About Us

I am Ravinder Bhutani, Founder of Joy Loan

In March 2012, I started, Joy Loan after 11 years of experience in financial sector.

I started my first job in 2001 where I worked for CASA in IDBI Bank Later I worked in Indusind Bank. Then I worked for wealth management in Centurion Bank which later became part of HDFC Bank.

From 2006 till Feb 2012 I worked in Life Insurance with ICICI Prudential, Future Generali and Aviva Life Insurance.


In mid of 2011, I came in touch with my first job’s colleagues and friends Naveen Prashar and Manzar Imam. Both of them are successfully running their mortgage businesses in different part of Delhi NCR. They were influential for me to start mortgage business.

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Who Are We

Here in Joy Loan, we are a small team of professionals who are highly experienced in helping people like you.

We can serve you in home loan, loan against property and all commercial loans. For retail loans, we serve Delhi and NCR. Yet for High value cases, we can serve you in entire North India or more depending on merit of your case.

What We Do

Since starting, it was my choice to build a customer centric business, not bank centric. So, we have been expending our network of financial institution to get you right solution for your loan.

It is because of our wide network, you can get loan on many challenging property and income types through us. We have handled, many loan cases otherwise considered difficult.

For home loan and loan against property, you can get loan on wide variety of properties including without map, Lal Dora and Unapproved location (with sale deed). Apart from this, you can also get loan on property with other challenges.

For commercial loans, we serves complete spectrum of loans for your need. With us you can get loan for educational institution, hospital, hotel, project loan for manufacturing and service sector.

You can get your loan based on different incomes and assessment methods. For home purchase, we can get you loan without income proof and on liquid income assessment. For loan against property and commercial loan, turnover and future provisional income can also be considered along with other merits

Why We Are Different

We are independent loan coordinator. Therefore, we don’t works for a specific bank, but we works for you. Before we choose a financial institute for you, we do in-depth analysis of your profile and mortgage available. We have been helping people like you to make your loan simple.

We works with wide range of mainstream financial institutions. We gets you perfect solution for your requirement from top name in financial business so you gets all benefits you deserve.

You gets low interest rate on you loan, so you make significant saving. We gets you most economical loan, better than our competitors can offer. When you choose us, be assured of massive money saving, profit generating loan deal.

Our distinguished high speed service helps you get quick loan for your requirement. To save your time, our doorstep service is available to you in entire Delhi NCR.

Since we provide solution to many non-standard cases, we take a one-time loan coordination charges fraction of cost. Yet you risk nothing, as pay only on sanction of loan. I must tell you, our competitors may charge you double or more compared to our small charges.

Why Choose Us

We are independent loan consultant. Because of this, we do unbiased, in-depth, insightful analysis of your profile and requirement.

We gets you loan from mainstream, largest and leading financial institution. We gets you excellent offer and better than our competitor’s rates. A loan thorough us gives massive saving in your EMI.

With our committed and efficient team you get comprehensive and continued support in your loan. We are local, professional and experienced in helping people like you.

Out team gives you free and express fast doorstep service anywhere in Delhi NCR. For trouble-free and effortless quick loan, I recommend you to send your details right now.

Fun Facts About Me

I was born on 25th July 1978 in Palwal, that time part of Gurugram. I am living in Faridabad since I can remember.

I got married to Swati on 24th March 2010. We got blessed with a son on 30th November 2011. No guessing! His name is Joy.

Me and Joy likes horror movies, which Swati is afraid of. On TV I loves watching infotainment channels. Generally I do not gets remote between cartoons and daily soap. Yet, I have watched every Man vs. Wild.

I deeply loves, nature photography. As a child, I used to make every cutting of nature photo from news paper. I occasionally do phone photography when I see some good scene or object. Here are few shots from mobile

Since few days I am attempting 5K running with C25K. I cannot stop laughing when I hear Joy say ”Hawa Nikal Gui”. Yet he puts best efforts for his age

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