Loan consultants · Sector 39-B, Chandigarh
Loans that fit your next move.
From your first home to your next car, we help you understand your options and deal with the lender — so you know what you are signing up for.
- Booth No. 11, Sector 39-B
- +91 90414 70124
- Free first conversation
Our services
Find the loan that fits your goal
Five things we help with. Tell us which one sounds like you, and we will explain what is involved before you commit to anything.
Home Loan
For buying a ready or under-construction home, building on a plot you own, or renovating.
Explore Home LoanCar Loan
For a new or used car, arranged alongside your dealer booking.
Explore Car LoanLoan Against Property
Raise funds against a residential or commercial property you already own.
Explore Loan Against PropertyBalance Transfer
Move an existing loan to another lender when the terms available to you are better.
Explore Balance TransferTop-Up Loan
Additional funds on a loan you are already repaying, without starting again.
Explore Top-Up LoanWhy people come to us
A real office, and a person who answers
Someone explains it
We talk you through your options in plain language, and tell you what to watch out for — not just what to sign.
You know what to bring
We tell you exactly which documents to keep ready for your situation, so your file is complete the first time.
We deal with the lender
Once your file is in, we follow it up so you are not chasing the bank between your own work and family.
You can walk in
Booth No. 11 in the Inner Market, Sector 39-B. Come and sit down with us if that is easier than a phone call.
Five kinds of loan
Home, car, loan against property, balance transfer and top-up — so you are not sent elsewhere halfway through.
No pressure to commit
Ask us what you want to know. If a loan is not right for you just now, we will say so.
How it works
Five steps, and you always know where you are
Tell us what you need
Call, message on WhatsApp, or send an enquiry. Tell us what you are planning.
We understand your situation
Your income, your existing commitments and your timeline, so advice fits your actual position.
We help you compare
What is likely to be available to you, and what the differences mean per month.
Documentation
We tell you what to collect, check the file is complete, and submit it.
The lender decides
Approval, rate and terms are the lender's decision, not ours. We follow it up and keep you updated.
Not sure where to start?
What are you looking for?
Where to find us
Booth No. 11, Inner Market, Sector 39-B
A short walk from the Sector 39 market centre. Come in and talk to us directly — no appointment needed.
- A physical office in Chandigarh you can visit
- Direct phone support on +91 90414 70124
- Email at jpsfinwise@gmail.com
- A clear, documented process from enquiry to disbursal
- Straight answers about what a loan will actually cost you
Questions
Things people usually ask
Is JPS Finwise a bank or a lender?
No. JPS Finwise is a loan consultancy. We help you understand your options, prepare your file and deal with the lender through the process. The loan itself is given by a bank or financial institution, and the approval, interest rate, eligibility and final terms are decided by them based on their policy and your profile.
What does it cost to talk to you?
An initial conversation about what you need and what your options might be costs you nothing. Call or message us on WhatsApp and we will tell you honestly whether we can help.
Can you tell me the interest rate I will get?
Not in advance, and you should be careful of anyone who does. The rate depends on the lender, your income and credit profile, the loan amount and tenure, and what is being offered at the time. What we can do is help you understand what affects it and what to compare.
How long does the process usually take?
It depends on the loan type and how quickly the documents come together. A car loan is generally faster than a home loan, and a loan against property takes longer still because the property has to be valued and legally verified. We will give you a realistic idea once we know your situation.
What documents should I keep ready?
Broadly, identity and address proof, income proof such as salary slips or business accounts, recent bank statements, and the property or vehicle papers where relevant. The exact list depends on the lender and your profile, and we will tell you precisely what is needed for your case.
Do I have to come to your office?
You are very welcome to. We are at Booth No. 11, Inner Market, Sector 39-B, Chandigarh. A lot can also be handled over the phone and on WhatsApp if that is easier for you.
Let's make your next loan decision simpler.
Tell us what you need. We will explain your options in plain language and help you decide what actually suits you.