of experience
About JS Financial Solutions
Providing all the financial services for you
Solutions
Offering great Financial solutions for you
What types of loans do you help with?
We assist with home loans, loan against property, commercial & industrial property loans, loan against rental income, overdraft facilities, balance transfer, and unsecured personal loans for both salaried and self-employed individuals.
What is the minimum CIBIL score required to apply for a loan?
For most secured loans, funding generally starts from a CIBIL score of 680. The best interest rates are offered to applicants with 800+ CIBIL, depending on profile and lender policies.
Do you charge any service or consultancy fees?
No. JS Financial Solutions does not charge any extra fees for loan processing. You only pay the standard processing fees charged by the bank or NBFC.
How long does the loan approval process take?
The approval timeline depends on the loan type and documentation. In most cases, loan approvals are completed within a few working days, with full disbursal shortly after documentation and verification.
Can you help reduce my existing loan EMI or interest rate?
Yes. We assist with balance transfer and loan restructuring, helping you move your existing loan to a lender offering a lower interest rate or better terms, thereby reducing EMIs and overall interest burden.
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What they’re talking about company
I was confused between multiple loan options for my commercial property. JS Financial Solutions explained everything clearly and helped me get the best ROI. Highly reliable and transparent service.
The best part is their doorstep service. I didn’t have to run to banks or worry about documentation. They supported me till the loan was disbursed without charging any extra fees.
I transferred my existing loan through JS Financial Solutions and reduced my EMI significantly. Their guidance and follow-up with banks were excellent. I would definitely recommend them.
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Lenders We Work With
A Category Banks (Secured Loans)
Loan Against Property: 8.1% – 9.25%
Preferred CIBIL: 800+ (minimum fundable: 700)
Processing Fees: ₹10,000 to 0.5% of loan amount
B Category Banks & NBFCs
Loan Against Property: 9.25% – 10.5%
Processing Fees: 0.5% – 1% of loan amount
C Category NBFCs
Profile and property-based approvals
Processing Fees: 1% – 1.5%
Unsecured Loans (Personal Loans)
Self-Employed: 14% – 24% p.a.
Processing Charges: ₹3,000 to 1.5%
(deducted from loan amount)
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JS Financial Solutions made my home loan journey extremely smooth. From choosing the right bank to final disbursal, everything was handled professionally. I got a better interest rate than expected.