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Nothing in the world is more dangerous than sincere ignorance and conscientious stupidity | Martin Luther King, Jr.

Integra Personal Finance Digest:  Ever since the first coins were minted millennia ago, people have been trying to find the best financial advice. In addition to advice from an accredited banker or financial planner or expert about managing money, the articles here will serve you well as you build your net worth.

One of the most basic rule in money management: ‘spend less than you earn, then the need to borrow money should be both temporary and rare‘, can be the toughest to accomplish. The art is not in making money, but in keeping it — as they say. We live in a complex world and knowledge in financial matters is extremely crucial for our financial well-being.

One can have the best of qualifications and even financial education but lack of knowledge is ignorance.

It is our constant endeavor at Integra FinServe, to bring you articles, relevant news, tips, trends, blogs and expert opinions through our Integra Personal Finance Digest.

Integra FinServe is a Financial Services Firm dedicated in offering solutions to complex personal financial issues.

We offer the entire bouquet of products through our Partnership with Stock Holding Corporation of India Limited (111840) | HDFC Ltd. (21U74) | ICICI Bank – Mortgages (182872) | ICICI Bank – Personal Loan (208046) | State Bank of India (MUM60132) | Dewan Housing Finance Corporation India Limited (9341) | PNB Housing Finance Limited (7380000343) | Capital First Limited (20909) | Reliance Home Finance Limited (8012724) | Reliance Capital Limited (8012724) | Fullerton India – Personal Loans (PPCMUM53781) | Life Insurance Corporation Of India (52931) | Reliance Securities Limited (K01480001) | Regd. with NSE (AP197376361) & BSE (AP0109590125372) |

Products: Home Loan & Mortgage Specialists

Vision Statement:

  • To offer the best possible personal financial solution from the customer’s life goals perspective.
  • To be of genuine help to home buyers in availing Home Loan best suited for him and in his best interest.
  • To guide customers in matters related to credit, loans and credit behavior.

Mission Statement: To disburse 120 loans in FY 16 – 17.

Highlights:

  • Certificate of recommendation in Jan 2015 from SBI Branch Business leader for outstanding work and ZERO NPA.
  • Selected as Exclusive Partner for SBI SME Asset Backed Loans w.e.f. 1st Mar 2014.
  • Awarded for Second Best – Home Loans sales numbers for State Bank of India, Borivali to Talasari on 27th July 2013.
  • Only partner to have been awarded a Recommendation Letter from SBI.
  • The only SBI Channel Partner to be recognized across all Central Processing Centers in Mumbai and Pune Region. 
  • Referral from satisfied clientele – based business model where each client has atleast one aquaintance having experienced our service.

Call or Whatsapp on +919322286765 for FREE consultation

Disclaimer

* Integra FinServe does not guarantee assured returns on any investments or sanction of loan products recommended by it.  All investments are subject to market risks and are made at the sole discretion of the investor. Our advice is not meant to be a substitute for other inquiry or investigation or caution that one should undertake or exercise in connection with any decision relating to home loans, mortgage, investments, financial plan or correction/improvement in credit information reports. To the fullest extent permitted by law, Integra FinServe owes no duty to the recipient of advice, whether in contract or in tort or under any statute or otherwise (including in gross negligence) and will not be liable for any direct/indirect damages or losses suffered or costs incurred by the recipient with respect to or in connection with the advisory / consultancy services. Documents provided for availing any of the services are dealt with utmost care and confidentiality but at the sole responsibility of the client. They are submitted to the concerned Bank or Financial Institution. In case of cancellation of services, the documents are shredded immediately. Further more this website / blog is an endeavor to compile articles, news reports, interviews, other relevant pieces of information already available in the public domain.  Integra FinServe has given credit to the respective authors of the articles or content appearing on its website including the source on a best effort basis.  The contents of this Web site (including, without limitation, their arrangement and layout; names and logos; and text, illustrations and artwork) may be the copyrighted property of the original creator of the material and may be protected under applicable copyright and trademark laws. If the reader finds instances of any aberration or offence in use of information may please immediately notify us here.  Web site may contain links to third-party Web sites, which are provided as a convenience to users without making any claim or warranty of, and is not responsible for, any information found in a linked Web site. We encourage you to check the disclaimers and other legal notices provided on such linked sites.

