers.

Industrial

Warehouses, manufacturing sheds, industrial plots.

Check LAP Eligibility

Request a free technical valuation and lender comparison.

Applicant Name *

Mobile Number *

Email Address

Estimated Property Value (₹) *

Property Type

Property Location

Preferred Date for Property Valuation

Free Property Assessment

Loan Against Property (LAP)

Maximize Your Property’s Hidden Value

Eligible Property Categories

Check LAP Eligibility

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