Who does what
Every loan we help with involves three parties. You decide what you need, share accurate information and choose whether to accept an offer. Atlanta Group listens, checks your profile, compares suitable options, prepares your application and stays with you until the money is paid out, at no charge to you. The lender, which may be a bank, an NBFC or a registered private finance provider, assesses your application, decides whether to approve it, sets the rate and terms, signs the agreement with you and pays out the money. Atlanta Group is not a lender and never makes that decision.
How our lending partnerships work
We work with a range of associated banks, NBFCs and registered private finance providers. Each one has its own credit policy, and we cannot change it; our job is to know those policies well enough to put your application where it is likely to be considered. We do not publish a list of lenders, but for every option we suggest we name the bank or NBFC before your application is submitted, and every sanction letter, Key Fact Statement and agreement comes to you from it, not from us.
What the rules require of lenders and their agents
Since October 2024, banks, NBFCs and housing finance companies must give you a Key Fact Statement before you sign a retail or business term loan. It shows the annual percentage rate, which includes interest and charges, and the repayment schedule. Newer RBI directions issued in 2026 require banks to bind the agents they work with to the bank's code of conduct and to publish lists of those agents. A digital loan must also name the lender behind it. These rules exist to protect you; use them.
Your documents
We ask only for the documents a lender will need for your type of loan, and we tell you why each one is needed. We check them with you before submission, so nobody comes back for missing papers, and we tell you where your file is going before it is sent. If anything more is asked for during the assessment, your relationship manager tells you what and why.
The five stages of a loan
- Enquiry and profile checkYou tell us what you need; we look at your income, existing EMIs and credit report and tell you honestly what is realistic.
- Comparison and applicationWhere available, we compare two to three suitable options, you choose one, and we prepare and submit a complete application.
- Lender assessmentThe bank or NBFC verifies your documents, credit record and income, and for secured loans values the property and checks its legal title.
- Sanction and acceptanceIf approved, you receive a sanction letter and Key Fact Statement; we go through them with you, and you decide whether to accept.
- Disbursal and repaymentAfter the formalities are complete, the money is paid out, and you repay it in EMIs until the loan is closed.
Sanction is not disbursement
A sanction is the lender's approval in principle, set out in a sanction letter with the amount, rate, tenure and conditions. Disbursement is when the money is actually paid, to you, to a seller, to your business or to your existing lender. Between the two, you accept the offer, sign the agreement and meet any conditions, such as registering a mortgage or providing a missing document. Until the money is disbursed, the loan is not yet yours to use.
How long from sanction to disbursal
It depends on who is lending, the type of loan and how quickly the conditions in the sanction letter are met. Unsecured loans are generally quicker; home loans and loans against property take longer because of legal checks, valuation and registration, and loans for under-construction homes are often paid out in stages. As an indicative planning guide, not a guarantee: lender assessment and verification takes about 3–10 working days or more, and sanction, acceptance and disbursal then depend on the lender and the completion of formalities.
After the money is paid out
Once the money is paid out, the loan is a matter between you and the bank or NBFC. You pay your EMIs to it, it sends your statements, and any part-payment or early closure is arranged with it under your agreement. When you close a secured loan, collect the no-dues certificate and your original property documents. Your relationship manager stays available if you need help understanding a statement or planning a prepayment.
If something goes wrong
If you have a problem with a lender, raise it first with its customer service and then its grievance redressal officer. If it is not resolved, you can complain to the RBI Integrated Ombudsman for banks and NBFCs. If you have a concern about Atlanta Group, call us on +91 84470 44297, and if anyone claiming to be from Atlanta Group asks you for money, do not pay and tell us at once.
Not sure where you stand?
Tell us your income, existing EMIs and what you need. We will check your profile free of charge and explain which options may be worth exploring before you apply anywhere.
Frequently asked questions
Who do I pay my EMIs to?
Always to the lender, through the method set out in your loan agreement. Never pay an EMI, a fee or a deposit to Atlanta Group or to any agent: we do not collect payments on a lender's behalf.
Can I go straight to the lender after speaking to you?
Yes. You are always free to approach any lender directly. Our aim is to help you choose well; whether you apply through us is entirely your decision.
Can I decline a loan after it is sanctioned?
Yes. A sanction is an offer, and you can choose not to accept it. Once you have signed and the money is paid out, you can usually repay early under the agreement's terms, and digital loans come with a short cooling-off period in which you can exit by repaying the amount and its proportionate cost.
What happens if the lender declines my application?
Your relationship manager finds out why, from the feedback, the decision letter or your credit report, and explains it to you. Then we look at what could change the outcome, such as a different lender, a smaller amount, a co-applicant or correcting your credit report, before anything is submitted again.
Does Atlanta Group pull my credit report?
The bank or NBFC checks your credit report as part of its assessment, with your consent. We can help you get and read your own free credit report first, so you know what will be seen before you apply.
Who is my contact once the loan is running?
The bank or NBFC that lent to you, for EMIs, statements and any changes to the loan. Your Atlanta Group relationship manager stays available if you need help understanding something or planning a prepayment or balance transfer later.
Written by the Atlanta Group team, which has helped people explore loan options since 2010. Last updated 5 November 2026. Atlanta Group is not a lender. Loans are provided by our associated banks, NBFCs and private finance providers, who decide on eligibility, approval, rates, fees and terms. Approval is never guaranteed.