Your Trusted
Financial Partner
Since 2016
Fast approvals, lowest interest rates, and 100% transparency. Personal, Home & Business Loans — tailored to your needs, right here in Ramanagara, Bangalore.
Loan Solutions for Every Need
From personal aspirations to business ambitions — we have the perfect loan product designed exactly for you.
- Up to ₹75 Lakhs, no collateral
- Approval within 24 hours
- Tenure up to 84 months
- Up to ₹5 Crore, tenure up to 84 months
- Tax benefit up to ₹3.5L/year
- Balance transfer available
- Collateral-free up to ₹1 Crore
- Max ₹5 Crore
- CGTMSE scheme coverage
- MSME special interest rates
- Coverage: Up to ₹5 Crore or more
- Entry Age: 18 to 65 years
- Tenure: Up to 40 years (or up to age 85)
- Sum Insured: ₹5 Lakhs to ₹1 Crore+
- Hospital Network: 10,000+ cashless hospitals
- Coverage: Up to ₹50 Lakhs
- Diseases Covered: Up to 64 critical illnesses (Cancer, Heart Attack, etc.)
Why Choose RS Financial?
We combine expertise, technology and a genuine commitment to clients to deliver an experience that is truly exceptional.
Same Day Approval
Digital KYC and automated underwriting for lightning-fast in-principle decisions.
Lowest Interest Rates
We negotiate across 15+ partner banks and always bring you the sharpest rate.
100% Transparency
No hidden charges, ever. Every fee is disclosed upfront before you commit.
Flexible EMI Plans
Choose tenure from 12–84 months with part-prepayment options available anytime.
Dedicated Advisor
Every client gets a personal relationship manager — from application to disbursal.
Minimal Paperwork
Our digital-first process keeps documentation to only what is absolutely essential.
Loan in 4 Simple Steps
What Our Clients Say
EMI Calculator
Slide to instantly compute your monthly EMI, total interest and total cost.
Common Questions
Achieve Your Financial Goals Today
Join 15,000+ satisfied customers across Karnataka. Your dream is one application away.
Serving All of South Karnataka
From our office in Ramanagara, we serve clients across Bangalore and surrounding districts — in person, via phone or WhatsApp.
Bangalore (All Areas)
Jayanagar, Koramangala, Whitefield, Electronic City, Marathahalli, HSR Layout, BTM Layout, Indiranagar, Hebbal & all areas.
Ramanagara District
Ramanagara town, Channapatna, Bidadi, Kanakapura — our home district with walk-in office service.
Mysuru Road Corridor
Bidadi, Ramnagar, Mandya — along the Mysuru highway with on-site advisor visits available.
Tumkur & Hassan
Extended service for clients in Tumkur, Hassan and Shivamogga with telephonic and WhatsApp consultation.
Work From Home Clients
IT professionals and remote workers in Bangalore — complete loan advisory via video call and digital KYC.
Rural Karnataka
Agricultural loans, Kisan Credit Card, PMFBY insurance — serving farming communities across Karnataka.
8 Years of Financial Excellence
Founded on 26th April 2016 by Ranganath HR, Founder, RS Financial Services began as a one-person advisory desk above Union Bank on BM Road, Ramanagara. With a single promise — transparent, affordable financial guidance — the business grew steadily through word of mouth and genuine client outcomes.
Today we serve over 15,000 families and businesses across Karnataka region. We are registered NBFC associates of 15+ leading banks and insurers including IDFC, Tata Capital, Finnable, InCred, SBI, HDFC, Axis, ICICI, Bajaj Finserv, and LIC.
Our philosophy remains unchanged: every client deserves the best available product at the lowest possible cost, backed by honest expert guidance. We act as your advocate — not as a bank's agent.
Our Performance At a Glance
Key metrics that reflect 8 years of consistent, client-first financial service across Karnataka.
Mission, Vision & Core Values
Our Vision
To become the most trusted and preferred financial advisory brand in Karnataka by 2030 — known for our client-first approach, superior product access across 20+ banks, and uncompromising ethical standards.
