Don't Sign Your Sanction Letter
Until You've Read This
Most borrowers sign without checking 6 clauses that cost them ₹50,000–₹3 Lakh extra. Finvastra reviews your sanction letter before you commit — free, confidential, no obligation.
What We Check For You
A sanction letter can contain up to 40 clauses. Here are the 8 that matter most — and where borrowers typically lose money.
Why This Matters
A sanction letter is not a final agreement — it is a negotiating document. Most borrowers don't know that.
A Hyderabad homebuyer received a sanction letter from a private bank at 8.75% with a processing fee of ₹45,000 and a bundled insurance premium of ₹1.2 Lakh added to the loan principal. The insurance was presented as mandatory at the time of offer.
After Finvastra's review, the borrower switched to a PSU lender: rate reduced to 7.25%, processing fee brought down to ₹15,000, and the insurance was decoupled entirely. Total saving over 20 years: ₹1.4 Lakh.
Scenario is representative. Outcomes depend on individual profile, credit history, and lender policies at the time of application.
Request Your Free
Sanction Letter Review
Tell us about your loan and our advisor will reach out within 4 business hours. No documents required at this stage.
Frequently Asked Questions
Is this review really free?
Yes. We charge zero for the review. Our advisory is funded by the lender if you choose to proceed with their offer. If you don't proceed, there is no cost — ever.
Do I need to share my documents?
No. We only need your sanction letter — a standard bank document with no personal financial data such as bank statements, salary slips, or identity documents.
How long does the review take?
We typically respond within 4 business hours of receiving your sanction letter. For complex or multi-lender comparisons, it may take up to one business day.
What if I have already signed?
You can still speak with us about a balance transfer if a better offer is available from another lender. Balance transfers are possible at any point during your loan tenure, subject to your lender's terms.
Is my data safe?
Yes. We do not share your information with lenders without your explicit consent. Your sanction letter and personal details are used solely to advise you and are not stored or shared beyond this purpose.