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74 comments

  1. Vineet

    Very well constructed site ….and very informative ….I will like to visit here again and again for my financial requirements and guidance . All the best.

    • Integradmin

      Thank you Vineet. You have been a great mentor to us… your further suggestions are also welcome.

  2. Capt.Kedar Deshmukh

    Very good experience,integra has a professional approach & the process of getting a home loan was made hasslefree.

    • Integradmin

      Thank you Capt. Kedar Deshmukh! Its a pleasure to serve such a soft spoken gentleman. Grateful for all the referrals you continue to give us.

  3. Manoj Poduval

    Very thought through and well constructed site. ATMs are definitely a hit!!!! Very professional, unbiased and clear views on the issues that matter. Great job done by Integra Fin serve Team…

  4. HARISH DAYAL DAS

    I have taken a loan of Rs. 40 lakhs from a bank and bought a flat in mumbai. Equitable mortgage of loan was created on 20-04-2013. the bank informed me on 1-06-2013 that a notice of intimation has to be filed. by this time more than one month had passed. it seems the only option available with me is to pay 1% (rs. 30,000/- max.) and get the mortgage deed registered. Is it not the duty of the bank to have informed me about the process of filing the notice of intimation. Can I sue the bank for the damages as I will now have to pay Rs.30,000/- instead of Just Rs.1,000/- . How else is a common man supposed to get information about the process of filing the notice of intimation of a mortgage deed ?

  5. Devesh Lokre

    Professional and to the point approach made my loan transfer process extremely smooth and easy. So in all a very good experience.

  6. Dipen

    I had surplus money. If i repay home loan partly and then i need that surplus money than i have to sell my house. I was reluctant to transfer my loan to SBI Max Gain account. Through the professional services of Mr. Munir and SBI, i managing my liquidity through this account very nicely. It is a best option which lets you know how much interest you are paying and how much prinicipal to be paid.
    Just transfer your loan to SBI MAX Gain – 100 percent a better bet

  7. Ajit Godbharle

    Transferring home loan to SBI is never easy but with Integra it was almost haslefree for me, thanks to Munir, very professional.. Maxgain is simply superb, we can park surplus cash there with good interest and liquidity…keep up the good work and wish you all the best..

    • Integradmin

      Thank you Ajit Godbharle! It is a pleasure to serve a gentle person as you. Grateful for your referrals that you continue to support us with.

  8. Mitesh

    I would like to thank Munir from IntegraFinserve for all the advice and inputs that he has provided to me during my process of filing the notice of intimation for mortgage.

    His advice was really valuable – I must say that Integrafinserve is an extremely professional and competent financial services provider.

  9. SHRIRANG GORNAL

    Excellent Service from integrafinserve in sanctioning of housing loans from Nationalised Banks like SBI. My disbursement of SBI maxgain come true within 15days.
    Committed and professional approach from integrafinserve team is highly appreciated.
    First choice for me in future financial services.
    Best of luck.
    Shrirang Gornal

  10. Abhishek Bajoria

    I would like to thank Munir for providing me door to door service for my part disbursement on monthly basis, I have never expereince such type of service from any other agent. thanks a lot for such great service.

  11. Hitesh

    Integrafinserve helped me to get a home loan from SBI bank which got sanctioned in March 2015. The service provided by integrafinseve was excellent. I never visited bank branch till I have to sign loan agreement with bank. Also provided full guidance right from initiating application process for pre approval till filling notice of intimation.

