Security notice: Transkat never asks for cash payments, and no Transkat representative will ever request an advance fee to “release” or “approve” a loan. Report suspicious contact to care@transkat.in.
We are not a bank and we do not lend. We are the consultancy that reads your file the way a credit officer reads it, corrects what would fail, and places it with the institution whose policy actually fits your profile. Ten years, ₹600 crore facilitated, and a 96% disbursal rate on files we formally submit.
A consultant – not a call centre – reviews what you send and calls you with a straight assessment.
Different lenders say yes to different profiles. A self-employed applicant rejected by one bank is routine business for another. Our job is knowing which is which – across public sector banks, private banks, housing finance companies and RBI-registered NBFCs – so your file goes to the desk where it stands the best chance.
12 institutions
8 institutions
7 institutions
13 institutions
Transkat operates as an independent loan consultancy and channel facilitator. We are not an agent, subsidiary or authorised representative of any lending institution, and we do not act on their behalf.
Consulting on loan files since 2016
Of files we formally submitted to lending partners
Across every loan category we handle
Home, personal, car and vehicle loans
Working capital, term and equipment finance
* Disbursal rate refers to the proportion of loan applications formally submitted by Transkat to a lending partner that resulted in disbursal, measured across January 2016 – June 2026. It is not a prediction of any individual outcome. Figures are drawn from Transkat’s internal records and are available for review on request. Approval, sanction amount, tenure and interest rate are determined solely by the lending institution.
Every category below follows the same route: we assess your profile, tell you honestly where it stands, prepare the file properly, and place it with the lender whose criteria it matches.
For:
Purchase of a ready or under-construction property, self-construction, plot-plus-construction, home improvement, or a balance transfer from your existing lender.
What we do:
Assess your repayment capacity and property documentation before anything is submitted, flag title or valuation issues early, and place the file with a lender whose policy fits your income profile and the property type.
Typically needed:
Identity and address proof, income documents, bank statements, and complete property papers.
For:
Working capital, business expansion, machinery and equipment purchase, or consolidation of existing business borrowings — secured or unsecured, depending on your profile.
What we do:
Read your financials the way a credit officer will, identify which lender’s underwriting suits your turnover, vintage and banking pattern, and structure the presentation of the file accordingly.
Typically needed:
Business registration proof, GST returns, audited financials, and current account statements.
For:
Medical expenses, education, weddings, home renovation, travel or consolidating higher-cost borrowings. Unsecured, with no collateral required.
What we do:
Check your eligibility against multiple lenders before applying, so you are not accumulating rejections and enquiry marks on your credit report through scattered applications.
Typically needed:
Identity and address proof, salary slips or income proof, and recent bank statements.
For:
New and pre-owned passenger vehicles, and refinancing of an existing car loan.
What we do:
Compare on-road funding percentages and total interest outgo across lenders, and coordinate directly with your dealership so the paperwork and delivery timeline stay aligned.
Typically needed:
Identity and address proof, income documents, and the dealer quotation or vehicle invoice.
For:
Trucks, tippers, buses, tractors, construction equipment and fleet additions – for first-time buyers and established operators alike.
What we do:
Match your route, contract and utilisation profile to lenders who actively underwrite commercial vehicle finance, including options for applicants with limited formal income documentation.
Typically needed:
Identity and address proof, existing vehicle or permit records where applicable, and bank statements.
Tell us the loan type, the amount you have in mind and your basic profile. We will tell you where you realistically stand – including if the answer is “not yet.”
We check your income pattern, credit history and documentation against current lender criteria, and fix the gaps before the file goes anywhere.
We place the file with the institutions whose underwriting actually fits it – not to every lender at once. Fewer applications means fewer credit enquiries against your name.
We stay with the file through processing, respond to lender queries on your behalf, and stay on it until the amount is disbursed.
Timelines vary by loan type, documentation completeness and the lending institution’s own processing schedule. Transkat does not control or guarantee turnaround times.
Transkat began with a single observation: most loan rejections are not credit failures. They are matching failures. A perfectly fundable applicant walks into the wrong branch, with the wrong documents, at the wrong point in that lender’s policy cycle – and gets a no that had nothing to do with their ability to repay.
So we built a consultancy around the matching problem. Over ten years we have developed working relationships across public sector banks, private banks, housing finance companies and RBI-registered NBFCs, and – more usefully – a current, practical read on what each of them is actually approving right now. Policies shift quarterly. Knowing that is the job.
We have stayed deliberately small in headcount and deliberately fast in method. Applications, document collection and status tracking run on systems we rebuilt whenever something better exists, because a borrower waiting on a sanction should not be waiting on our paperwork. Ten years in, that has amounted to over ₹600 crore disbursed for more than 600 individuals and 100 businesses.
What we are not, and have never claimed to be, is a lender. We do not accept deposits, we do not hold your funds, and we cannot approve a loan. What we can do is make sure your file reaches the right desk in the best shape it can be in — and then push, on your behalf, until there is an answer.
Years of consultancy practice
Facilitated in disbursals
Individual and business clients served
Free eligibility check
No account, no credit check, no impact on your credit score. A Transkat consultant reviews what you submit and calls you back with a straight assessment — including whether now is the right time to apply at all.
