Corporate Background & Governance
About Earth Wealth Group
Founded by Ranjana Chaurasia with 15 years of loan advisory experience, Earth Wealth Group empowers borrowers across India with transparent, rate-benchmarked personal loan comparison and dedicated bank coordination.
đź“Ś Key Takeaways: What You Should Know About Earth Wealth Group
- 15 Years Advisory Heritage: Founded by Ranjana Chaurasia on the foundational conviction that every applicant deserves full rate and fee transparency with no false promises.
- Authorized Distribution Intermediary: Earth Wealth Group operates strictly as an authorized Direct Selling Agent (DSA) partner connecting prospective borrowers with RBI-regulated commercial banks and NBFCs.
- Strict Zero Advance Fee Policy: We do not charge borrowers any upfront processing fees, advisory charges, or application fees. Our advisory assistance is 100% free for applicants.
- Non-Lender Declaration: We are not a bank, Non-Banking Financial Company (NBFC), or money lender. Loan underwriting, approval, interest rate calculation, and disbursals are executed directly by our partner institutions.
Founder’s Story & Vision
"For the past 15 years, I have helped people understand and choose the right loan. Over this time, I saw the same problem again and again. Many borrowers decide on a loan without fully knowing the interest rate, the fees or their own eligibility. Some get rejected because of the wrong guidance, and some end up with a loan costlier than they needed."
"Earth Wealth Group began with a simple idea: make the loan process clear, honest and easy to follow. We are an Authorized DSA partner, not a lender. Our job is to help you reach the right bank or NBFC for your profile, and we never charge any advance fee at any stage."
"My vision is that every applicant should be able to decide with the full picture in front of them, with no hidden charges and no false promises. That is why we show the sources behind our rates and terms, and why we do not promise what we cannot deliver."
— Ranjana Chaurasia, Founder & Proprietor
1. Who We Are and What We Do
Headquartered in New Delhi, Earth Wealth Group was established to eliminate information asymmetry in the Indian retail credit ecosystem. Securing a personal loan in India often involves navigating complex interest rate slabs, varying processing fees, hidden foreclosure terms, and aggressive sales pitches.
As an authorized sourcing intermediary, Earth Wealth Group bridges this gap. We provide consumers with single-window access to benchmarked lending options, helping salaried professionals, self-employed businessmen, and corporate executives evaluate multiple bank quotes side-by-side before their credit file is formally evaluated.
Our seasoned loan advisors manage the complete administrative lifecycle—from initial FOIR (Fixed Obligation to Income Ratio) calculation and KYC verification to doorstep document coordination and direct bank liaisoning.
2. Our Core Operating Pillars
🛡️ 100% Transparent Advice
We present net borrowing costs—including interest rate ranges, processing fees, GST, and foreclosure lock-ins—without withholding critical clauses.
đźš« Zero Upfront Charges
No customer ever pays advance cash, verification deposits, or registration charges. All legitimate lender fees are deducted directly from the sanctioned disbursal amount.
đź”’ Strict Data Confidentiality
Your personal financial details and documents are shared only with the specific bank or NBFC you explicitly select, in full adherence to RBI Digital Lending guidelines.
3. Our Lending Partner Ecosystem
We maintain sourcing partnerships across leading private commercial banks and systemically important NBFCs regulated by the Reserve Bank of India:
| Lender Partner | Lender Category | Starting Rates* | Max Loan Ticket | Tenure Range |
|---|---|---|---|---|
| HDFC Bank | Scheduled Commercial Bank | 10.50% - 24.00% | Up to â‚ą40 Lakhs | 12 to 72 Months |
| ICICI Bank | Scheduled Commercial Bank | 10.65% - 16.00% | Up to â‚ą50 Lakhs | 12 to 72 Months |
| IDFC FIRST Bank | Scheduled Commercial Bank | 9.99%* (Prime) / 10.49% Std | Up to â‚ą1 Crore (Prime) | 12 to 84 Months |
| Axis Bank | Scheduled Commercial Bank | 10.75% - 22.00% | Up to â‚ą40 Lakhs | 12 to 60 Months |
| InCred Financial Services | RBI Registered NBFC | 13.99% - 32.00% | Up to â‚ą15 Lakhs | 12 to 60 Months |
*Note: Data benchmarks compiled from official bank disclosures as of October 2026. Final sanction, APR, and underwriting decisions rest solely with the respective lender.
4. Corporate & Regulatory Compliance
Earth Wealth Group conducts all sourcing operations in strict alignment with the Master Direction on Digital Lending issued by the Reserve Bank of India (RBI).
Founder & Proprietorship: Ranjana Chaurasia, Proprietor
Co-founder & Leadership: Mr. A. Chaurasiya, Principal Loan Advisory Lead & Operations Partner
Registered Corporate Office: Plot No. 28-B, Block D, Kiran Garden, Uttam Nagar, New Delhi - 110059, Delhi, India
GST Identification Number (GSTIN): 07AQBPC7855Q2ZA
Official Email: info@earthwealthgroup.com | Customer Helpline: +91 79999 99163
Customer Grievance Redressal: In case of unresolved queries, refer to our dedicated Grievance Redressal Mechanism.
Mandatory Non-Lender Disclosure: Earth Wealth Group is an authorized Direct Selling Agent (DSA) partner connecting borrowers with RBI-regulated commercial banks and NBFCs. We are an advisory distributor, not a bank, NBFC, or direct lender. We do not charge any upfront or advance processing fees. Final loan approval, interest rate, loan amount, and tenure are decided solely by the respective lending institution.