Kanak Finance | Kanak Dhan Laxmi Financial Services
Bhadra Hanumangarh Rajasthan - 335501
Kanakdhanlaxmifinancialservice@gmail.com
+91 9588039128
Ex-ICICI & HDFC Leadership • 15+ Yrs Banking Trust
Tie-up with 25+ Top Banks & NBFCs

Welcome to Kanak Finance

From farm to family, your trusted partner for Home Loans from 8.40% p.a., Mortgage LAP up to ₹15 Crores, and quick personal credit with zero hidden charges.

Mortgage Loan (LAP)

High Ticket Capital • Low EMI

LAP MORTGAGE

Leverage residential, commercial, or industrial property to secure high-ticket capital up to ₹15 Crores.

  • High loan quantum up to ₹15 Cr
  • Low monthly EMIs with tenures up to 20 yrs
  • Residential & Commercial properties accepted
INTEREST STARTING 9.25% p.a.
Dedicated Agri & Farmer Finance

Empowering Farmers with Tractor & KCC Loans

Harvest-friendly repayments, subsidized interest rates from 7.00% p.a. on Kisan Credit Cards, and hassle-free finance for new & used tractors and agri implements.

Tractor & Agri Implements

Harvest-Cycle Repayment Plan

FARMER FINANCE

Finance for all leading tractor brands and implements with low down payment and seasonal crop cycle EMIs.

  • New & used tractors funded up to 90%
  • Half-yearly / harvest payment options
  • Fast approval within 4 business days
INTEREST STARTING 8.90% p.a.
360+ CA & Govt Scheme Desk

GST, ITR & PMEGP Subsidies up to 35%

Complete corporate accounting, CA certifications, Project Reports (DPR), MUDRA collateral-free loans, and government subsidy filings all under one roof.

PMEGP & MSME Subsidy

Govt Project Reports & Approval

UP TO 35% SUBSIDY

Prime Minister's Employment Generation Programme with 15% to 35% capital subsidy and CA certification.

  • Loans up to ₹50 Lakh for manufacturing
  • Detailed Project Report (DPR) preparation
  • GST, ITR & Udyam registrations
GOVT SUBSIDY 15% - 35%
0+
Years Banking Experience
₹0Cr+
Loan Portfolio Disbursed
0+
Happy Clients Empowered
0+
CA, Tax & Banking Services
Financial Assessment Tools

Interactive Loan Planning Hub

Calculate your monthly EMI, test loan eligibility based on banking FOIR norms, or compare interest rates side-by-side.

₹ 25,00,000
₹ 50,000 ₹ 1 Crore ₹ 2 Crore
8.40 %
7.0% 14.0% 22.0%
20 Years
1 Year 15 Years 30 Years
Monthly EMI Payable
₹ 21,538
  • Principal Amount: ₹ 25,00,000
  • Total Interest: ₹ 26,69,183
  • Total Payable (P + I): ₹ 51,69,183
₹ 50,000
₹ 15,000 ₹ 2,50,000 ₹ 5,00,000
₹ 10,000
₹ 0 ₹ 1,00,000 ₹ 2,50,000
8.50 %
Estimated Max Loan Eligibility
₹ 22,65,000
  • Max Allowable EMI Capacity: ₹ 20,000 / mo
  • Applied Banking FOIR Ratio: 60% of Income
  • Remaining In-Hand Buffer: ₹ 20,000
Important Disclaimer: Yeh ek estimated eligibility assessment hai (standard banking FOIR guidelines par aadharit). Exact loan sanction amount aapki bank statement transaction turnover, CIBIL report credit history, property valuation, aur formal file login ke baad final credit assessment par nirbhar karega.
₹ 25,00,000
₹ 1 Lakh ₹ 75 Lakhs ₹ 1.5 Crores

Loan Option 1 (Current / Other Bank)

Lender A
9.50 %
20 Years
Monthly EMI
₹ 23,298
Total Interest: ₹ 30,91,520

Loan Option 2 (Kanak Finance)

Best Offer
8.40 %
20 Years
Monthly EMI
₹ 21,538
Total Interest: ₹ 26,69,183

Total Interest Savings with Kanak Finance:

Save ₹ 4,22,337

Monthly EMI Saving: ₹ 1,760 / month

Key Offerings

Popular Financial Solutions

A quick glance at our most requested loan services. All services feature direct bank tie-ups and minimal ROI.