Integrity
We never recommend a product that is not right for you. Our advice is always and only in your best interest.
Customer First
Every decision we make — from bank partnerships to process design — is centered on your experience and outcome.
Speed
We use technology and deep banking relationships to get you approvals faster than anyone else in the region.
Transparency
All fees, rates and conditions disclosed clearly before you sign. No surprises, no hidden charges, ever.
Expertise
Regular training on banking products and regulations keeps our team's advice current, accurate and actionable.
Community
Rooted in Ramanagara, we invest in financial literacy camps and local welfare to strengthen our community.
How We Work For You
Unlike direct bank channels, RS Financial acts as your independent financial advocate. We simultaneously approach multiple lenders to secure the most competitive offer — saving you time, money, and the stress of navigating complex bank processes alone.
1. Profile Assessment
We analyse your financial profile — income, CIBIL score, existing obligations — to map your eligibility across our 15+ lender panel before approaching any bank.
2. Multi-Bank Comparison
We submit your requirement to 3–5 relevant lenders simultaneously and compare rate, processing fee, tenure and prepayment terms to find the optimal combination.
3. End-to-End Assistance
From document collection to loan agreement review, we guide you at every step. Post-disbursal, we remain your single point of contact for all loan servicing needs.
4. Lifetime Support
Our relationship doesn’t end at disbursal. We help with prepayment queries, balance transfers, top-up loans and insurance renewals throughout the loan lifetime.
“We built RS Financial on one belief: that every person in Karnataka deserves the same access to quality financial products and honest expert guidance as those in metro cities — regardless of their income level or background.”
Built on Trust & Expertise
Every product we recommend, every bank we partner with, every rate we negotiate — is driven by one single objective: your best financial outcome.
Certified, Registered & 100% Compliant
RS Financial Services operates with full regulatory compliance. Every partnership, product and process meets or exceeds RBI guidelines for financial intermediaries.
RBI Registered DSA
Registered Direct Selling Associate under RBI-regulated guidelines
ISO 9001:2015 Certified
Quality Management System certification for consistent service delivery
Data Privacy Compliant
Client data encrypted and processed per IT Act 2000 guidelines
IRDA Licensed Advisors
All insurance advice delivered by IRDA-certified professionals
15+ Bank Agreements
Formal DSA agreements with SBI, HDFC, Axis, ICICI and 11+ more
4.9★ Google Rated
350+ verified client reviews — highest rated loan advisor in Ramanagara
RS Financial vs Going Directly to a Bank
| Factor | ✓ With RS Financial | Going Direct to Bank |
|---|---|---|
| Rate Comparison | 15+ banks compared simultaneously | Only that bank's rates |
| Processing Speed | In-principle in 24 hrs (we prep your file) | 3–7 days minimum |
| Cost to You | Zero — free consultation | May charge processing fees upfront |
| CIBIL Checks | Soft check first — no score impact | Hard pull on every application |
| Documentation | We compile & review documents for you | Self-managed, errors common |
| Post-Loan Support | Lifetime — we stay your financial advisor | Relationship ends at disbursal |
| Insurance | Best plan from 10+ insurers compared | Only their tied products |
The Team Behind Your Success
Experienced, certified advisors who put your interests first in every single conversation.
Giving Back to Ramanagara Bangalore
We believe financial literacy is the foundation of community prosperity. Since 2018, RS Financial has conducted over 30 free financial literacy camps across Karnataka — reaching more than 2,000 people from all walks of life.
Our camps cover practical topics: how to read your credit report, insurance basics, budgeting for a home loan, understanding interest calculations, and avoiding predatory lending. Sessions are conducted in Kannada and English to maximise accessibility.
We also partner with local Self-Help Groups (SHGs) to provide microfinance guidance for women entrepreneurs, and run annual education loan awareness drives at Ramanagara Government College and two private institutions.
30+ Camps
Free financial literacy workshops since 2018
2,000+ Reached
People trained on practical financial planning
SHG Support
Microfinance guidance for women entrepreneurs
Student Drives
Education loan awareness at local colleges
Awards & Certifications
Our Loan Services
Four comprehensive loan products from India's leading banks — curated, compared and managed entirely for you.
