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Your Dreams. Our Financial Support.
Financial Solutions For Every Goal
From personal needs to business growth and home ownership, we provide financial assistance and loan guidance with a transparent process and personalized support.
Connect directly with our loan support team for assistance.
Kudlu Gate, BengaluruMon–Sat · 9:30 AM – 6:30 PM
Personal guidance at every step
About Us
Your Trusted Financial Partner
FINNWORLD SERVICES LLP
At FINNWORLD Services LLP, we believe financial support should be simple, transparent and accessible to everyone. We are committed to helping individuals and businesses achieve their goals with the right loan solution.
Clear guidance from application to disbursement
Loan options across participating banks and NBFCs
Support in English, हिंदी and ಕನ್ನಡ
Our Mission
To make financial information and loan assistance easier to access through transparent communication and personalized support.
Our Vision
To become a trusted financial assistance partner for individuals and businesses.
Our values guide how we communicate, support customers and work with financial partners.
01
Integrity
Honest and transparent dealings.
02
Customer First
Customer requirements remain a priority.
03
Excellence
Focus on service quality and relationships.
04
Empowerment
Helping people and businesses move forward.
Achievements
Our Growth Milestones
Key areas where FINNWORLD continues to build customer support, digital tools and lender connectivity.
Customer Assistance
Supporting customers across multiple financial requirements.
Lender Network
Working with participating banks and NBFCs subject to authorization.
Digital Support
Bringing eligibility, EMI planning and customer support online.
Customer Follow-up
Application follow-up and communication throughout the process.
Leading Partners
Trusted Authorized Channel Partners
Display lender names and logos only where FINNWORLD has appropriate authorization or permission.
ICICI
ICICI Bank
HDFC
HDFC Bank
AXIS
Axis Bank
AXIS FINANCE
Axis Finance
PNB
Punjab National Bank
UCO
UCO Bank
IDFC FIRST
IDFC Bank
KOTAK
Kotak Mahindra Bank
INDUSIND
IndusInd Bank
SMFG
SMFG
BAJAJ
Bajaj Finance
SHRIRAM
Shriram Finance
TATA CAPITAL
Tata Capital
GODREJ
Godrej Finance
ADITYA BIRLA
Aditya Birla
POONAWALLA
Poonawalla
PIRAMAL
Piramal
JIO
Jio Credit
CHOLA
Cholamandalam
FIBE
Fibe
FINNABLE
Finable
Move your mouse from left to right or right to left to explore our lending partner logos.
Application Status
Track Your Loan File
Enter your reference number. This demo lookup should be replaced with your real internal/lender status system in production.
Try: FWS-10234, FWS-10567, FWS-10891
Customer Voice
What Clients Say Once the File Closes
“They called the bank more than I did. My home loan closed in three weeks with zero surprises on the rate.”
— R. Deshmukh, Home Loan
“Explained every clause in the sanction letter before I signed. First time a loan process didn't feel rushed.”
— A. Fernandes, LAP
“My file was rejected once elsewhere for a document issue. They caught the same issue before it went anywhere.”
— S. Iyer, Business Loan
Data & Privacy
Your Data Is Safe & Secure
Customer information should be collected only for legitimate business purposes and handled responsibly. For production, use HTTPS, secure authentication, role-based access, encrypted storage, access logging and suitable data-retention controls.
FAQ
Frequently Asked Questions
Quick answers to common questions about loans, documents, eligibility and repayment.
General Questions
What is FINNWORLD Services LLP?
FINNWORLD Services LLP is a Bengaluru-based loan sourcing and advisory company (a registered Direct Selling Agent). We help you understand your loan options, prepare your documents and apply through our partner banks and NBFCs.
Are you a bank or a lender?
No. We are not a bank or a lender. We support you with sourcing and application assistance. The loan is sanctioned and disbursed by the bank/NBFC, and the approval, loan amount, interest rate and tenure are decided by that lender.
Which loans can FINNWORLD help me with?