  12. Rakhi

    Hi Munir – without u it was impossible for me to get my home loan passed. you have been a great help to me & too lot of people. After the disbursement also i have come up with any query u have always been there to help.. & i know one thing for sure if any body wants a HL i just give them your number.. this was my first exp to buy a HL, without your support it was just not possible.
    Thanks a ton from me & my family, wishing u all the best & great success.
    Best Regards, Rakhi

  13. Sameer K

    Hassle free service….
    I remember my first interaction with Mr. Munir K.(Integra Finserve) more than a year ago. I was then willing to take a home loan from SBI for one of the residential property in Mumbai however, due to urgency of paying money to the builder within over a days time, I had to opt for some other financial institution.
    However, after over a years time I once again contacted Mr. Munir for transfer of my Home loan to SBI Maxgain. And, I must say thanks and give all credit to Mr. Munir K. for helping me transfer my home loan smoothly to SBI Maxgain. Mr. Munir guided me well on all possible queries which any new customer, like me, will have and ensured hassle free service at all times.

    Another most important aspect of loan transfer service which was rendered to a working professional like me was, all the documentation procedure of loan transfer was carried out from my office premises itself except for signing the final loan agreement with SBI. This surely saved my official leaves and gave me a freedom in saving my valuable time not running around bank.
    I wish all the success to Mr. Munir K. and Integra Finserve and wish them good luck to keep up the good work !!!
    And looking forward to continue seeking valuable financial information which is shared though regular News Letters.

    Thanks & Regards,
    Sameer K

  14. Sandeep Khanna

    I have been associated with Integrafinserve for long. Not only mine, but many of my colleagues & friends have also taken loan / transferred loan to SBI. Integrafinserve has been a big facilitator for all the processes & documentation required. As a professional, one of the hassle for getting loans through PSU banks is running around after them. Integrafinserve has filled this gap. The services provided were superb. Congrats or the good job…special thanks p Munir for creating such a platform….

  15. Rahul Mehrotra

    Munir from Integra Finserv has made home loan santion from SBI very easy & completely hassle-free experience. Being a satisfied customer, i have recommended Integra to many friends & colleagues. Good work Munir & thanks for support.

    Rahul Mehrotra
    Associate Director, Nielsen India

  16. Hitesh Modi

    I really have best experience dealing with Munir. I can blindly approach him for my any loan need. Great assistance. Thanks / Hitesh Modi

  17. Amod Gadgil

    “I wanted to transfer my existing home loan because tge bank was charging a big interest under floating. I was referred to integrafinserve by my friend. It was a good decision. I was guided throughout the process considering my needs. Entire proposal went thru quick. I am very satisfied with the customer oriented service and personal attention.”
    Amod Gadgil
    Asst Manager
    ThyssenKrupp Industrial Solutions (India)

  18. Sandesh Shejwal

    I availed home loan facilitation service from Mr. Munir Kulavoor in Nov 2014. Initially, I was quite sceptical when I was approached from his side with a proposal to balance transfer as he was not an employee of any bank. He explained me the benefits of SBI MaxGain Home loan product and I was convinced about his theory of paying lesser interest by depositing surplus cash available with you to home loan account and thereby reducing the liability tenure at accelerated pace. The product also helps you to meet your emergency needs by enabling you to withdraw the surplus amount instantly at anytime for that matter.

    Salient points about service from Integra FinServe (Mr. Munir Kulavoor):
    1. You are not reqd to visit the bank or anywhere, they provide doorstep service right from providing you the form till collection of all the documents. Only at the stage of documentation you are reqd to visit SBI Home Loan branch.
    2. Never disturbs you by repetitive calls to avail his service and gives sufficient time to think about the product.
    3. Helps close the process in surprisingly low time (since I was availing loan from SBI, a PSB, I had mentally prepared myself to wait for 2 to 3 months before sanction of the loan nor I was in hurry as it was anyway balance transfer). He closed the loan from ’application’ till ‘sanction & disbursement’ within 20 – 22 days.
    4. He indirectly helped me to change my mindset towards PSB (to be precise SBI), the officers at SBI were really cooperative and had helped and guided me to complete the formalities in very friendly way and treated me really well. Not to mention in record least time.

