Responsible Finance. Enduring Trust.
JSS Investment and Finance Private Limited is a Reserve Bank of India registered Non-Banking Financial Company, dedicated to providing accessible, transparent, and ethically governed financial solutions to individuals and enterprises across India.
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Secure payments- 30+Years in Indian finance
- 2004Registered with RBI as an NBFC
- 3Loan types: education, business, personal
- 2Offices in Kolkata and Bengaluru
Who We Are
A Legacy of Integrity in Indian Finance
JSS Investment and Finance Private Limited was incorporated on 10th January, 1996, and formally registered as a Non-Banking Financial Company under the Reserve Bank of India on 28th January, 2004. For over three decades, the company has remained steadfast in its founding commitment: to provide responsible, accessible, and transparent financial services to individuals and businesses.
Led by experienced promoters with deep knowledge of the banking and financial services sector, JSS operates with a philosophy of ethical lending, complete regulatory compliance, and genuine client partnership. We evaluate each application on its merits, structure repayments to suit the borrower's capacity, and maintain complete transparency at every stage of the process.
Established Institution
Incorporated in 1996 with over three decades of trusted service in the Indian financial sector.
Regulatory Compliance
RBI-registered NBFC operating under the full framework of Indian financial regulations.
Client Partnership
We build long-term relationships grounded in mutual trust, respect, and financial well-being.
Ethical Practices
Responsible lending, transparent terms, and dignified recovery, without exception.
Check our papers
See our registration for yourself
The documents behind our RBI registration. Scans are being added here one by one.
What We Offer
Our Services
We provide comprehensive financial services designed to elevate and secure your future.
Education Loans
Support your academic dreams with our flexible and affordable education loans.
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Business Loans
Fuel your business growth with our tailored and quick financial solutions.
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Personal Loans
Quick and easy personal loans to meet your immediate financial requirements.
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Got a call or a payment request? Check it's really us
Before you pay anyone, take ten seconds to check.
JSS never asks for an upfront fee, OTP or PIN. Pay only to accounts in the name JSS Investment and Finance Pvt Ltd.
Repay online
Repay your loan in three steps
Safe, quick and only to JSS. No agent or cash needed.
Enter your mobile number
Use the number linked to your loan.
Verify with OTP
We send a 6-digit code to your phone by SMS.
Pay and get your receipt
Pay by UPI, card or net banking. Your receipt comes by SMS.
Until then, write to support@jssfinance.com and our team will guide you.
Our leadership
The people behind JSS
Led by experienced promoters with deep knowledge of the banking and financial services sector.
Mr. Jitendra AgarwalPromoter & Director · Since 10 January 1996
Mrs. Sangeetha AgarwalPromoter & Director · Since 11 June 2015
Driven by Excellence
Built on Trust. Driven by Excellence.
We don't just provide financial services; we partner with you to secure your future through transparency, expertise, and personalized care.
Integrity & Trust
We operate with the highest standards of integrity, ensuring your trust is never compromised.
Expert Team
Our team of seasoned professionals brings years of experience and expertise to serve you better.
Personalized Solutions
Every client is unique, and we craft customized solutions that align with your specific needs.
Our commitment
A genuine lender you can rely on
RBI Compliant
We strictly follow the RBI directive and have set up an effective grievance redressal cell to handle and address all manner of grievances.
No Upfront Fees
We do not charge any upfront fee against our loan. Anyone charging or claiming to charge any upfront fee is not a part of our organization.
Genuine Loan Provider
We are a genuine loan provider with necessary approvals from the Reserve Bank of India to disburse loans to eligible customers.
Beware of impersonators. Some groups are impersonating us, claiming to be part of our group and asking for fees with false promises of loans. Please be wary of them. If you have any complaint, email info@jssfinance.com and we will take it up seriously.
Help
Frequently asked questions
Is JSS registered with the Reserve Bank of India?
Yes. JSS Investment and Finance Private Limited was registered as a Non-Banking Financial Company with the Reserve Bank of India on 28th January, 2004. The company was incorporated on 10th January, 1996.
Does JSS charge any upfront fee for a loan?
No. We do not charge any upfront fee against our loan. Anyone charging or claiming to charge an upfront fee is not part of our organization.
Which loans does JSS offer?
We offer education loans, business loans and personal loans.
How do I repay my loan?
Online repayment on this website is coming soon. Until then, write to support@jssfinance.com and our team will guide you.
Someone asked me for a fee to get a JSS loan. What should I do?
Don't pay. Some groups are impersonating JSS. Report it to info@jssfinance.com.
How do I raise a complaint?
Write to our Grievance Redressal Officer, Mr. Mehul Jain, at gro@jssfinance.com or call +91 99807 50044. We take every complaint seriously and never use high-handed or coercive recovery methods.
Have a question about your loan?
Write to us at info@jssfinance.com. We'll get back to you.