Choose Your Perfect Loan
- Amount: ₹50,000 – ₹75 Lakhs
- Tenure: 12 – 84 months
- Approval within 24 hours
- No collateral, no guarantor
- Part-prepayment allowed
- Tenure: 12 – 84 months
- Amount: Up to ₹5 Crore
- Tenure: Up to 84 months
- Tax benefit: Up to ₹3.5L/year
- Balance transfer facility
- Top-up loan available
- Collateral-free up to ₹1 Crore
- Max ₹5 Crore
- CGTMSE scheme coverage
- Overdraft & CC facility
- Special MSME interest rates
- Flexible repayment structure
- Up to 70% of property value
- Residential & commercial property
- Tenure up to 20 years
- Part-prepayment without penalty
- Balance transfer option
- Coverage: Up to ₹5 Crore or more
- Entry Age: 18 to 65 years
- Tenure: Up to 40 years (or up to age 85)
- Key Benefit: Terminal illness cover included
- Sum Insured: ₹5 Lakhs to ₹1 Crore+
- Hospital Network: 10,000+ cashless hospitals
- Coverage: Pre & post-hospitalization, AYUSH, and OPD
- Key Benefit: No-claim bonus up to 100%
- Coverage: Up to ₹50 Lakhs
- Diseases Covered: Up to 64 critical illnesses (Cancer, Heart Attack, etc.)
- Payout: 100% lump sum on first diagnosis
- Waiting Period: Typically 90 days
- Survival Period: Usually 30 days
- Coverage: Own Damage + Third-Party Liability
- Add-ons: Zero Depreciation, Engine Protect, RSA
- Claim Settlement: 24/7 spot assistance & cashless repairs
- Benefit: Instant policy issuance online
- Bonus: Up to 50% No Claim Bonus (NCB) transfer
- Coverage: Structure + Furniture + Electronics
- Tenure: Up to 10 years (Structure)
- Protection: Fire, Burglary, STFI (Storm, Tempest, Flood, Inundation)
- Key Benefit: Alternate accommodation cover included
- Requirement: No prior survey needed for many plans
Eligibility Criteria
Age
21–60 years for salaried; 21–65 years for self-employed (at loan maturity).
CIBIL Score
Minimum 700+ for most products. Co-applicant options for lower scores.
Employment
Salaried (min 2 years) or self-employed (min 3 years business continuity).
Income
Min ₹21,000/month net take-home. ITR-based for self-employed applicants.
Required Documents
| Document | Personal Loan | Home Loan | Business Loan | Loan vs Property |
|---|---|---|---|---|
| 1. Aadhaar Card | Required | Required | Required | Required |
| 2. PAN Card | Required | Required | Required | Required |
| 3. Salary Slips (3 months) | Required | Required | If Salaried | If Salaried |
| 4. Address Proof | Required | Required | Required | Required |
| 5. ITR (2 years) | Self-Employed | Self-Employed | Required | Required |
| 6. Bank Statements (6 months) | Required | Required | Required | Required |
| 7. Property / Sale Documents | — | Required | If Collateral | Required |
| 8. Business Registration | — | — | Required | If Business |
Current Rate Overview
Which Loan Is Right for You?
Not sure which product fits your situation? Use this guide — or call us for a free 10-minute consultation.
Loan Product Comparison
Compare key parameters across all four products at a glance
Personal Loan
- Unsecured — no collateral needed
- Amount up to ₹25 Lakhs
- Tenure: 12–84 months
- Best for: salaried employees
- Decision in 24 hours
- Rate from 9.5% p.a.
Home Loan
- Property-secured loan
- Amount up to ₹3 Crore
- Tenure: up to 84 months
- Best for: property purchase/build
- Tax benefits under 80C & 24B
- Rate from 6.95% p.a.