We assist with Personal Loans, Home Loans, Business Loans, Loan Against Property (LAP) / Mortgage Loans, Auto Loans and Education Loans. Availability of a product depends on our lender partners and your profile.
How can I contact FINNWORLD?
You can call us on +91 96069 67966 or message us on WhatsApp. Our office hours are Monday to Saturday, 9:30 AM to 6:30 PM. Our office is at Kudlu Gate, Krishna Reddy Industrial Area, Hosapalaya, Muneshwara Nagar, Bengaluru, Karnataka 560068.
Is the Quick Eligibility Check free?
Yes, the Quick Eligibility Check on this website is free. It gives you a first indication only — the final decision always rests with the lender.
What is the Ask FINNWORLD assistant?
It is the chat assistant at the bottom-right of this page. It answers common questions about documents, eligibility, rates and EMI in English, Hindi and Kannada. It gives general guidance only — it cannot approve a loan or see live lender status.
Loan Eligibility
What decides whether I am eligible for a loan?
Lenders mainly look at your income and repayment capacity, credit score and credit history, existing EMIs, stability of your job or business, age, and — for secured loans such as Home Loan and LAP — the legal and technical status of the property.
What is the usual age limit?
As a general guide, salaried applicants are usually between 21 and 60 years and self-employed applicants between 21 and 65 years. The exact limits vary by lender and loan type.
Does my credit score matter?
Yes. A good credit score and clean repayment history improve your chances of approval and can help with better terms. It also helps to avoid making several loan applications at the same time without need.
What is FOIR?
FOIR (Fixed Obligation to Income Ratio) is the share of your monthly income that goes towards fixed obligations such as existing EMIs. Lenders set a limit on it, so higher existing EMIs can reduce the loan amount you are eligible for.
How much work experience do I need as a salaried applicant?
For personal loans, lenders generally look for 6 months to 2 years of total work experience, and usually 3–6 months with your current employer. This depends on the lender.
How much business vintage is required?
For self-employed and business loans, business vintage is generally 2–3 years or as per lender policy. It is verified through your GST Certificate, or through a Business/Trade Licence copy if you do not have a GST Certificate.
Can I get a new loan if I already have one running?
It is often possible. Your existing EMIs are considered in the eligibility calculation. You may be asked for your running loan details and your last 6 months’ EMI-debited bank statement.
Can a salaried person apply for a business loan?
Some lenders consider this case by case, based on your income, credit profile, the proposed business and extra documents such as a business plan. It depends entirely on the lender’s policy.
Documents
Which basic documents are needed for most loans?
PAN Card, Aadhaar Card, a passport-size photograph (if required), address proof if your current address differs from Aadhaar, and bank statements. The lender may ask for more depending on the loan type.
What documents do salaried applicants need?
Last 3 months’ salary slips
Last 6 months’ bank statement (for a personal loan, the salary-credited account)
Form 16 / ITR, if required
Employment ID card or appointment/offer letter, if required
For personal loans: last 2 years’ Form 26AS
What documents do self-employed applicants need?
Income Tax Returns for the last 2–3 years
Profit & Loss Account and Balance Sheet
Last 6–12 months’ bank statements
GST registration/returns or other business proof, as applicable
For personal loans: last 2 years’ Form 26AS
What is Form 26AS and why is it asked for personal loans?
Form 26AS is a tax-credit statement that you can download from the Income Tax portal. It shows the income reported for you and the tax deducted (TDS). For personal loans, lenders use the last 2 years’ Form 26AS to cross-check your declared income.
Which property documents are needed for a Home Loan or LAP?
Home Loan: sale agreement / agreement to sell, sale deed or title deed, approved building plan, encumbrance certificate (if applicable), property tax receipts, Khata certificate/extract, occupancy or completion certificate, and builder documents where applicable.
LAP: registered sale deed, chain of title documents, mother deed (where applicable), encumbrance certificate, approved building plan, property tax receipts, Khata/property extract, and occupancy or completion certificate where applicable.
What is Khata and which Khata types are considered?
