Popular Financial & Fintech Services
Quick approvals, lowest interest rates, and end-to-end doorstep assistance in Vadodara and across India.
Personal Loan
Immediate collateral-free personal loans for salaried & self-employed with minimal documentation.
- Loans up to ₹50 Lakhs
- Lowest Interest from 10.49%
- Flexible Tenure up to 7 Years
Business Loan
Unsecured working capital and growth capital for small businesses, retailers, traders & manufacturers.
- Capital up to ₹2 Crores
- No Collateral Required
- Fast Disbursal in 48 Hours
Home Loan & LAP
Turn your dream home into reality or unlock high liquidity against residential/commercial property.
- Loans up to ₹10 Crores
- Low EMI & Long Tenure (up to 30 Yrs)
- Balance Transfer + Top-up
E-Yojna (Mudra & MSME)
Government-subsidized schemes for startups, entrepreneurs, women founders & MSMEs with high subsidy support.
- PM Mudra (Shishu, Kishore, Tarun)
- PMEGP up to 35% Govt Subsidy
- CGTMSE Collateral-Free Cover
CIBIL Check & Repair
Expert dispute resolution, removal of negative remarks, and tailored consulting to boost credit score to 750+.
- Free Instant Credit Health Analysis
- Overdue & Settlement Dispute Resolution
- Guaranteed Loan Readiness Plan
Insurance & GST / ITR
CA-assisted tax filing, GST registration & returns, plus cashless Health, Term Life and Motor Insurance.
- Maximum Tax Refund Guidance
- 100% Cashless Health Insurance
- FASTag, Demat & Account Opening
Loan EMI & Repayment Calculator
Adjust sliders below to calculate your estimated monthly installment and find the perfect loan structure.
Get Approved in 4 Simple Steps
We eliminate paperwork hurdles and bank queues with our rapid digital underwriting.
Choose Service
Pick from our 400+ services including business loans, personal credit, insurance, or taxation.
Instant WhatsApp Chat
Connect with our dedicated Vadodara advisor in 1 click to review documentation and eligibility.
Swift Bank Approval
We match your file with over 100+ partner banks & NBFCs to secure the lowest interest rate.
Direct Disbursal
Approved funds are credited directly into your bank account with complete transparency.
The Nikunj Capital Advantage
Authentic, transparent, and prompt financial guidance across Gujarat.
100+ Lending Partners
Tied up with all leading private banks, nationalized institutions, and premier NBFCs across India.
Fastest Processing
Enjoy digital verification, rapid sanctions, and turnaround times as quick as 24 to 48 hours.
0% Hidden Charges
Complete transparency in fee structure, processing rates, and legal compliance.
CIBIL Score Friendly
Low credit score? Our specialists provide active dispute resolution and tailored approval pathways.
Vadodara Local Office
Visit our branch at Waghodia Road anytime for face-to-face consultation and doorstep paperwork pickup.
Dedicated WhatsApp Advisor
Stay updated on your loan application status round the clock via real-time WhatsApp notifications.
What Our Vadodara Clients Say
Over 15,000 customers have realized their business expansion and personal milestones with Nikunj Capital.
"Nikunj Capital helped me secure a ₹25 Lakhs business expansion loan under the Mudra & CGTMSE scheme within just 4 days. The team handled all bank paperwork effortlessly!"
"My CIBIL score was around 640 and two banks had declined my home loan. Nikunj Capital's credit repair team corrected errors and got my ₹45 Lakhs home loan sanctioned at 8.4%."
"Super fast service! I applied through their WhatsApp form in the morning and my personal loan of ₹6 Lakhs was credited the very same evening. 100% recommended."
About Nikunj Capital
Empowering thousands of individuals, retailers, and enterprises across Vadodara & Gujarat with authentic financial guidance, lowest interest rates, and seamless credit access.
Built on Trust, Driven by Financial Excellence
Headquartered at Shiv Spandan Height on Waghodia Road in Vadodara, Nikunj Capital was founded with a singular purpose: to bridge the gap between ambitious individuals, business owners, and India's leading financial institutions.
Traditional lending is often plagued by confusing paperwork, hidden bank charges, and slow approval cycles. At Nikunj Capital, we have digitized and demystified the process. Offering an expansive spectrum of over 400+ services—ranging from collateral-free business loans and personal loans to government subsidized e-yojna schemes, insurance, taxation, and CIBIL dispute repair.
Empowering Financial Dreams
"To become Gujarat's most reliable and transparent multi-service financial destination, ensuring that every entrepreneur, salaried professional, and family gets timely credit and wealth solutions tailored to their exact goals."
Tied Up with 100+ Leading Banks & NBFCs
Nikunj Capital works in direct coordination with premier financial institutions to ensure unmatched choice and preferential loan sanction rates.
400+ Financial & Fintech Services
Browse our comprehensive portfolio of retail loans, commercial financing, government subsidies, taxation, utilities, and digital banking solutions. Apply for any service on WhatsApp in 1 click!