    The most interesting part in the process is Mr. Jayesh (a young, little thin junior college boy) assisting Mr. Munir to help the clients to complete the formalities without any hurdles. Jayesh comes from a small time family at Ghatkopar attends his college in the morning and joins Munir to manage the show so that customers will get the loan in least possible time and in the process earns some livelihood to himself and his family along with some knowledge which I am sure he will use in his career ahead. Jayesh keeps on plying from station to station from Virar to Dadar and even central suburbs collecting the documents and assisting customers to fill the forms. Hats off to this young boy, who manages his studies as well as work, not an easy task indeed. He deserves special thanks.

    Thanks so much Munir, for I need not worry now about increasing or decreasing floating interest rates in the market, as I know mine will be the cheapest rate always. Thanks to SBI MaxGain product which helps me control my interest cost rather than depending on market forces to lower the interest rates 
    Thanks so much Integra FinServe !!!
    Sandesh Shejwal
    Sr. Manager,
    L&T Finance

  19. Monu Tandon

    Kudos to Munir n Integrafinserve, one stop solution to all financial matters… Have transferred a loan and processed a new loan through him…hassle free and surgical precision defines the services provided by Integra…have recommended to many friends and they also share the same feedback.
    All the best!!

  20. kumar narayan

    Dear munir,
    Thank you very much, without your assistance my today’s online mortgaging would not have been possible its just because of you, i saved almost 1500rs.
    Not only that the way you guided me throughout the online filing clearly stated that how professional, experienced you are.
    I wanted to do this on my own, without any agent and man you really made sure that i did it.
    In today’s date where no offers free service, you not only offered me service but also gave your precious time of more than a hour.
    God bless you and you will definitely go ahead in your life and you will disburse more than 100 loans this FY.

  21. Nayeem

    I always used to think that transferring loan to SBI would be difficult, but it was made easy by Integra Finserve, A very special thanks to Mr. Munir for his professional and friendly guidance.

  22. Rohit Poojary

    Thank You Munir, for the Hassle free and quick service provided.
    I was under the impression that it will take me ages to transfer my home loan from a Private bank to a Govt. Bank, was really amazed by the time it took to get the transfer done without any trouble.
    Right from the initiation of the transfer to complete move over was really smooth.

    Thank you for all the help and guidance.

    Regards,

    Rohit Poojary.

  23. Padmanabhan

    I was referred to Integra FinServe sometime around last year for a housing loan that i needed.
    I met Munir who explained the pros and cons of various banks and we narrowed down on SBI (which eventually was a great decision) Munir was also patient while me and my wife went around the whole of Mumbai trying to narrow down a good house for us, within our budgets.
    After we narrowed down on the house, Integra FInServe helped us personally by attending some crucial meetings with the broker / agents making sure that all the relevant documents were collected for the loan, and the entire loan process was also very smooth thanks to their personal touch. They also made life easy for us by sending his assistant Jayesh to collect / deliver documents to and fro between Wadala and Borivili 🙂 I must also mention here that Jayesh is a smart lad for his age and has a great sense of responsibility and respect for time.

    Thank You Integra FinServe

  24. Manoj Chaudhari

    It was indeed superb support by Mr. Munir to get through this process of home loan haslefree. I never expected home loan will happen from SBI. It is sincere efforts by Mr. Munir and his associate Mr. Jayesh.
    Mr. Jayesh is student but still he understand things properly. It is indeed learning curve for him under Munir’s guidance.
    Thank you guys… Looking forward to work along with again.

  25. Alankar Tiwari

    Hi Munir,

    It was indeed a positive experience in getting my loan with SBI.The entire process was very transparent and hassle free.

    Your dedication, work ethics and prompt response is really commendable.

    Do keep the good work. I will continue recommending Munir and SBI Housing loan to all the personnel within my network.

    Wish you all the best.

    Thanks & Best Regards,

    Alankar Tiwari

  26. Rukhsar Sidhwa

    It has indeed been a very pleasant experience liaising with Munir for obtaining a home loan sanction especially after being rejected twice. He has not only been helpful in sorting out matters with the bankers but has also suggested the optimum solutions. If I were to describe his services in short, it woukd be “Hassle-free One-stop Solution” for home loans!!!
    Thanks Munir.
    Best Regards,
    CA. Rukhsar Sidhwa,
    Senior Consultant – Taxataion, Suresh Surana & Associates LLP, Mumbai.