Khata is the property record maintained for a property. For Home Loans we note the Khata type — A Khata, B Khata, E Khata, Manual Khata or other. Whether a property is acceptable depends on the lender’s legal and technical verification.
What do I need to submit if I have a running loan?
Keep your last 6 months’ EMI-debited bank account statement and the running loan details ready, along with the type of loan — Personal Loan, Home Loan, LAP, Business Loan or Credit Card.
Will the lender ask for more documents than this?
Possibly. Depending on your profile, a lender may also ask for co-applicant or guarantor documents, additional bank or credit card statements, additional address proof, property valuation or legal opinion documents, and closure/foreclosure letters for existing loans.
Personal, Home, Business & LAP Loans
Personal Loan
What should I keep ready before applying for a Personal Loan?
Know the loan amount you need, your preferred tenure and the purpose of the loan. Keep your PAN, Aadhaar, salary slips or ITR, bank statements and Form 26AS ready. Personal loans are usually unsecured, so no property or collateral is involved.
Can both salaried and self-employed people get a Personal Loan?
Yes. Both can apply, but the documents differ — salaried applicants provide salary slips and a salary-credited bank statement, while self-employed applicants provide ITRs, financial statements and business proof.
Home Loan
What details are collected for a Home Loan?
The loan amount you are looking for, the property location, the property type (plot, apartment, flat or other) and the Khata type (A, B, E, Manual or other), along with your identity and income documents.
Will every property be accepted?
Not necessarily. Property acceptance depends on the lender’s legal and technical verification, and the property location must be within the lender’s serviceable areas.
Business Loan
What business details will I be asked for?
Your business type (proprietorship, partnership firm, LLP, private or public limited company, or other), the nature of your business, the business start year and vintage, annual turnover, and the loan amount, purpose and tenure you need.
How is business turnover verified?
Turnover can be verified through GST returns, ITR, audited financial statements, bank statements or other documents accepted by the lender.
Loan Against Property (LAP)
What is a Loan Against Property?
A LAP is a loan where you pledge a residential or commercial property that you own as security to get funds. Because it is secured, the lender carries out legal and technical checks on the property.
How is the LAP amount decided?
The loan amount depends on the lender’s valuation of the property, its loan-to-value (LTV) policy, and your income and repayment capacity. We will also collect the property location, property type and ownership details.
Application & Process
How do I apply through FINNWORLD?
Fill in the Quick Eligibility Check on this website, message us on WhatsApp, or call us. Our team will review your requirement, tell you which documents to keep ready and guide you through the rest of the process.
What are the steps in the process?
Eligibility & document check — we review your income proof, credit history and documents
Lender matching — we look at suitable participating lenders for your loan type
Login & underwriting — we support your application through the lender’s credit and other checks
Sanction & disbursement — formalities are completed after the lender approves
How long does it take to get a loan?
It varies by loan type, lender and how complete your documents are. Secured loans such as Home Loan and LAP usually take longer because of property verification, while unsecured personal loans are generally quicker. We cannot guarantee a fixed timeline.
What checks will the lender carry out?
Lenders may run legal, technical (property), income, employment, residence, business and credit verification, depending on the loan type.
How can I check the status of my application?
Please contact our team by phone or WhatsApp with your name and mobile number. The Ask FINNWORLD assistant gives general guidance only and cannot see live lender status.
What happens after my loan is sanctioned?
The lender issues a sanction letter stating the approved amount, tenure and interest rate. Read it carefully before signing. After you complete the loan agreement and any other formalities, the lender disburses the loan.
Can I add a co-applicant?
Yes, where the lender allows it. A co-applicant with a steady income can improve eligibility, especially for home loans. Their PAN, Aadhaar and income documents will also be needed.
EMI & Repayment
What is an EMI?
EMI stands for Equated Monthly Instalment — the fixed amount you pay the lender every month. Each EMI covers a part of the principal and the interest.
How is my EMI calculated?
It depends on three things: the loan amount, the interest rate and the tenure. The standard formula is EMI = P × r × (1+r)n / ((1+r)n − 1), where P is the loan amount, r is the monthly interest rate and n is the number of months. You can try it on our EMI Calculator.