Business Loan
- Collateral-free up to ₹50L
- Amount up to ₹1.5 Crore
- Tenure: 12–84 months
- Best for: SME/MSME owners
- CGTMSE scheme available
- Rate from 11.99% p.a.
Loan Vs. Property
- Secured against your property
- Up to 70% of property value
- Tenure: up to 20 years
- Best for: large fund requirements
- No prepayment penalty
- Rate from 9.0% p.a.
15+ Partner Banks & Lenders
We are authorised DSA associates of India’s leading banks and NBFCs — giving you access to the widest range of products at the best terms available in the market.
SBI & Canara Bank
Government rates, lowest for eligible profiles
HDFC & ICICI Bank
Fast processing, digital-first experience
Axis & Kotak Mahindra
Competitive rates, flexible eligibility
Bajaj Finserv
Best for self-employed, quick disbursal
LIC Housing Finance
Leading HFC, specialised home loan rates
IndusInd & Bank of Baroda
MSME schemes, rural & agricultural lending
IDFC First Bank
Competitive personal & home loan rates
Federal & Karnataka Bank
Local banking, preferred in Karnataka
Tata Capital
Personal, home & business loans — TATA group backed
Piramal Finance
Home loans & LAP — strong in affordable housing
InCred Finance
Personal & education loans — fast digital process
Fibe (EarlySalary)
Instant personal loans for salaried professionals
Fullerton India
SME & personal loans — specialised in Tier 2 cities
Shriram Finance
Vehicle & MSME loans — extensive Karnataka network
We compare all available lender offers for your profile free of charge — no commitment required until you choose your preferred option.
Start Free ComparisonReady to Apply?
Our advisors will find the best loan for your profile at no cost to you.
Start ApplicationInsurance Plans
Life, health, vehicle and business coverage from India's leading insurers — expert claim support at every step.
Find Your Right Plan
- Term cover up to ₹5 Crore
- Rider: accident & critical illness
- Online comparison & purchase
- Partners: LIC · HDFC Life · ICICI Pru
- Cover: ₹3L – ₹1 Crore
- Day-care procedures included
- Maternity & newborn options
- Partners: Star Health · HDFC ERGO · Niva Bupa
- OPD cover available
- Restore benefit option
- Zero depreciation add-on
- RSA & engine protection
- Instant policy issuance
- Partners: HDFC ERGO · Bajaj Allianz · New India
- Fire & burglary cover
- Stock in trade protection
- Public liability available
- Workers' compensation cover
- Structure & contents cover
- Natural disaster protection
- Temporary accommodation benefit
- Tenant-friendly plans available
- Emergency medical cover
- Trip cancellation protection
- Single trip & annual plans
- Covers Bangalore IT professionals abroad
- 24/7 worldwide coverage
- Daily hospitalisation allowance
- Permanent disability benefit
- Accidental death cover
- Lump-sum on first diagnosis
- Covers 36+ critical conditions
- Covers treatment in Bangalore hospitals
- Tax benefit under 80D
- PMFBY government scheme
- Crop loss protection
- Farm equipment cover
- Expert claim assistance
Trusted Insurer Network
We work with India's top-rated insurers to bring you the widest coverage at the most competitive premiums — all compared free of charge.
LIC of India
India's largest insurer — life & pension plans
Star Health Insurance
Leading standalone health insurer — cashless at 14,000+ hospitals
Niva Bupa (Max Bupa)
Comprehensive health plans — Bangalore network leader
HDFC ERGO
Motor, home & health — fast claim settlement
Bajaj Allianz
All lines — travel, motor, health & business
New India Assurance
Government insurer — agriculture & PMFBY schemes
ICICI Lombard
Business & commercial insurance experts
Care Health Insurance
Senior citizen & family floater specialists
Premium Calculator
Simple Claim Process
Contact Us
Visit us in Ramanagara or connect remotely — serving Bangalore, Kanakapura, Channapatna and all of Karnataka. We respond within 2 hours on business days.
Get in Touch
Above Union Bank, BM Road
Ramanagara Bangalore – 562159, Karnataka
Sat: 10:00 AM – 4:00 PM
Sunday: Closed
Send a Message
Before You Call Us
Privacy Policy
How RS Financial Services collects, uses, and protects your personal information.