Personal Loan
Quick, unsecured personal loans for weddings, travel, medical emergencies, or education with lowest paperwork.
- ₹50,000 to ₹50 Lakhs
- Interest rate starting 10.49% p.a.
- Tenure: 12 to 84 months
Business Loan
Working capital, machinery purchase, and inventory expansion funding tailored for shopkeepers, traders, and SMEs.
- Funding up to ₹2 Crores
- Based on GST turnover & banking
- Sanction in 48 hours
Home Loan
Finance new flat purchase, bungalow construction, plot purchase, or renovation with tenure up to 30 years.
- Up to 90% property value funding
- PMAY subsidy guidance
- Balance transfer with extra top-up
Loan Against Property (LAP)
Monetize your residential, commercial, or industrial property to access substantial funds at attractive interest rates.
- Up to ₹10 Crores liquidity
- Lower interest rates than unsecured loans
- Flexible EMI or Overdraft limit
New Car Loan
Drive home your dream passenger or commercial car with up to 100% on-road funding and minimal down payment.
- Competitive interest rates from 8.75%
- Quick paperless digital approval
- Tenure up to 7 years
Used Car Loan & Refinancing
Finance pre-owned cars from certified dealers or individual sellers, or take a top-up loan against your existing car.
- Up to 90% car valuation
- Fast RTO transfer assistance
- Refinance your paid-off vehicle
PM MUDRA Loan
Subsidized loans under Shishu (up to ₹50k), Kishore (up to ₹5 Lakhs), and Tarun (up to ₹20 Lakhs) for micro enterprises.
- Zero collateral required
- Concessional interest rates
- End-to-end DPR & project file preparation
MSME & CGTMSE Loan
Credit Guarantee Fund Trust for Micro & Small Enterprises scheme providing collateral-free loans for manufacturing & service units.
- Collateral-free cover up to ₹5 Crores
- Term loan + Working capital limits
- Full assistance with Udyam registration
PMEGP Government Scheme
Prime Minister's Employment Generation Programme with up to 35% capital subsidy for new projects and manufacturing units.
- Up to ₹50 Lakhs project funding
- 15% to 35% Govt capital subsidy
- EDP training and portal filing support
CIBIL Score Check & Repair
Professional credit report auditing to remove wrong defaults, settled remarks, DPD errors, and boost score to 750+ for easy sanctions.
- Detailed TransUnion CIBIL audit report
- Dispute filing with banks & credit bureaus
- Turn loan rejections into fast approvals
Cashback & Rewards Credit Cards
Pre-approved lifetime free cards, airport lounge access, dining discounts, and fuel surcharge waivers across top banks.
- Tie-ups with HDFC, SBI, ICICI, Axis, AU
- Up to 5% unlimited cashback
- Zero joining & annual fee options
Comprehensive Insurance
Guard your family and business with leading Term Life plans, 1-Crore Health Floater covers, and fast vehicle insurance renewals.
- Life / Term / ULIP / Pension
- 100% Cashless hospitalization claims
- Instant Car & Bike policy renewal
ITR Filing & GST Compliance
Experienced Chartered Accountant assisted tax filing, GST registration, monthly GSTR-1 & 3B compliance, and audit support.
- Salaried & Business ITR with max refund
- GST Registration within 3 days
- Complete accounting & balance sheet audit
Saving & Demat Account Opening
Open high-interest savings accounts with top banks plus zero brokerage lifetime Demat trading accounts for stocks & MF.
- Zero maintenance balance savings
- Free lifetime Demat account
- Instant digital Video KYC
Utilities, Bills & FASTag
One-stop hub for mobile recharges (Jio/Airtel/Vi), DTH, electricity & water bills, FASTag issuance, and gift vouchers.
- All Telecom & DTH operators
- Instant FASTag issuance & recharge
- Amazon, Flipkart & Brand Vouchers
Contact Nikunj Capital
Visit our office at Waghodia Road, call our senior underwriting team, or send a quick WhatsApp enquiry for instant assistance.
Office Address
SHOP NO FF /7 SHIV SPANDAN HEIGHT, GOVERDHAN TOWNSHIP WAGHODIA ROAD, VADODARA, Gujarat : 390004 India
Get DirectionsGet in Touch With Us
Fill details below. Your enquiry will be instantly formatted and opened on WhatsApp with our team!
Office Working Hours
Online Service & Loan Application
Fill out this simple form to assess your eligibility across 400+ services. Your details will be sent directly to our WhatsApp underwriting desk for instant preliminary sanction.
Nikunj Capital Application Form
Please provide accurate details for maximum approval chances.
Standard Documents Needed
- PAN Card & Aadhaar Card
- Latest 6 Months Bank Statement (PDF)
- Last 3 Months Salary Slips / Form 16 (Salaried)
- 2 Years ITR & GST Returns (Business)
- Property Documents (for Home Loan / LAP)
