Aaufinch lends against the property you already own — your house, shop or plot — so you can grow a business, educate your children, or build the next room of your home. We sit with you, understand how you earn, and design the loan around it.
Fair and transparent terms
Every charge explained upfront in simple words — no hidden costs, no surprises later.
We understand real incomes
Farming, dairy, a kirana shop or a small workshop — we assess actual cash flow, not just paperwork.
A branch close to you
Local teams who speak your language and visit you at home, across 10+ branches in Rajasthan.
Quick, simple process
Minimal documents, one point of contact, and fast sanction once your property checks are done.
गाँव की मिट्टी से शहर के सपनों तकआपकी प्रॉपर्टी, आपकी ताक़तभरोसे का रिश्ता, हर किश्त के साथछोटा व्यापार, बड़ी उड़ान
गाँव का विकास, देश का विकास
Most lenders stop at the city limits. Our roots are in Tier 3 and Tier 4 towns and villages, where a fair loan can change a family's future. We understand incomes that don't come with a salary slip:
A Jaipur-based lender specialising in Loan Against Property, built to serve the families and small businesses that India's bigger lenders often overlook.
Our story
Aaufinch started with a simple observation: in Rajasthan's villages and small towns, people own valuable homes, shops and plots, yet struggle to get fair credit. Their incomes are real — from farming, dairy, trade and small industry — but they rarely fit a bank's checklist.
So we built a lending company that begins by listening. Our officers visit borrowers where they live and work, understand how money actually flows through the household, and structure a Loan Against Property that fits. Today we operate 10+ branches across Rajasthan from our head office in Jaipur, and we are growing our LAP business steadily.
Our roots are in Tier 3 and Tier 4 markets, and we serve customers in Tier 1 and Tier 2 cities with the same care.
Our mission
To give every property owner — in a village or a metro — access to fair, affordable credit, and to help them use it to build a better livelihood.
Our vision
To be the most trusted Loan Against Property partner for rural and semi-urban India, known for understanding customers before lending to them.
Our leadership
Two directors with 20+ years of combined experience across finance, compliance, banking sales and branch building.
DJ
Dheeraj Jayswal
Director, Compliance & Operations
Over 10 years of experience in finance. Dheeraj manages Aaufinch's compliance and operations, making sure every loan follows regulations and every process runs smoothly.
SS
Sunil Sharma
Director, Sales & Branch Development
Over 10 years in banking sales and branch development. Sunil has handled the entire Rajasthan region for multiple NBFCs and leads the growth of our branch network.
What we stand for
SamajhUnderstand the customer before offering a loan.
ImaandariClear terms and charges, explained in plain words.
NazdeekiLocal teams, local language, doorstep service.
VikasEvery loan should help a family or business grow.
आपकी प्रॉपर्टी, आपकी ताक़त
Loan products
Every Aaufinch loan is secured against property you own. Choose the one that matches your need.
घर की दीवारें, भविष्य की नींव
Loan Against Residential Property
Use the value of your self-owned house or flat for any personal or business need — children's education, a wedding, medical costs or home improvement.
Loan amount₹2 lakh to ₹1 crore*
TenureUp to 15 years*
Loan-to-valueUp to 60–70% of market value*
Key features
Funds for education, weddings, medical needs or renovation
Lower EMIs thanks to long tenure
Doorstep property visit and document pickup
No restriction on end use (lawful purposes)
Who can apply
Salaried or self-employed individuals, aged 21 to 65
Owner or co-owner of the residential property
Regular, verifiable household income
Documents
Aadhaar, PAN and photographs
Property papers: registry, patta or sale deed, and tax receipt
Income proof: salary slips, ITR or bank statements
छोटा व्यापार, बड़ी उड़ान
Business Loan Against Property
For shop owners, traders, manufacturers and service businesses who want to expand, buy stock or machinery, or build working capital.
Loan amount₹3 lakh to ₹1 crore*
TenureUp to 15 years*
SecurityResidential, commercial or mixed-use property
Key features
Income assessed from actual business cash flow
Loan against shop, godown or home
Flexible repayment aligned to your business cycle
Dedicated relationship officer
Who can apply
Proprietors, partnerships and small companies
Business running for at least 2 years*
Kirana, wholesale, manufacturing, transport, services and more
Documents
KYC of applicant and business (GST or Udyam, if available)
Property papers
6–12 months of bank statements; ITR if available
गाँव की मिट्टी से शहर के सपनों तक
Rural Property Loan
Built for families in villages and small towns whose income comes from farming, dairy, livestock or local trade — often without formal income papers.
Loan amount₹1 lakh to ₹25 lakh*
TenureUp to 10 years*
Income checkPersonal discussion and field assessment
Key features
Income understood through a doorstep visit, not only ITR
Family members can be co-applicants to strengthen eligibility
Loan for dairy expansion, shop, house construction or education
Officers who speak Hindi and local dialects
Who can apply
Owners of residential property in villages and small towns with clear title
Farmers, dairy owners, artisans and small traders
Documents
Aadhaar, PAN (or Form 60) and photographs
Property ownership papers with clear title
Bank passbook or statement
बेहतर शर्तें, आसान किश्तें
Balance Transfer & Top-up
Unhappy with your existing Loan Against Property? Move it to Aaufinch for better terms and service, and take an additional top-up if you need more funds.
TransferYour existing LAP outstanding
Top-upAdditional funds, subject to eligibility*
TenureUp to 15 years*
Key features
Possibility of a lower EMI through better terms or longer tenure
One loan, one EMI when top-up is combined
We help coordinate the foreclosure with your current lender
Who can apply
Customers with an existing LAP and a regular repayment track of 12 months*
Documents
KYC and income documents
Loan statement and foreclosure letter from your current lender
List of property documents held by current lender
*Loan amount, tenure and loan-to-value are indicative and depend on Aaufinch's credit policy, property valuation, legal verification and the applicant's profile. Final terms are shared in the sanction letter.
किश्त पहले जानिए, फ़ैसला आसान बनाइए
EMI calculator
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