Sanvika Credit Advisory Private Limited is a Mumbai-based loan agency helping salaried customers with personal loan, debt consolidation, balance transfer, overdraft facility and credit advisory services.

The company is led by Santoshkumar Gupta, who has been working in the banking and financial services industry since 2008. Before founding Sanvika Credit Advisory Private Limited, he worked with leading financial institutions including HDFC Bank Limited, Axis Bank Limited, Bajaj Finance Limited, Credfine Digital India Private Limited and Aditya Birla Finance Limited, primarily in the personal loan segment.

Having spent more than 17 years in personal loan sales and credit-related financial services, he has developed practical understanding of customer eligibility assessment, lender requirements, credit evaluation parameters and common reasons behind loan rejections. This experience helps customers receive profile-based guidance before applying for a loan.

Over the years, Santoshkumar Gupta has also assisted numerous customers in identifying credit report issues, understanding bureau reporting concerns and taking appropriate steps towards credit profile correction wherever applicable.

At Sanvika Credit Advisory Private Limited, the focus is on transparent guidance, responsible lending assistance and helping customers explore suitable options through multiple banks and NBFCs while avoiding unnecessary loan applications and multiple hard enquiries.

Today, Sanvika Credit Advisory Private Limited serves customers across Mumbai and other locations, helping them with personal loan, debt consolidation, balance transfer and credit advisory requirements.