This Privacy Policy applies to RS Financial Services (RSFS), registered at Nagaraj Complex, 1st Floor, Above Union Bank, BM Road, Ramanagara – 562159, Karnataka. By using our services, you agree to this policy. We are committed to protecting your privacy at all times.
RS Financial Services collects personal information that you voluntarily provide when you apply for financial products, contact us, or use our website. The categories of information we may collect include:
- Identity Information: Full name, date of birth, PAN card number, Aadhaar number, gender.
- Contact Information: Mobile number, email address, residential and office address, PIN code.
- Financial Information: Monthly income, employer details, CIBIL credit score (indicative), existing loan obligations, bank account details for disbursal.
- Document Copies: Salary slips, bank statements, ITR, address proof, photographs — submitted as part of loan applications.
- Usage Data: IP address, browser type, pages visited, and time spent on our website (collected automatically via analytics tools).
- Communication Records: WhatsApp messages, emails, and call logs with our advisors for service and support purposes.
We collect only the minimum information necessary to process your loan application and connect you with appropriate lenders. We do not collect sensitive information beyond what is required by RBI-regulated lending processes.
Your personal data is used exclusively for the following legitimate purposes:
- Processing and evaluating your loan or insurance application with partner banks and NBFCs.
- Verifying your identity and conducting KYC as required under RBI regulations.
- Comparing loan offers from our 15+ partner lenders to find the most suitable product for your profile.
- Communicating with you about your application status, document requirements, and approval decisions.
- Providing post-disbursal support including EMI queries, balance transfer guidance, and top-up loan assistance.
- Sending relevant financial updates, rate alerts, and product announcements (with your consent).
- Complying with legal and regulatory obligations imposed by RBI, IRDAI, and other applicable authorities.
- Improving our website, services, and advisor processes based on aggregated, anonymised usage data.
RS Financial Services does not sell, rent, or trade your personal information to any third party for marketing purposes. Your data may be shared only in the following circumstances:
- Partner Banks & NBFCs: We share your application data with relevant lenders (SBI, HDFC, ICICI, Axis, IDFC First, Tata Capital, etc.) solely to process your loan application. Each lender is bound by its own RBI-registered privacy framework.
- Insurance Partners: For insurance queries, your data may be shared with IRDAI-registered insurers (LIC, Star Health, HDFC ERGO, etc.) to generate quotes or issue policies.
- Legal Compliance: We may disclose information to law enforcement, regulators, or courts when required by law, court order, or regulatory directive.
- Service Providers: Trusted technology and communication service providers operating under strict data confidentiality agreements, who help us deliver our services (e.g. email delivery, SMS, cloud storage).
All data shared with partner lenders is transmitted over encrypted channels and is used exclusively for the purpose of evaluating and processing your application. We do not share your data for cross-selling or advertising purposes.
We implement industry-standard technical and organisational measures to protect your personal data against unauthorised access, accidental loss, destruction, or disclosure:
- SSL/TLS encryption for all data transmitted between your browser and our systems.
- Secure document storage with access restricted to authorised advisors only.
- Regular security audits and staff training on data handling best practices.
- Data retention policies ensuring information is deleted when no longer required for its original purpose.
- Compliance with the Information Technology Act 2000 and associated data protection rules.
Despite our best efforts, no method of electronic transmission or storage is 100% secure. We encourage you to contact us immediately at rfinancialservices27@gmail.com if you suspect any unauthorised access to your data.
As a data subject under applicable Indian law, you have the following rights regarding your personal information held by RS Financial Services:
- Right to Access: Request a copy of the personal data we hold about you.
- Right to Correction: Request correction of inaccurate or incomplete information.
- Right to Deletion: Request deletion of your data, subject to any legal retention obligations.
- Right to Withdraw Consent: Withdraw your consent for marketing communications at any time.
- Right to Portability: Request your data in a structured, machine-readable format.