  27. Behzad Elavia

    I was refereed to Munir by a friend, the words used by him to describe Munir were ” a gem of a guy & you will be impressed to recommend him to others “…..those words were not wrong . I had applied for a loan sanction which he got done in no time. Later , while processing the loan he was equally efficient with documentation and processing . I got stuck with SBI due to certain documentation issue . He quickly did the back ground check with HDFC and got the loan done within a week.
    Another thing that impressed me was his concern for his client he almost ” spoon fed ” me with the IGR process which is to be done within 30 days of loan disbursement …that value add saved me a lot of time and money …
    Keep up the good work ! Thank you Munir !

  28. Sachin Sanil

    Hello all

    Taking this opportunity to share my candid feedback about the team at Integra and Munir Kulavoor.

    I cannot begin this unless I say a thank you to my friend and colleague – Mr. Bhaskar Thouti for referring me to Munir. I called up Munir one fine day and my home loan journey began. He has a great level of knowledge, deep insight about the market and an absolute thorough product knowledge. I was always skeptical approaching a Nationalized bank for a home loan knowing about their conventional old school banking and a too lengthy documentation process as compared to private and foreign banks. To my astonishment, it was a different experience overall. Munir convinced me to go for SBI Max Gain home loan after he explained the salient features of the product. He understood my requirements and guided me in the most appropriate manner.

    To begin with the journey – my first personal interaction was with a young, college attending fair skinny boy who is a key member of the Integra team. He is an enthusiastic, good to talk with and a very committed guy who loves his job. His name is Jayesh Mane, who attends college and also runs the show for Munir. He is a hard worker and supplements his family income carrying a smile on his face always. All the best to you young boy – I’m sure you will make it big someday..

    Munir Kulavoor – A reliable person, who shared his knowledge, his granular level of experience and expertise with me at every stage of the home loan process. He is indeed very approachable and holds a very good level of communication. He shares a great rapport with the Bank personnel’s which makes the lives of the customers very easy. Munir kept me updated at every level of the process and I was very happy with the end to end service he provided to me. In fact, I saw my Branch and SBI RACPC only towards the final stage of the process. Munir is committed and a very genuine person who ensures customer delight by making the process very smooth and easy. I respect and liked all of my interactions with him. He sent me communication emails on time and I very much appreciate his response levels. His service delivery is absolutely fantastic and I had a delightful experience working with him.

    Munir is a man with an absolute solid vision and I’m sure this attitude will help him build a good fortune and Integra will be a big company some day. I wish him all the best in his journey of success.

    I have a lot of friends and colleagues. Whoever is looking out for a home loan – trust me … “Munir” will be the name I will refer to.

    Thank you Munir and the Integra Finserve team. It was a pleasure interacting and working with you !!

    Please stay in touch.

    Regards
    Sachin Sanil

  29. Hemant Salokhe

    Hello Everyone,

    Its my pleasure to say few words about Mr. Munir and Mr. Jayesh. I was introduced to them by my friend who has taken help of this team during his home loan process. When i had my first talk with Mr. Munir, he told me entire home loan process and also explained me why I should go for SBI maxgain. He explained me each and every step in full detail, which helped me to start our loan process. He was very prompt in explaining each and every answer for my question. When i first started with the process I was having many question in my mind which was cleared my Mr. Munir and his team. When i first started my paperwork there come Mr. Jayesh who helped me prepare my paperwork and he was the one who take care of my document submission in SBI bank. I really appreciate Mr. Jayesh for helping us complete all paperwork in time, and travelling to and fro, to submit our documents in Bank. Once my document got submitted Mr. Munir and his team kept me updated about my loan process at each and every point of time. We got our loan approved in 15 days time frame, which is amazing when you talk about getting it approved from SBI.

    To say more about Mr. Munir he is very knowledgeable person with great personality and helping nature. Also Mr. Jayesh is very hardworking and eager to learn personal, he is very humble and always ready to help you no matter what it takes.