Pick the closest match. You can change this on the call.
An estimate is fine. We will refine it together.
This determines which lenders are a fit. Nothing is verified at this stage.
Employment typeNot sure is a perfectly normal answer. We can check it with your consent.
One consultant, one call. We do not sell your details to anyone.
Full name Mobile numberOptional. Only used to send your assessment in writing.
A Transkat consultant will call you with a straight assessment — including whether now is the right time to apply at all. If you would rather talk now, call us directly.
Call +91 63098 45677No account, no credit check, no impact on your credit score. A Transkat consultant reviews what you submit and calls you back with a straight assessment – including whether now is the right time to apply at all.
Eligibility check
Pick the closest match. You can change this on the call.
No account, no credit check, no impact on your credit score.
No. Transkat is an independent loan consultancy and facilitation service. We are not a bank, an NBFC or a housing finance company. We do not lend, we do not accept deposits, we do not hold borrower funds, and we cannot sanction or disburse a loan. Every loan is provided by a third-party lending institution that makes its own decision.
Our consultancy fee is a flat, fixed amount disclosed to you in writing before you engage us. There are no percentage-based charges and no charges beyond what is stated in that written communication. We never collect cash, and we never ask for money to “release” or “speed up” a sanction — anyone claiming otherwise is not representing Transkat.
It depends on the loan type and how complete your documentation is. Personal and car loans typically move fastest; home loans and business loans take longer because property and financial verification are involved. We give you a realistic timeline at the consultation stage and tell you immediately if something is going to slow the file down. Final processing time is controlled by the lending institution, not by us.
It means that of the loan applications we formally submitted to a lending partner over January 2016 – June 2026, 96% resulted in disbursal. It is a record of past outcomes across many files — not a prediction about yours, and not a guarantee. It is high largely because we do not submit files we do not believe in; if your profile is not ready, we will tell you before applying rather than after being rejected.
Yes — talk to us first. Some lenders underwrite lower scores, some weigh banking pattern more heavily than the score itself, and in many cases a few months of specific corrective steps changes the outcome entirely. What we would strongly advise against is applying to several lenders at once and hoping: each application leaves an enquiry on your credit report and makes the next one harder.
No. Submitting the enquiry form does not trigger a credit bureau check. A formal credit check happens only when a loan application is actually submitted to a lender, with your explicit consent at that stage.
No, and you should be cautious of anyone who does. Approval rests entirely with the lending institution and depends on its credit policy at that time. What we can commit to is an honest assessment of your chances before you apply, a properly prepared file, and placement with the lenders best suited to your profile.
Extensively. Self-employed and business profiles are where consultancy matters most, because underwriting varies enormously between lenders on income assessment, business vintage and banking pattern. We have served over 100 businesses across working capital, term loan and equipment finance requirements.
Transkat is based in Raipur, Chhattisgarh, and serves clients across India. Our core operating regions are Chhattisgarh, Odisha, Madhya Pradesh and Jharkhand. Our lending partner network extends across institutions operating nationally, and much of the process — consultation, document review and status updates — is handled remotely.
One conversation tells you where you actually stand — the realistic amount, the likely rate band, and the one thing most likely to trip your file up. No cost, and no obligation to proceed.
No obligation. All decisions subject to lender approval.
Loan consultancy, independent, and clear about it.
Transkat House, Civil Lines, Raipur,
Chhattisgarh 492001
Transkat is an independent loan consultancy and facilitation service. Transkat is not a bank, a non-banking financial company, a housing finance company or a lender of any kind. Transkat does not lend money, does not accept deposits, does not hold or handle borrower funds, and is not authorised to sanction, approve or disburse any loan.
All loans referenced on this website are provided by third-party lending institutions. Approval of any loan application, and the loan amount, interest rate, tenure, processing charges and all other terms, are determined exclusively by the lending institution at its sole discretion, in accordance with its own credit policy and applicable law. Transkat makes no representation, warranty or guarantee that any application will be approved, or approved on any particular terms.
Statistics presented on this website, including the disbursal rate, total amount disbursed and number of clients served, reflect Transkat’s internal records of past outcomes over January 2016 – June 2026. Past performance is not indicative of, and does not guarantee, any future or individual result.
Transkat is not an agent, employee, subsidiary or authorised representative of any lending institution and does not act on behalf of any lender. Any trade names or trademarks referenced on this site remain the property of their respective owners; their mention does not imply endorsement, affiliation or partnership unless expressly stated.
Information on this website is provided for general informational purposes only and does not constitute financial, legal, tax or investment advice. You should obtain independent professional advice before entering into any loan agreement, and should read all loan documentation carefully before signing.
Fee and fraud notice: Transkat’s consultancy fees are disclosed to every client in writing before engagement. Transkat does not accept cash payments and will never request an advance fee to secure, release or expedite a loan sanction. If you receive any such demand from a person claiming to represent Transkat, do not pay, and report it immediately to care@transkat.in.
© 2026 Transkat. All rights reserved.
Registered address: Transkat House, Civil Lines, Raipur, Chhattisgarh 492001
LLPIN: ABC-1234 · GSTIN: 22ABCDE1234F1Z5