To exercise any of these rights, please contact us via email at rfinancialservices27@gmail.com or WhatsApp at +91 90080 95071. We will respond within 30 days of your request.
Our website may use cookies and similar tracking technologies to enhance your browsing experience and collect analytical data. Cookies we may use include:
- Essential Cookies: Required for the website to function correctly. Cannot be disabled.
- Analytics Cookies: Help us understand how visitors interact with our pages (e.g. Google Analytics). All data is anonymised.
- Preference Cookies: Remember your settings and choices across sessions.
You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain website features.
For any privacy-related concerns, questions, or complaints, please contact our Privacy Officer:
Privacy Officer — RS Financial Services
Ranganath HR, Founder & Privacy Officer
Nagaraj Complex, 1st Floor, Above Union Bank, BM Road, Ramanagara – 562159, Karnataka
rfinancialservices27@gmail.com
Response time: Within 30 business days
Terms of Use
The terms and conditions governing your use of RS Financial Services and our platform.
Please read these Terms of Use carefully before using our services. By accessing our website or submitting any application, you agree to be bound by these terms. If you do not agree, please do not use our services.
These Terms of Use ("Terms") constitute a legally binding agreement between you ("User") and RS Financial Services ("RSFS", "we", "us", "our"), a financial advisory firm registered and operating from Ramanagara, Karnataka, India.
By accessing our website, submitting a loan application, sending an enquiry, or engaging with our advisors in any capacity, you confirm that you have read, understood, and agree to comply with these Terms, as well as our Privacy Policy and Disclaimer.
RS Financial Services operates as an independent financial advisory and referral intermediary. Our services include:
- Loan advisory and application facilitation for personal loans, home loans, business loans, and loans against property through our 15+ partner banks and NBFCs.
- Insurance advisory and policy facilitation through our IRDAI-registered insurer partners.
- EMI and premium calculators for indicative financial planning purposes.
- Financial literacy content, rate comparisons, and product guidance.
- Post-application support including document assistance, lender follow-up, and claim support.
RS Financial Services is a DSA (Direct Selling Associate) and advisory intermediary — we are not a bank, NBFC, or insurer. All final lending and insurance decisions rest with our partner institutions, subject to their own terms, eligibility criteria, and regulatory frameworks.
To use our services and submit a loan or insurance application, you must:
- Be at least 21 years of age (or 18 years for certain insurance products).
- Be an Indian citizen or resident with a valid PAN card and Aadhaar number.
- Have the legal capacity to enter into binding contracts under Indian law.
- Provide accurate, complete, and truthful information in all application forms and communications.
- Not be blacklisted, wilful defaulter, or otherwise ineligible under RBI or lender-specific guidelines.
We reserve the right to decline service to any user who does not meet eligibility criteria or provides false information.
As a user of RS Financial Services, you agree to:
- Provide only accurate, truthful, and up-to-date information in all applications and communications.
- Not submit applications on behalf of another person without their explicit written consent.
- Not use our platform for any fraudulent, deceptive, or unlawful purpose.
- Not attempt to reverse-engineer, scrape, or copy any content or functionality of our website.
- Notify us promptly if any information you have provided changes materially.
- Respect the intellectual property rights of RS Financial Services and our partners.
- Not engage in abusive, threatening, or harassing behaviour towards our staff or advisors.
Providing false information in a loan application is a criminal offence under the Indian Penal Code and relevant banking regulations. We reserve the right to report any suspected fraud to the appropriate authorities.
All content on this website — including but not limited to text, graphics, logos, icons, images, data compilations, and software — is the exclusive property of RS Financial Services or its licensed content providers.
- You may view, download, and print content for personal, non-commercial use only.
- You may not reproduce, republish, distribute, or commercially exploit any content without prior written consent from RS Financial Services.
- The "RS Financial Services" name, logo, and associated trade dress are proprietary marks and may not be used without written permission.
RS Financial Services provides advisory and referral services in good faith. However, to the maximum extent permitted by applicable law:
- We do not guarantee loan approval, specific interest rates, or loan amounts — all final decisions rest with partner lenders.
