“Keep integrity in your interactions and conduct with bankers and clients “ - Kartik Nagda - Chief Business Officer , Hiranandani Financial Services Limited

Why Us

AARK RFS PRIVATE LIMITED is a Delhi based company working towards excellence in Retail Financial Services.

Our core strength lies in our working experience in the banking industry and in particular, the advance side of banking. We target integration of client credit requirement in keeping with his capacity and capability to service debt with the concerned financial institution without diluting credit prudence and integrity.

Our aim is to build a healthy and long term relationship with you. We seek perfection through customer satisfaction by providing you the best product.

Our Expertise


Loan Against Property - LAP

It is Mortgage Loan for personal or business needs.Both residential and commercial property can be mortgaged for taking a loan against property.


Overdraft / Dropline Over Draft - DOD

Dropline Overdraft is a secured credit facility wherein, an Individual /Entity can overdraw from the current account upto an agreed limit. Overdraft is an efficient form of borrowing as you pay interest for only the amount withdrawn and this form of credit provides flexibility. DOD /OD is particularly good for self employed professionals and non professional ,where booking capital requirement is needed for day to day transactions.

personal-loan copy

Personal Loans

Personal Loan is an unsecured loan provided by banks and financial institutions to meet personal exigencies.


Housing loans

Home Loan is finance provided by a bank or a financial institution to enable its customers to purchase or construct or improve their homes.

Loan Against Rent Receivables / Loan Against Rental Discounting - LARR / LRD

It is a Loan Facility designed, considering the growth potential in the real estate in various metros and urban centres, where many commercial properties and office spaces are being developed and the owners approach banks for loans against securitisation of future rent receivables from such properties.Properties involving lessees, who are reputed corporations/institutions/PSUs/Banks/MNCs, may be preferred. Loan against Rent Receivables with an objective to address the financial requirement of applicants having self owned property given on rent & enable them to get the liquidity against the expected future rentals of the property.


Business Loans

Business Loan is a debt provided to the company or the self-employed professionals or business owners that are to be repaid along with the principal amount. Business Loans are typically unsecured in nature which means no collateral or security is required to borrow it.

Click here to download a checklist of documents required for different entities.

Our Team

Gaurav Gautam

He has a total working experience of 19 years with 17 years in banking which includes 4 1/2 years in ICICI Bank and 12 1/2 years in HDFC Bank, only mortgages. He did his schooling from Mothers International school, college from is to Venkateswara College,DU and part-time PGDGM from Narsee Monjee Institute of Management studies -NMIMS. He is a staunch believer of doing organic business.

Amit Kumar

Amit Kumar has done Masters in finance from Kurukshetra University and supports school children in CBSE affiliated schooling’s Panipat as a gesture of paying back to society.This very passion spills over into his professional domain where he works in the mortgage industry. His entire schooling is from Shambhu Dayal Modern school , Sonepat and education is from Kurukshetra University. He renders a special role to a CBSC affiliated school of his in Panipat by name of Cambridge Fields Global School having over thousand students. Simultaneously, he continues with this passion and association with Mortgage Industry. His 15 years of work experience covers working with Standard Chartered Bank, Deutsche Bank and HDFC Bank. He brings a lot of value to the team with his financial understanding, exposure and passion to work.

Shorya Bhardwaj

Shorya Bhardwaj has been associated with banking and nonbanking institutions, primarily at retail level. He understands retail strategy of the financial institutions and positions his clients requirement in accordance to that. He has a special knack to understand and synthesise Data. He carries 12 years of banking and financial management experience. He is MBA from MDU Maharishi Dayanand University in finance.

Say Hi!

Our address

AARK RFS Pvt. Ltd. A-16, Second Floor,
Aruna Asaf Ali Marg, Qutub Institutional Area,
New Delhi-110067



Call us: +91 93508 42493