    I will really give a word for this team and say that we can trust them, when we talk about any type loan or documentation. I will kept this in mind and will refer to my friends and colleagues.

    Thanks a lot Mr. Munir and Mr. Jayesh. It is my absolute pleasure to interact with you.

    Regards,
    Hemant.

  30. Anup

    Hi,
    Thanks Mr.Munir & Mr Jayesh for providing very good support ,In future also if we required any loan definitely i will call you.

  31. curllyme

    This was first time I was entering into a house loan. I had only heard about how difficult, lengthy and painful it gets. How banks & agents give you a hard time for the money that you need. But thanks to Integra Finserve, the whole process was so smooth and quick. They take care of everything that you need to know from the bank & everything that the bank needs to know about you. A perfect solution for any type of loan. I had the best of experience while dealing with Munir. Thank you so much for everything that you did.

  32. Bhaskar Thouti

    Hello guys, here is my key points why you need to go for Integrafinserve(Munir):

    1. It’s your best choice for your LOAN requirement :
    Before I say, why it’s a BEST Choice, let me talk about Mr.Munir.
    =>Mr.Munir is professional and at same time he talks like is a family member(Very Supportive/Understanding/Patience).
    =>He is more disciplined, punctual and passionate towards his work.
    =>’Knowledge is Power’ – he deserves this, he has wide variety of knowledge when comes to Finance-Loans
    (you can refer his website or have a talk with him)
    => “You wont believe, he makes you so comfortable and your Loan requirement is fulfilled.”
    => Last but not the least, He understands the CLIENT/CUSTOMER needs/requirements very well.

    2. Knowledge :
    => Email Updates – Once in a month, I definitely get a email about recent happenings and knowledge sharing articles.
    This will not only help you about knowing RBI/Banks rate cuts and accordingly you can take appropriate action on your
    Loan and understanding the Finance (which we need to know case to case).
    => You become confident about your self – when you possess knowledge and share with people.

    3. Service:
    => Door Step Service : What else we need here, I could remember, I hardly went(once/twice) to SBI bank for my home loan.
    When comes to Door Service – Mr. Jayesh is person to help you out.
    In this busy life, we hardly get time, and to solve this Mr.Jayesh comes to the rescue.
    Jayesh is a Young and Calm. He is very Sincere and Passionate when comes to work.
    He never fails to collect your documents and deliver safely, timely at required destination.
    He is very comfortable when comes to collecting documents, he never deny/argue with you.
    Any location he comes and collect your documents.
    I could remember, I have given my documents at Elphinstone Railyway Station and he is waited out for me.

    So, Guys, As a Customers what else we need when comes to choose the best.

    “I would personally recommend, please talk to Munir and explain your requirement and see the MAGIC, that’s all I can say.”

    ALL THE VERY BEST MUNIR, your are always in my mind when comes to Loan, I will keep on recommend your name.

    As I can see in above comments Sanil has already posted and am very much happy to see those comments for you.

    You Truly DESERVE.

    Cheers,
    Bhaskar Thouti.
    (Mumbai)

  33. Sandeep Gore

    Hi,
    I would like to say few words regarding my experience with Mr. Munir & Mr. Jayesh while transferring home loan from LICHFL to SBI.
    Mr. Munir having complete & detail knowledge. He is having solution to your all queries instantly. Mr. Jayesh effort for managing given time is remarkable. He is always ready to help you at any time.
    I will definitely suggest those who are planning for home loan just contact once Mr. Munir. He will give detail information & help you thought your home loan procedure.
    Thanks Mr.Munir & Mr Jayesh for providing excellent support ,In future also if we required any loan definitely i will call you.

    Regards,
    Sandeep Gore

  34. Navin Bangera

    Hi,
    I have had a great experience with Mr.Munir. To begin with I was little reluctant to approach SBI for a housing loan as I knew public sector banks take a while to process the loan. Also me being a NRI makes it all the more difficult to follow up and close documentations with the bank. Private banks would have been an easier option for me however would cost more. I was assisted very well with Munir and Jayesh to get the loan processed in a jiffy. Also appreciate his support after the loan is sanctioned and his liasoning with my bankers for solving all the queries.
    Would strongly recommend …
    Good Job Munir and Thanks a ton !!!