HOME LOAN

Home Loan (Apna Ghar)

Purchase, construction, plot loan, or balance transfer with India's lowest interest rates and repayment up to 30 years.

  • Lowest interest rates from 8.40% p.a.
  • Minimal processing fees & doorstep service
  • Top-up loan facility available
INTEREST STARTING 8.40% p.a.
COLLATERAL FREE

Personal Loan

Immediate unsecured funding for medical emergency, wedding, education, or travel with zero guarantor needed.

  • Instant disbursal within 24 hours
  • Zero collateral or physical branch visit
  • Flexible tenures from 1 to 7 years
INTEREST STARTING 10.25% p.a.
FARMER FINANCE

Tractor & Agri Implement Loan

Specialized financing for farmers for new and used tractors, harvesters, and implements with crop harvest-cycle EMIs.

  • Financing for all tractor brands
  • Half-yearly / harvest-based repayment
  • Low down payment & fast approval
INTEREST STARTING 8.90% p.a.
Sunil Kumar Sahu - Director, Kanak Finance Director: Sunil Kumar Sahu
Banking Pedigree

Led by 15+ Years of Banking Excellence

Director Sunil Kumar Sahu brings over 15 years of proven retail banking leadership from institutions like ICICI Bank Ltd., HDFC Bank Ltd., and Mahindra & Mahindra Financial Services Ltd.

Holding an MBA in Banking & Finance from Manipal Academy of Higher Education (Bengaluru) and a BBA from University of Rajasthan, Jaipur, he ensures each client receives the lowest interest rates and 100% transparent guidance.

Core Value

Why Choose Us?

Trusted • Transparent • Professional. The Kanak Finance advantage for every retail loan and compliance.

Multiple Bank & NBFC Tie-ups

Direct tie-ups with 25+ top private & PSU banks for maximum sanction approval.

Fast & Hassle-Free Process

Minimal documentation, speedy file processing, and doorstep document assistance.

Expert Guidance (15+ Yrs)

Personalized advisory backed by Ex-ICICI & HDFC seasoned banking leadership.

100% Secure & Confidential

Strict compliance protocols safeguarding all your personal and financial papers.

Dedicated Support Team

Continuous assistance even after loan disbursal with transparent communication.

Customer Stories

What Our Clients Say

Real stories of trust, timely disbursals, and business growth from families and entrepreneurs in Bhadra, Hanumangarh & beyond.

"I got my Home Loan approved at the lowest interest rate of 8.40% through Sunil ji. His banking experience from ICICI & HDFC is evident in how smoothly his team handled the entire documentation. Highly recommended for anyone in Hanumangarh district!"

RS
Rahul Sharma
Home Loan Customer • Hanumangarh

"Needed urgent funding for a new Tractor and Agri equipment before the sowing season. Kanak Finance facilitated our loan in just 4 days with harvest-based repayment terms. Sunil ji treated us like family!"

RN
Rameshwar Nehra
Farmer & Agri Business • Bhadra

"Our manufacturing unit received a ₹35 Lakh PMEGP loan along with a 25% government subsidy. The DPR preparation, CA certification, and banking follow-ups were handled flawlessly under one roof. Truly a 360-degree financial hub!"

VS
Vikram Singh Rathore
MSME Unit Owner • Rajasthan

"They handle all our monthly GST filings, annual ITRs, and retail business accounting. Accurate, timely, and zero headache. Having a qualified MBA & banking expert handle compliance makes all the difference."

MG
Mukesh Godara
Retail Trader • Bhadra
Leadership & Background

About Kanak Finance & Director

Led by Sunil Kumar Sahu, a seasoned banking and credit management professional with over 15 years of industry leadership across top Indian private banks.

Sunil Kumar Sahu - Director

Sunil Kumar Sahu

Director & Senior Banking Advisor
MBA (Banking & Finance)
Manipal Academy of Higher Education, Bengaluru
Bachelor of Business Administration (BBA)
University of Rajasthan, Jaipur
15+ Years Track Record
Retail Banking, Credit & Wealth Management
"Known for strategic acumen, market insights, and a client-centric approach, our vision is to empower individuals, farmers, and business owners in Rajasthan with transparent, hassle-free institutional banking."

