Home Loan
Own your home, on the best terms.
from 8.35%* p.a.
Up to ₹5 Cr · 30-year tenure
Tax benefit: Sec 24 & 80C
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Facilitator, not a lender — we connect you to 30+ banks & NBFCs
See your EMI in seconds — then we’ll get you a better rate.
One expert advisor. Deals across 30+ banks and NBFCs. No fee from you, ever.
EMI Calculator
₹30,00,000
₹1 L₹5 Cr
8.5% p.a.
7%24%
20 yrs
1 yr30 yrs
Your EMI from
₹25,935
across 30+ partner lenders
₹865 / ₹1 lakh
Total Payable
₹62,24,400
Total Interest
₹32,24,400
4.9 (200+ reviews)
₹—Cr disbursed
30+ partner lenders
1,500+ borrowers helped
Public Sector Banks
Private Banks
NBFCs
Housing Finance Cos.
Fintech Lenders
Co-op Banks
Small Finance Banks
Micro-Finance Institutions
RRBs
Urban Co-op Banks
HFCs
NBFC-MFIs
What We Offer
Loans, insurance, and investments — matched to the right partner for your needs.
Loans
Mortgage Loan
Unlock your property's value.
from 9.00%* p.a.
Up to ₹10 Cr · 15-year tenure
Residential & commercial property
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Funding
Capital to scale your enterprise.
from 11.00%* p.a.
₹25 L – ₹50 Cr+ · Structured terms
Expansion, project & acquisition finance
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Personal Loan
Quick funds, minimal paperwork.
from 10.50%* p.a.
₹50 K – ₹40 L · Up to 60 months
Doorstep or digital process
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Business Loan
Grow without collateral.
from 14%* p.a.
₹1 L – ₹2 Cr · Collateral-free
MSME-friendly documentation
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Car Loan
Drive home your dream car.
from 8.70%* p.a.
Up to 100% on-road · New & used
Approval in 24–48 hours
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Educational Loan
Fund your degree, not your debt.
from 9.50%* p.a.
Up to ₹1.5 Cr · India & abroad
Tax benefit: Sec 80E
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Working Capital
Keep your business moving.
from 12.00%* p.a.
Cash credit, OD & short-term lines
Pay interest only on what you use
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Doctor Loan
Finance your practice, not your worries.
from 10.50%* p.a.
Clinic setup, equipment & expansion
Preferential rates for doctors
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Insurance
Life Insurance
Protect your family's future.
Cover from ₹50 L
Term, ULIP & whole-life plans
IRDAI-regulated insurers · comparison support
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General Insurance
Cover your health, vehicle, and more.
Cover from ₹3 L
Health, motor, home & travel plans
IRDAI-regulated insurers · cashless options
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Investments
Why 4S Finserv?
We’re not a bank. We work for you.
We negotiate your rate
We know how lenders price risk, so we push for the best offer on your behalf.
We structure your file
A well-prepared application gets sanctioned faster and at a better price.
One advisor, start to finish
No handoffs, no call-centre queues. Your dedicated case manager, always.
No fee from borrowers
We earn from lenders, not you. Always transparent, always free for borrowers.
Our advisor has 20+ years of banking and lending experience across major Indian banks and NBFCs.
How It Works
Three simple steps to your best loan offer.
Tell us your need
Share your requirement, amount, and timeline.
We match & negotiate
Our advisor shortlists lenders and negotiates your rate.
You choose the best offer
Review all offers and pick the one that suits you.
On Your Own vs. With 4S Finserv
See why borrowers who use a facilitator get better outcomes.
| On Your Own | With 4S Finserv | |
|---|---|---|
| Rate Negotiated | − Posted rate only | ✓ Best offer sought |
| Lenders Compared | − 1–2 banks | ✓ 30+ shortlisted |
| File Structured | − Self-managed | ✓ Expert-prepared |
| Credit Score Impact | − Multiple hard pulls | ✓ Single advised application |
| Cost to Borrower | − Time & guesswork | ✓ Zero fee, ever |
We’re a loan facilitator — not a lender
4S Finserv is a DSA (Direct Selling Agent). We connect you to RBI-regulated partner banks and NBFCs. Final loan terms, interest rates, and approval decisions are set entirely by the lender.
RBI Sachet Portal → · RBI Fair Practices Code
Public Sector Banks · Private Banks · NBFCs · Housing Finance · Fintech Lenders
What Our Borrowers Say
Real outcomes. Real borrowers.
Kavita R.
Pune
I’d been quoted 9.1% by my own bank. 4S Finserv came back with a sanction at 8.4%* from a private bank I hadn’t considered. Saved me nearly ₹3,200* per month on EMI.
Arjun S.
Bengaluru
Got ₹75 lakhs* collateral-free for my MSME in under 12 days. The advisor handled all paperwork and kept me updated throughout — zero surprises.
Meera T.
Hyderabad
My son needed funding for an MBA abroad. We got ₹28 lakhs* at 9.75%* with a moratorium period. The whole process was transparent and fast.
Deepak N.
Mumbai
Needed liquidity against my office property. Got 65%* of market value at a rate my own bank wouldn’t match. No unnecessary documentation.
Frequently Asked Questions
Do you charge borrowers a fee?
No. We earn from lenders, not borrowers. There is no upfront or processing fee charged to you at any stage.
Will this affect my credit score?
An enquiry with us won’t affect your score. Only a formal loan application submitted to a lender triggers a hard inquiry — and we’ll advise you before that step.
Do you lend money yourself?
No. 4S Finserv is a facilitator (DSA — Direct Selling Agent). We connect you to the right lender and negotiate on your behalf. We do not disburse loans.
How do you get better rates?
Our advisor has 20+ years of banking experience and understands how lenders price risk. We present your profile in the best light and leverage our established lender relationships to negotiate.
Which lenders do you work with?
We work with 30+ banks and NBFCs including public sector banks, private banks, housing finance companies, co-operative banks, and regulated fintech lenders.
Request a free callback
No fee from borrowers · Enquiry won’t affect your credit score · We’re a facilitator, not a lender