    Navin Bangera

  35. Snehal Mhatre

    Hi, I would like to share my experience of transferring my home loan from one of the reputed NBFC to SBI. since it was a balance transfer I already knew how stringent and time consuming the process is…thankfully one of my friend suggested me to send the application trough Mr. Munir (Integra Finserve) and I’m so glad he did 😊. I have never seen any loan process so convenient and hassle-free..no followups no pending queries no frequent visits.. infact in my case I had to visit the branch only once that to for the documentation purpose. My entire home loan process was closed in less then a month’s time. Here the applicant only needs to provide the required documents and every thing else is taken care by Munir & team, in that matter even document related queries are also resolved very efficiently…must say guys you are doin a gr8 job…keep it up..definitely you have a long way to go.

    A big thankyou to Munir and Jayesh..

    Regards,
    Snehal Mhatre

  36. Ajitkumar

    Hi Munir,

    Thanks for all your help and support which you provided to me for my loan procedure, it would have been very difficult for me without your help, also i would like to thanks Jayesh who cordinated and helped me to collect all required documents from the place i told him to collect, he is very dedicated guy. it was very great expierence to talk to you in any problem in this process, you explained me everything very calmly.

    Regards,
    Ajitkumar Kamble

  37. Karan Gupta

    Hi,
    Munir and Jayesh as a team have shown a commendable effort in helping me avail a home loan without letting me experience any kind of pain which is normally seen while availing a home loan. Munir is a true professional and knows what a person’s mental state is when he applies for a loan.Great job guys and keep up the good work.

    Regards,
    Karan Gupta

  38. Dilip chougule

     Hi all, It was a great experience to transfer my home loan to SBI. This is only because Mr. Munir I always thought SBI has very hectic n lengthy process of loan. But he made me wrong with his clever n thorough knowledge of whole process. It wasn’t happened I approached him with some problems and I haven’t got any solutions. He welcomes us for guidance. I am also very glad to know about his madness for fitness. I will say perfect person for all your financial solutions. I also wanted to thank Jayesh who Co ordinated and helped me to deliver my documents on time. I will definitely recommend him to all my well wishers and wish him good luck for future.

  39. Moiz

    @ Munir – I would like to thanks Munir and his team member Jayesh for providing me door to door service for my HL application and disbursement for SBI Maxgain scheme.
    Munir and Jayesh has made my HL sanction from bank; like SBI very easy and completely hassle free.
    I really have best experience dealing with Munir. I approach him for any loan need.
    Big thanks to Munir and Jayesh to providing excellent support.

  40. Sushil S Jadhav

    Dear Readers

    My Journey with Integrafinserve

    Every Individual aspire for a house and takes lot of efforts to finalize one where he is probably going to stay rest of his life when it comes to buy a loan from a Bank its quite confusing as everyone has their own set of rules and you may not know which one to choose same was my situation but things changes when I met this professional start-up “Integrafinserve” which stands on a strong value system with one clear objective Customer Satisfaction.

    Munir and his team member Jayesh has taken lot of efforts to make sure that my high value home loan case is handled with outmost care and the entire process was handled professionally . I want to see this firm to reach to new heights. Strongly recommend to every one for all of your financial needs please do check with this firm first and then only move ahead . Lastly I want to say Munir and his firm truly demonstrate 3 D’s Desire Dedication and Determination towards their work.

    Cheers!!

    Sushil Jadhav

  41. Tushar Vijay Gawad

    At the outset, I would like to thank Integrafinserve for having helped me with my home loan from State Bank of India (SBI).
    When I started my journey for securing a home loan, I was very apprehensive about approaching SBI, thanks to the numerous reviews I read as well as heard from people regarding the lengthy and tedious process at SBI. I was advised to secure a home loan from a private bank and then port the same to SBI. I secured the loan from HDFC and started working on transferring my loan to SBI. During this process, I came across Integrafinserve and started interacting with Munir. I must appreciate Munir for constantly being in touch and receptive to numerous queries I had. I must confess here that I am a very demanding customer. About 6 months down the lane with help of Munir, I managed to successfully transfer my home loan from HDFC to SBI. I have had a very good experience with Integrafinserve and have already recommended their services to my family as well as friends. All the best Munir for all your future endeavors. Keep up the good work!

