Accessible and responsible credit solutions for individuals,
MSMEs, and businesses - structured lending, transparent pricing.
Our Highlights
Structured Lending For Everyone
Our Loan Products
RBI-regulated credit solutions tailored for individuals, entrepreneurs, and businesses
Loan Against Property
Unlock the equity in your property to fund business expansion, education, or personal needs - competitive rates and flexible repayment.
Personal Loan
Quick unsecured personal loans for medical emergencies, travel, education, or any personal need - minimal documentation, fast disbursement.
MSME Unsecured Loan
Collateral-free business credit for Micro, Small & Medium Enterprises - fuel your growth, manage cash flow, and seize new opportunities.
About Sarvotam Leasing and Real Estates Limited
Building Trust Through
Responsible Lending
Sarvotam Leasing and Real Estates Limited is an RBI-regulated Non-Banking Financial Company (NBFC) committed to providing structured and need-based financial solutions to individuals and businesses. We operate with a disciplined approach to risk management, ensuring every credit decision is fair, transparent, and aligned with our clients' financial goals.
Since 1990, we have served 2500+ borrowers across Punjab and beyond - building trust through consistent, compliant, and customer-focused financial services.
Our Track Record Speaks for Itself
Numbers That Matter
Since 1990, we have served thousands of borrowers across Punjab and beyond
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Finance For Individuals
Personal loans, Loan Against Property, and Vehicle Finance designed for salaried and self-employed individuals - minimal paperwork, transparent terms, and fast disbursal.
Finance For Businesses
Collateral-free MSME loans and Loan Against Property for business expansion, working capital, and growth - MSME-focused underwriting that looks beyond just credit scores.
Plan Your Repayment
EMI Calculator
Calculate your monthly EMI for any of our loan products quickly and easily
Loan Against Property
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Vehicle Loan
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MSME Business Loan
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Personal Loan
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Need-Based Credit Solutions
Loans & Finances
Structured lending solutions for every stage of your financial journey
Loan Against Property
Borrow against your residential or commercial property. Up to 60% of market value with flexible repayment and transparent terms.
Personal & Vehicle Loan
Unsecured personal loans for any need and vehicle finance for two-wheelers - fast processing with minimal documentation required.
MSME Unsecured Loan
Collateral-free business credit for MSMEs - working capital, equipment purchase, inventory, or expansion. MSME-focused underwriting.
Why Choose Sarvotam Leasing and Real Estates Limited
Committed to Your
Financial Success
We are an RBI-regulated NBFC with a customer-first approach, transparent pricing, and structured lending solutions designed around your real needs - not a one-size-fits-all approach.
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RBI Regulated & Safe
Fully licensed by Reserve Bank of India - every transaction and lending decision meets the highest regulatory standards.
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Fair Practices Always
No hidden charges, no fine print surprises - we disclose all fees, rates, and terms upfront because trust is built through honesty.
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Fast & Dedicated Service
Streamlined processes ensure quick approvals and fast disbursals - because we know time matters when you need funds.
Our Lending Principles
Responsible & Transparent Lending
Every loan product, process, and policy is designed around the real needs of our borrowers
Message from the Managing Director
A Word From Our MD
Mr. Swarn Singh is the Managing Director of Sarvotam Leasing and Real Estates Limited and brings over 28 years of extensive experience in operations and business management. After serving with distinction for 30 years in the Central Reserve Police Force (CRPF) and retiring at the rank of Deputy Inspector General (DIG), he took over the reins of the company.
His leadership reflects a strong foundation in discipline, governance, and structured decision-making - ensuring operational efficiency, credit discipline, and sustainable growth while upholding high standards of integrity and customer service.
- 28+ Years of Experience in Operations & Management
- Retired Deputy Inspector General (DIG), CRPF
- Committed to Transparent & Responsible Lending
— Swarn Singh, Managing Director, Sarvotam Leasing and Real Estates Limited