Professional Summary

Sunil Sahu is a seasoned banking and financial services professional with over 15 years of extensive experience in retail banking, financial products, and core operational management.

He holds a Bachelor of Business Administration (BBA) from the University of Rajasthan, Jaipur, and a Master of Business Administration (MBA) in Banking & Finance from the prestigious Manipal Academy of Higher Education (MAHE), Bengaluru.

Throughout his distinguished professional journey, Sunil has successfully worked with industry-leading institutions including ICICI Bank Ltd., HDFC Bank Ltd., and Mahindra & Mahindra Financial Services Ltd. This rich exposure across top-tier banks and financial corporations has given him deep expertise in handling complex financial portfolios, driving customer relations, and delivering comprehensive solutions in retail banking and loan services.

Corporate Leadership Exposure
ICICI Bank Ltd.
HDFC Bank Ltd.
Mahindra & Mahindra Finance

Our Vision & Values

At Kanak Finance (Kanak Dhan Laxmi Financial Services), we believe honest advice beats selling products. Whether an applicant needs a ₹50,000 crop loan or a ₹15 Crore industrial LAP mortgage, our process remains transparent, ethical, and focused on securing the lowest rate of interest.

360° Financial Portfolio

Our Comprehensive Services

Explore all 7 categories: Retail Loans, Insurance, Instant Banking, 360+ CA Taxation Services, Utility Desk, Government Schemes & IT Solutions.

LAP MORTGAGE

Mortgage Loan (LAP)

Leverage your residential, commercial, or industrial property to secure high-ticket capital up to ₹15 Crores.

  • High loan quantum up to ₹15 Cr
  • Low monthly EMIs with tenures up to 20 yrs
  • Residential & Commercial properties accepted
INTEREST STARTING 9.25% p.a.
HOME LOAN

Home Loan (Apna Ghar)

Purchase, construction, plot loan, or balance transfer with India's lowest interest rates and repayment up to 30 years.

  • Lowest interest rates from 8.40% p.a.
  • Repayment tenure up to 30 years
  • Balance transfer & top-up options
INTEREST STARTING 8.40% p.a.
QUICK APPROVAL

Personal Loan

Immediate unsecured funding for medical emergencies, weddings, education, or urgent family requirements with no guarantor.

  • Zero collateral or guarantor required
  • Quick bank credit within 24 hours
  • Flexible EMIs from 12 to 84 months
INTEREST STARTING 10.25% p.a.
WORKING CAPITAL

Business Loan

Expand your trading inventory, purchase machines, set up a factory, or manage working capital cash flow seamlessly.

  • High credit limits for traders & MSMEs
  • Overdraft (OD) & Term Loan facilities
  • Fast assessment with GST / ITR papers
INTEREST STARTING 11.50% p.a.
FARMER FINANCE

Tractor & Agri Implement Loan

Financing for new and used tractors, rotavators, threshers, and agricultural implements with harvest-cycle EMIs.

  • Funding for all top tractor brands
  • Half-yearly / harvest-based repayment
  • High LTV & minimal margin money
INTEREST STARTING 8.90% p.a.
AGRI CREDIT

Kisan Credit Card (KCC)

Timely, low-interest revolving credit for farmers to purchase seeds, fertilizers, and cultivation inputs at subsidized rates.

  • Subsidized interest rates from 7.00% p.a.
  • Easy renewal & high sanctioned limit
  • Direct liaison with Regional Rural & PSU Banks
INTEREST STARTING 7.00% p.a.
AUTO FINANCE

Car & Vehicle Loan

Up to 90-100% on-road funding for private cars, transport commercial vehicles, and trucks with quick paperless approval.

  • New & used vehicle financing
  • Disbursal within 48 hours
  • Tenures up to 7 years
INTEREST STARTING 8.75% p.a.
LIFE PROTECTION

Life & Term Insurance

Secure your family's future with high life coverage up to ₹1 Crore+ at low monthly premiums with critical illness riders.

  • Pure term plans & savings endowments
  • Accidental death & disability riders
  • Tax savings under Section 80C & 10(10D)
PREMIUM FROM ₹499 / mo
CASHLESS HEALTH

Health Insurance (Mediclaim)

100% cashless hospitalization across 10,000+ top network hospitals for your entire family with zero co-pay options.