    Regards,
    Dr. Tushar VIjay Gawad
    Manager-Administration, Wockhardt Hospitals Limited

  42. Amey T

    Knowledge driven guidance by Integrafinserve.
    Coordinated for my Home Loan requirement with Mr. Munir from Integra. To my surprise, it was done withing an amazing TAT of 8-10 days. Further, also gave detailed guidance on the product offerings and later had efficient team to handle disbursement procedure. Based on the same, I even referred him to my colleague for Home Loan.
    Thank you Integra and keep doing well.

  43. Deepak Thombare

    Very helpful.
    Good work done by Munir & team.
    His advice was really valuable. Well organised Financial services provider.
    Because of this our loan got sanctioned easily & hassle free.
    I must say this is highly recommended.
    Thanks to Munir & special thanks to Jayesh Mane & Mihika Kadam. Great job guys….
    Regards,
    Deepak & Chitra

  44. Abhishek Shrivastava

    I’m using Integra Finserv services since March 2013 and got good customer service and experience. We transferred our Home Loan account from Indian Bank to SBI MaxGain Home Loan account. This is an excellent solution as I could use the OD Facility (without taking any other loan) to buy Car, Consumer Products and also provides liquidity equal to loan amount. I found the Integra team exceptionally professional and trust worthy.

    Regards,
    Abhishek Shrivastava
    Global Head – Talent Acquisition & Staffing Business

  45. Nitin B Patil

    I really appreciate the exceptional work done by Mr. Munir for my top up loan work. He explained me each process in detail along with all documentation requirement this result in sanction and disbursement of my loan in less than expected time. Thanks for the same and keep on doing good work.

  46. Jitendra Salunkhe

    You all are awesome! I really appreciate the work done by Mr. Munir and Team( Mihika Kadam and Jayesh Mane) for my SBI Home Loan.
    It’s totally different experience compare to what I heard from others for Home Loan process from SBI.
    Because of Munir and Team, Its very easy and fast process. Specially his assistance at each stage like pre-approval, documentation, disbursement and after disbursement.

    Again Thank you very much Munir and Special Thanks to Mihika Kadam & Jayesh Mane.

    Regards,
    Jitendra Salunkhe

  47. Dilip Chougule.

    Hi all,
    I have approached Mr. Munir for my new loan for second time. This time he recommended Mr Mukesh from HDFC for quicker disbursement. I am very pleased to say Mukesh has given me very nice service throughout my disbursement n submitting it to my builder on time. In today’s life we have lot of important work to do but due to time constraints we can’t. But if u have person like Mr. Munir n Mukesh then just be BINDHAST. They will do our work so seriously n sincerely.
    I am again very glad with Mr. Munir for his support n good suggestions on time to time.
    Just give a chance to these dedicated people, believe me u wl thank them from bottom of ur heart.

    I wish them all the best for all their current n future assignments.

    Dilip Chougule,
    Principal Engineer – Civil,
    Tecnimont pvt. Ltd,
    Malad West, Mumbai.

  48. Ashok Khandelwal, Senior Vice President, Yes Bank

    I am feeling good to share the my experience on home loan. Mr. Mukesh was my executive who helped me a lot in sanctioning the Home loan in very short period of time. He also kept follow me to complete all the required formalities to disburse the home loan on priority. Thanks Mr. Munir for your kind help and support in getting maximum amount of loan from HDFC Ltd. Mr. Munir has vast experience on financial product which help me to complete my financial for home loan. I also wish to thank Mr. Srikant – Branch Manager- HDFC – he is very proactive in extending full support and help to customer for early sanction as well as disbursement of Home loan. Thanks Mukesh, Munir and Srikant for your great help and support.

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