Chief Executive Officer
Expert Guidance for
Every Financial Journey
At PayYou Advisory, we simplify complex financial decisions with trusted guidance, tailored loan solutions, and access to leading banks and financial institutions—helping you move forward with confidence.
Your Trusted Partner for
Smarter Financial Decisions
PayYou Advisory Pvt. Ltd. is a DSA (Direct Selling Agent) / loan referral and advisory company. It helps individuals and businesses explore suitable financing options through its network of partner banks, NBFCs and lending institutions. PayYou assists customers in understanding and processing loan applications for Personal Loans, Business Loans, Home Loans, Loan Against Property, Vehicle Loans, Gold Loans and other financing products such as insurance (Motor Insurance, Health, Life, Travel, etc.) and mutual fund investments such as Fixed Deposit and Recurring Deposit. PayYou Advisory Pvt. Ltd. is not a lending institution and does not directly provide, sanction or disburse loans.
25+
Leading Partners
100%
Customer Satisfaction
5
Years of Experience
100+
Loan Processed
Vision
To become the preferred choice of financial services partner for India's aspiring classes, meeting the full range of their credit requirements and helping India become a financially inclusive society where every citizen has ready access to formal channels of finance.
Mission
PayYouAdvisory Private Limited is dedicated to the mission of bringing convenience to people's lives and making their lives easier. We offer secured and unsecured credit to meet their varied financial needs from instant loans.
Values That Define Us
Our values guide our decisions, build trust, and shape every customer experience.
Backed by 50+ Top Banks, NBFCs & Fintech Institutions
Authorized Direct Selling Partner operating under strict Reserve Bank of India compliance guidelines.
Why Trust Us
At PayYouAdvisory, we combine expertise, transparency and a customer-first approach to help you make confident financial decisions.
Transparent Advice
Honest and unbiased guidance with complete clarity at every step.
Wide Lending Network
Access to 50+ leading banks, NBFCs and fintech institutions in one place.
Customized Solutions
Tailored loan options based on your unique goals and financial profile.
Proven Track Record
Helping thousands of customers achieve their financial goals.
End-to-End Support
From application to disbursal, we're with you throughout the journey.
Trusted by Customers
Strong relationships built on trust, reliability and long-term support.
A Leadership Team You Can Trust
Our experienced leadership team brings together expertise, integrity, and a shared commitment to guiding every customer toward smarter financial decisions.
Deputy Managing Director
Mr. Vivek Bharucha
Executive Director
Mr. Shrinivas Raghavan
Group Head
Mr. Abhijit Singh
Chief Executive Officer
Mr. Sashidhar Mishra
Deputy Managing Director
Mr. Vivek Bharucha
Executive Director
Mr. Shrinivas Raghavan
Group Head
Mr. Abhijit Singh
Your Goals.
Our Smarter Loan Solutions.
Our Loan Advisory Offices
Prefer to talk face-to-face? Visit any of our offices for expert loan and financial guidance.
Corporate Office 1
Office No. 3, 4, 5, 6, Vishal Arcade, Chapekar Chowk, Opp. to Sonigara Jwellers, Pimpri Chinchwad (Municipal Corporation), Haveli, Pune, 411033.
Maharashtra, India
Registered Office
Plot No-92, Laxminagar, Phaltan Dist Satara - 415523
Corporate Office 1
Office No. 3, 4, 5, 6, Vishal Arcade, Chapekar Chowk, Opp. to Sonigara Jwellers, Pimpri Chinchwad (Municipal Corporation), Haveli, Pune, 411033.
Maharashtra, India
Registered Office
Plot No-92, Laxminagar, Phaltan Dist Satara - 415523
Corporate Office 1
Office No. 3, 4, 5, 6, Vishal Arcade, Chapekar Chowk, Opp. to Sonigara Jwellers, Pimpri Chinchwad (Municipal Corporation), Haveli, Pune, 411033.
Maharashtra, India
Registered Office
Plot No-92, Laxminagar, Phaltan Dist Satara - 415523
PayYouAdvisory FAQs: Everything You Need to Know
Categories
Browse by topic to find answers relevant to your loan, insurance, or investment questions.
Can't Find What You Need?
SUBMIT QUERIESLoan advisory is a financial solution that analyzes your credit profile and offers the best loan for you. At PayYouAdvisory, connect directly with the top loan lenders, banks or NBFCs, for the best in terms of approval, ROI and tenures. This way, instead of you applying randomly at multiple places, you get an all-in-one solution.
We are an authorized loan advisory and are associated with 25+ banks and NBFCs regulated by RBI. Thus you get to compare multiple options at one place. We clearly outline every step to ensure you encounter no surprises.
No. Our loan advisory service is completely free to borrowers. We are paid by our lending partners, not you.
Yes. Apply from anywhere. The whole process, from checking loan eligibility to final disbursal, is digital, so you can apply from anywhere.
As your one-stop loan advisory, we help with personal loans, business loans, home loans, loans against property, gold loans, vehicle loans, education loans, and more.
Your income, other commitments, credit score, and the lender's internal criteria all contribute to whether you will be eligible for a loan. We have a dedicated loan eligibility calculator that gives a quick indication before you apply.
ID proof, address proof, income proof, and bank statements are usually required. The exact list varies from loan type to lender, and we clarify during loan assistance.
Yes, you can compare interest rates and different loan options from our multiple lenders side-by-side so you can make an informed decision with full visibility.
Secured loans are backed by collateral (property, gold, etc.) and typically carry lower rates. Unsecured loans (such as most personal loans) do not require collateral, but they rely more on your credit profile.
The lender and loan type can impact how fast digital pre-approval leads to disbursement, which can be as quick as 24–48 hours.
It is better to take loan protection or term insurance so that you do not put your family in a burden with the EMI repayment in case of any unforeseen event.
Term insurance is pure risk cover and available at lower premiums. Life insurance may have savings or investment components along with the cover.
Yes. We compare health insurance plans as part of our financial solutions based on your coverage needs and budget.
Yes, all vehicles are legally required to have third-party motor insurance. While comprehensive cover is not required, it is recommended.
No. Our insurance advice, as with our loan advice, is free of charge to you.
We help you with fixed deposits, recurring deposits, SIPs, and savings/current account solutions. All these options make investments easy and low on risk.
FDs are a safe bet for guaranteed, low-risk returns. These are perfect if you're more focused on capital safety than high growth.
Yes. Many borrowers have small recurring investments or FD-linked SIPs as part of their savings plan along with the EMI payments so that their monthly cash flow is not affected.
Both. As an experienced loan advisor, we focus on loans primarily but also advise you on simple investment options to strengthen your overall financial position.
For most borrowers, the minimums for recurring deposits and daily saving plans are low enough to make them accessible.
The EMI is determined by your loan amount, interest rate, and tenure. Use our free loan EMI calculator to estimate it instantly before applying.
Most lenders provide the option to prepay or make a part payment to reduce your EMI or tenure. We will help you understand terms, as they vary based on the lender and the type of loan.
Missing an EMI can impact your credit score and may attract late fees. If you know you will be delayed in payment, call us early and we will help you explore options.
Some lenders allow you to change the date of your EMI. It is contingent upon the individual bank's policy, and we as your loan advisor can check this for you.
Longer tenure lowers your EMI but raises the total interest payable. Our EMI calculator helps you compare tenures and choose the optimum level.