  • Individual & Family Floater coverage
  • Pre & post hospitalization expenses covered
  • Cumulative NCB bonus up to 100%
STARTING AT ₹15 / day
ZERO BALANCE

Savings Account Opening

Digital savings account opening in leading private & PSU banks with instant virtual debit cards and mobile banking.

  • Zero balance & premium banking accounts
  • High interest rate on savings balance
  • Quick doorstep or video-KYC service
ACCOUNT OPENING Instant
PRE-APPROVED

Credit Card Solutions

Pre-approved lifetime free credit cards with cashback, airport lounge access, fuel surcharge waivers, and rewards.

  • Cards from HDFC, ICICI, SBI, AU, Axis
  • Up to 50 days interest-free credit
  • Welcome vouchers and cashback deals
ANNUAL FEE Zero / Free
360+ CA SERVICES

GST Registration & Filing

Goods & Services Tax compliance. Fast registration, monthly GSTR-1 & 3B, annual audit, and Input Tax Credit (ITC) reconciliation.

  • Fresh GST registration in 3 to 5 days
  • Monthly GSTR-1, 3B & annual GSTR-9
  • GST notice handling and audits
MONTHLY PLANS ₹499 / mo
MAX REFUND

ITR (Income Tax Return)

Expert ITR filing for salaried, business owners, traders, and farmers. Maximize legal deductions and ensure fastest refunds.

  • ITR-1, 2, 3, 4, 5 filings with CA check
  • Capital gains & trading tax computation
  • Essential financial document for high loans
STARTING AT ₹399 Only
GOVT SCHEME

MUDRA Loan (Govt Scheme)

Collateral-free government funding for small businesses: Shishu (up to ₹50k), Kishore (up to ₹5L), and Tarun (up to ₹20L).

  • Zero collateral or mortgage needed
  • Subsidized interest rates
  • Documentation & online portal assistance
INTEREST STARTING 8.50% p.a.
UP TO 35% SUBSIDY

PMEGP Loan & Subsidy

Prime Minister’s Employment Generation Programme with 15% to 35% direct government subsidy grant on manufacturing & services.

  • Up to ₹50 Lakh for manufacturing units
  • 15% to 35% government capital subsidy
  • Detailed Project Report (DPR) included
GOVT SUBSIDY 15% - 35%
DIGITAL EMPOWER

Website & Software Development

Responsive high-conversion corporate websites, retail billing software, custom ERP, and Android/iOS mobile applications.

  • Custom mobile-responsive web design
  • GST billing ERP & POS barcode systems
  • Google My Business local SEO ranking
STARTING FROM ₹4,999
Zero Cost • Expert Advisory

Book Free Financial Consultation

Get personalized guidance directly from Sunil Kumar Sahu (Ex-ICICI, HDFC, Mahindra Finance). Submit your query below and it will immediately open in WhatsApp.

Consultation Application Form

Fill out the details below. Our senior banking desk will review your requirement and reach out promptly.

Why Consult Kanak Finance?

  • 100% Free Consultation

    No upfront fees or hidden charges for checking loan eligibility or advice.

  • Direct Banker Guidance

    Reviewed by Sunil Sahu with 15+ years experience in ICICI, HDFC & Mahindra Finance.

  • Fastest Disbursal

    Direct tie-up with 25+ banks cuts through processing delays and unnecessary visits.

  • Doorstep Service

    Document pickup and hassle-free assistance right at your home or shop in Bhadra.

Direct Phone Line

+91 9588039128

Monday to Saturday: 9:30 AM to 7:30 PM
Bhadra Hanumangarh Rajasthan

Head Office & Reach Us

Contact Kanak Finance

Visit our office in Bhadra, Hanumangarh, Rajasthan or get in touch via phone and WhatsApp for immediate support.

Call Us Directly

+91 9588039128

Mon - Sat: 9:30 AM - 7:30 PM

WhatsApp Support

+91 9588039128

Instant chat & file status updates

Official Email

Kanakdhanlaxmifinancialservice@gmail.com

Corporate tie-ups & proposals

Registered Office

Bhadra Hanumangarh Rajasthan

Bhadra, Rajasthan : 335501, India

Send Message via WhatsApp

Fill out the form below to chat directly with our loan manager.

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