Is the EMI shown in the calculator final?
No. The calculator gives an estimate only. Your actual EMI depends on the interest rate, tenure and charges finalised by the lender in your sanction letter.
How does tenure affect my EMI?
A longer tenure lowers your monthly EMI but increases the total interest you pay. A shorter tenure raises the EMI but reduces the total interest.
Do my existing EMIs affect a new loan?
Yes. Lenders add your existing EMIs to the proposed EMI when checking your FOIR, so higher existing EMIs can reduce the amount you are eligible for.
Can I prepay or foreclose my loan?
Prepayment and foreclosure options, and any charges, depend on the loan type and the lender’s terms. Please check your sanction letter and loan agreement, and ask us if anything is unclear before you sign.
What happens if I miss an EMI?
Late payment charges may apply and missed payments can lower your credit score, which affects future borrowing. If you expect difficulty paying, speak to your lender early.
Important Information
Are loan approval, amount and interest rate guaranteed?
No. Final eligibility, documentation, interest rate, loan amount, tenure and approval are subject to the policies of the respective bank/NBFC and your individual profile, income and credit score.
Are the interest rates on the website fixed?
No. Rates shown as “Starting from” are indicative. The rate you actually get depends on your profile, the loan type and the lender.
What fees and charges apply?
Processing fees and other charges are set by the lender and stated in the lender’s documents. Please read your sanction letter and loan agreement carefully, and ask our team before you sign if any charge is unclear.
Why should I never submit edited or false documents?
Submitting false, edited or manipulated documents can lead to rejection of your application and other serious consequences. Please share only genuine, clear and valid documents.
How is my personal information used?
Your details are collected to assess and process your loan request, which involves sharing them with the relevant bank/NBFC. Please share documents only through FINNWORLD’s official phone number and WhatsApp listed on this website.
How do I protect myself from fraud?
Never share your OTP, card PIN/CVV or net-banking password with anyone, including callers who say they are from a bank, lender or loan company. Verify contact details before sharing documents.
Is the information on this page a final offer?
No. The answers and checklists here are for general guidance. Individual bank/NBFC requirements and eligibility criteria may differ, and a lender may ask for additional documents.
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Still have a question?Our team and the Ask FINNWORLD assistant are happy to help.
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Blogs · Loan Knowledge Center
Learn Before You Borrow
Short, simple stories to help customers understand loans, documents, credit and common loan scams before making a financial decision.
🔒 Awareness first · Verify before you pay · Never share OTP/PIN/CVV
Loan Awareness EditionBengaluruFree for every customer
The FINNWORLD Loan Times
Simple guides on loans, documents, credit and safety
Front page · Fraud & SafetyPicture: A customer receives a message saying “Loan approved, pay ₹5,000 processing fee now”. The red warning sign and the shield show the right response: stop, verify with the official lender, and never pay an unknown person upfront.
“Guaranteed Loan” Offers: Stop and Verify Before You Pay
By FINNWORLD Desk4 min readFraud & Safety
No bank, NBFC or loan advisor can promise approval before the lender has checked your income, credit history and documents. Messages that say “100% approved” and then ask for a fee, a deposit or your OTP are a common trick used by fake agents.
Before you share any document or money, confirm who is asking. Use only the official phone number and website of the company, and check that the payment request matches what the lender has written in its sanction letter or loan agreement.
Who approves?Only the bank or NBFC, after its own checks.
Upfront fee?Never pay an unknown person or personal account.
OTP / PIN / CVV?Never share them, even with a “bank” caller.
In doubt?Call FINNWORLD on +91 96069 67966.
Safety reminder: FINNWORLD does not guarantee loan approval. Loan approval, interest rate, fees, tenure and eligibility are decided by the respective lender. Always verify the person, company and payment request before sharing documents or money.
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FINNWORLD Awareness Story
Loan Awareness
Final eligibility, documentation, interest rate, loan amount, tenure and approval are subject to the respective lender's policies and applicant profile.
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