- Interest rates, fees, and terms displayed on our website are indicative and subject to change without notice.
- We are not liable for any loss or damage arising from decisions made by partner lenders based on your application.
- We are not responsible for any delay, failure, or error caused by third-party services (banks, NBFCs, insurers, or technology providers).
- Our total liability to any user for any claim shall not exceed ₹10,000 or the actual damage suffered, whichever is lower.
These Terms are governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Ramanagara, Karnataka, India.
We encourage users to first attempt resolution through direct communication with us at rfinancialservices27@gmail.com before initiating any formal legal proceedings.
RS Financial Services reserves the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. We will update the "Last Updated" date at the top of this document accordingly.
Your continued use of our services after any changes constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically.
Questions About These Terms?
rfinancialservices27@gmail.com
Nagaraj Complex, 1st Floor, Above Union Bank, BM Road, Ramanagara, Bangalore – 562159
Disclaimer
Important disclosures about our advisory role, content accuracy, and the nature of our services.
Important: Please read this Disclaimer carefully. RS Financial Services acts as a financial advisory intermediary only. We are not a bank, NBFC, or registered investment adviser. All financial decisions should be made after independent due diligence and qualified professional consultation.
The information provided on this website and through our advisors is for general informational and educational purposes only. While we strive for accuracy, we make no warranties — express or implied — regarding completeness, accuracy, reliability, suitability, or availability of any information or services.
Any reliance you place on such information is strictly at your own risk. RS Financial Services shall not be liable for any loss or damage — including indirect or consequential loss — arising from the use of, or inability to use, this website.
RS Financial Services is an independent financial advisory firm and registered DSA. We are not:
- A bank or banking company under the Banking Regulation Act, 1949.
- A Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India.
- An insurance company or underwriter regulated by IRDAI.
- A Portfolio Management Service or regulated investment adviser under SEBI.
Our role is to facilitate introductions between applicants and partner lenders. All lending decisions, credit assessments, approvals, disbursals, and interest rates are solely determined by the respective partner bank or NBFC — not by RS Financial Services.
Interest rates, EMI calculations, premium estimates, and eligibility figures on our website are:
- Indicative only — based on current market conditions and may change without notice.
- Not guaranteed — actual rates depend on your credit profile, lender policies, and RBI directives at the time of application.
- Subject to lender discretion — final rates and terms are determined exclusively by the lending institution.
- Calculator outputs are illustrative — EMI and premium calculators are for planning convenience only and do not constitute a binding offer.
We recommend verifying all rates and terms directly with the lender before signing any loan agreement or insurance policy.
Our website may contain links to partner bank websites, insurer portals, and other third-party resources for convenience only.
- RS Financial Services does not endorse or assume responsibility for third-party website content or practices.
- Your interactions with third-party websites are governed by their own terms and privacy policies.
- Inclusion of a partner on our website does not imply their endorsement of RS Financial Services.
Nothing on this website constitutes investment advice, securities recommendations, or regulated financial planning advice under SEBI regulations. Our guidance is not a substitute for:
- A formal credit assessment by a licensed lender or credit bureau.
- Legal advice from a qualified advocate regarding property or loan agreements.
- Tax advice from a chartered accountant regarding financial product implications.
- Investment advisory from a SEBI-registered investment adviser.
RS Financial Services operates under the following frameworks:
- DSA Registration: Registered Direct Selling Associate with partner banks under RBI-regulated DSA agreements.
- Insurance Referral: We facilitate introductions to IRDAI-licensed advisors and companies. Our insurance staff hold valid IRDAI certifications.
- IT Act Compliance: We comply with the Information Technology Act 2000 for electronic transactions and data processing.
RS Financial Services is not registered with SEBI as an investment adviser or stockbroker. We do not provide advice on securities, mutual funds, equity, or any capital markets products.
Questions about this Disclaimer or our advisory role:
RS Financial Services
Ranganath HR, Founder & CEO
Nagaraj Complex, 1st Floor, Above Union Bank, BM Road, Ramanagara – 562159, Karnataka