Gaurav Dhameliya - Loans and Finance Expert
Verified finance expert

Gaurav Dhameliya

Loans & Unsecured Finance Expert · 6+ Years in Personal & Business Loans

With over 6 years across ICICI Bank, Bandhan Bank, Clix Capital, and SMFG India Credit, Gaurav brings deep DSA channel expertise to every loan guide and EMI calculator review at HelpForFinance. He specialises in unsecured personal loans, business loans, and helping everyday Indians understand their loan options.

6+

Years Experience

4

Institutions

1000+

Clients Advised

₹50Cr+

Loans Facilitated

Ratnaafin Capital Pvt. Ltd. BBA VNSGU 2019 Updated March 2026

Areas of expertise

Personal Loans Business Loans Unsecured Loans DSA Channel Management EMI Planning CIBIL Score Improvement Loan Against Machinery NBFC vs Bank Comparison Loan Eligibility Assessment

How Gaurav reviews content

  • Verifies all interest rates against RBI, RBI-regulated NBFC, and official bank sources before publication
  • Cross-checks EMI calculations against real loan scenarios from his 6-year DSA channel advisory practice
  • Updates reviewed content within 7 days of any RBI repo rate change or NBFC regulation update
  • Flags content for legal review by our advocate team member when loan agreement clauses are involved

Professional Experience

Ratnaafin Capital Pvt. Ltd.

Sales Manager — Machinery Loans
2024 – Present

Current position managing and scaling machinery loan portfolios.

SMFG India Credit Company Ltd.

Sales Manager
March 2024 – Present

Handling DSA Channel of unsecured Personal and Business Loans.

Clix Capital Services Pvt. Ltd.

Assistant Manager
November 2023 – March 2024

Handling DSA channel of unsecured business loans.

Bandhan Bank Ltd.

Sales Officer
August 2021 – November 2023

Handling DSA channel of unsecured loans, onboarding new agents and customers.

I-Process Services (India) Pvt. Ltd. — ICICI Bank

Sr. Executive — Personal Loans
July 2019 – July 2021

Personal loan sales executive at ICICI Bank via third-party payroll.

Articles & Reviews by Gaurav

EMI Guide

EMI calculator — how to plan your loan repayment

Reviewed · March 2026
Loan Guide

Personal loan vs business loan — which is right for you?

Authored · March 2026
Calculator Review

Home loan EMI calculator — expert reviewed 2026

Reviewed · March 2026

"Gaurav Dhameliya's reviews and articles represent his independent professional opinion based on his 6+ years of lending and DSA channel experience. HelpForFinance does not allow lenders, NBFCs, or financial product companies to influence editorial content. All loan rates and EMI figures are verified against official RBI and NBFC-published sources."

E-E-A-T Authority Score

8.8 / 10
Experience 9.2 / 10
Expertise 8.8 / 10
Authoritativeness 8.5 / 10
Trustworthiness 8.8 / 10

Credentials & Education

  • BBA Finance
    VNSGU, 2019
  • DSA Channel Certified
    SMFG India Credit
  • Personal Loan Specialist
    ICICI Bank, 2019–2021

Topics Covered

Personal Loans Business Loans EMI Home Loans CIBIL DSA Channel NBFC RBI Guidelines Loan Eligibility Machinery Loans

Fact-checked & verified

All loan rates, EMI figures, and eligibility criteria reviewed by Gaurav are verified against official RBI, SEBI, and NBFC-published sources before publishing.