Frequently asked questions

Perfect Finsec Pvt. Ltd.

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Straight answers on Home Loan, loan against property and eligibility in Delhi NCR, Uttar Pradesh, Haryana and Rajasthan — including Jewar and Jaipur. A Perfect Saathi confirms every file after a visit.

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Frequently asked questions — Perfect Finance. Lifestyle photograph, not a customer portrait.

What is Perfect Finmart?: Perfect Finmart is the brand of Perfect Finsec Pvt. Ltd., an RBI-registered NBFC founded in 1996 in Green Park, New Delhi. Reaching the unreached: Home Loan, Loan Against Property and vehicle finance for cash-income families in Delhi NCR, Jewar (Uttar Pradesh), Haryana, Rajasthan and Jaipur — including Jaipur Patta. Unbanked is not unbankable. Call 9899106930.
Is Perfect Finance the same as Perfect Finmart?: Yes. Perfect Finance is the trade name. Perfect Finmart is the brand. The legal company is Perfect Finsec Pvt. Ltd., CIN U74899DL1996PTC075818, RBI-registered. Same desk, same Perfect Saathi.
Do you reply on WhatsApp?: Yes. Perfect Saathi is one shared desk. The chat on this website and WhatsApp from ads use the same Perfect Channel Flow service. Chatbot WhatsApp is 919990566610. A visit still decides the file. Chat is not a sanction.
What is the Perfect Finmart story?: Perfect Finsec Pvt. Ltd. was registered with the RBI in 1996 in Green Park, New Delhi, to sit with families who had a house and a shop but no bank file. Reaching the unreached. Unbanked is not unbankable. The shop is the income. The home is the security. A Perfect Saathi still visits in person.
How are you different from a bank or a large NBFC?: A typical bank wants ITR and a fully registered house. Many large NBFCs want a bigger ticket and a cleaner CIBIL file. Perfect Finsec Pvt. Ltd. is an RBI-registered NBFC reaching the unreached — cash income, GPA, Lal Dora and Jaipur Patta under Perfect Plus, tickets from ₹10,000 to ₹20 lakh, a Perfect Saathi at the door. We are not a payday app. Unbanked is not unbankable.
Who do you actually sit with?: Kirana shopkeepers, masons, electricians, drivers, tailors, tea-stall owners, household workers and cash-income families in Delhi NCR, Jewar (Uttar Pradesh) and Jaipur. Informal income is not a reason to refuse a conversation. The loan is usually against the self-occupied house — the family’s life savings — and every owner becomes a co-applicant.
Do you lend only against the house we live in?: Most files are against a self-occupied home. That house is usually the family’s entire savings, so a Perfect Saathi visits residence, workplace and property. Eligible commercial property is also considered for LAP. GPA, Lal Dora, family-transfer and Jaipur Patta are taken under Perfect Plus when you live in the house.
Can I get a loan without salary slips or ITR?: Yes. Informal and cash income is assessed in person using trade-specific grids, household surplus and a visit to home and workplace. Papers help; they are not a gate.
Do you lend on GPA / power of attorney property?: Yes, under Perfect Plus, if the property is self-occupied, in your possession, not already mortgaged, and not on our negative-area list. Family-transfer, Lal Dora and Jaipur Patta (JDA / municipal) are also considered.
Do you give loans in Jaipur, including on Patta properties?: Yes. Perfect Finsec Pvt. Ltd. has a presence in Jaipur. Home Loan, Loan Against Property and Perfect Plus files — including self-occupied Jaipur Patta (JDA / municipal allotment papers) — start by phone, WhatsApp or the online form. A Perfect Saathi visits home and property. Call 9899106930.
Is there an NBFC in Jewar, Uttar Pradesh?: Yes. Perfect Finsec Pvt. Ltd. is an RBI-registered NBFC serving Jewar, Gautam Buddha Nagar, Uttar Pradesh. Home Loan, Loan Against Property and vehicle finance. The nearest walk-in branch is Noida; a Perfect Saathi visits families in Jewar. Call 9899106930.
Are you hiring in Jaipur and Jewar?: Yes. Perfect Finsec Pvt. Ltd. is hiring Field Executives and Sales Executives in Jaipur (including Jaipur Patta work) and in Jewar, Uttar Pradesh. Apply at perfectfinmart.com/jobs-in-jaipur or perfectfinmart.com/jobs-in-jewar, or send a CV to admin@perfectfinmart.com.
How fast is the process?: Go / no-go within 3 days of login, financial approval within 5 days. We aim for disbursal in five working days with your timely cooperation. This is a service target, not a guarantee.
Who can apply?: Salaried and self-employed borrowers aged 25+, not more than 65 at loan maturity, with a bank account, living in Delhi NCR, Uttar Pradesh, Haryana or Rajasthan. All owners and income-contributors become co-applicants.
Where does Perfect Finance offer loans?: Perfect Finsec Pvt. Ltd. offers Home Loan, Loan Against Property and vehicle finance in Delhi NCR, Uttar Pradesh (including Jewar), Haryana and Rajasthan (including Jaipur). Eleven branches sit across Delhi, Gurugram, Noida, Faridabad and Ghaziabad. Jaipur Patta properties are taken under Perfect Plus. A Perfect Saathi visits families across these states.
Is Perfect Finsec an ethical NBFC?: Yes. Perfect Finsec Pvt. Ltd. is an RBI-registered NBFC. We assess in person, explain the file in your language, publish a grievance desk, and do not run payday-app style unsecured credit. Rate is set after a visit — the website EMI is illustrative.
Is Perfect Finsec a good place to work?: We aim to be. Field executives, accounts and sales work as Perfect Saathis — doorstep credit with respect for the customer and for the colleague. Open roles are listed on the careers page.
What can I use the money for?: Home purchase or construction, renovation, children’s education or marriage, medical needs, shop stock and working capital, vehicle purchase, and lawful balance transfers.