loan consultancy services​

Who We Are

Founded in 2024, OneTouchFinance.com represents a fresh approach to India’s evolving lending landscape. Our 12 certified financial advisors combine innovative thinking with specialized expertise to navigate today’s complex financial markets. As a startup committed to transforming loan consultation, we deliver transparent, client-centered solutions tailored to India’s dynamic economy.

In our first quarter of operations, we’ve already helped 65+ clients secure competitive financing, with an average interest rate reduction of 0.75% compared to direct bank applications.

“OneTouchFinance helped us secure competitive financing despite being first-time homebuyers with limited credit history. Their advisor guided us through every step and found options we didn’t know existed.” — Vikram and Anita Reddy, Mumbai.

Our Focused Loan Solutions

Home Loans

We navigate India’s competitive property market with practical solutions:

• First-time Homebuyers: Current rates from 8.5% to 13% depending on the credit profile and property location, with a flexible eligibility assessment
• Property Investment: Specialized options for income-generating properties with customized repayment structures
• Refinancing Solutions: Save with our negotiated rates from partner private banks and NBFCs including Axis Bank, HDFC, and Kotak Mahindra

Market Insight: In Q1 2025, we’re observing particularly favorable conditions for home loans in Mumbai suburbs and Bangalore outskirts, with rates trending 0.3-0.5% lower than Q4 2024 for borrowers with CIBIL scores above 750.

Our advisors specialize in metropolitan property markets in Delhi NCR, Mumbai, Bangalore, and Pune, with particular expertise in navigating documentation challenges for self-employed professionals.

Business Financing

Our team focuses on growth-oriented business solutions:

• Startup Funding: Access to private financing networks, angel investors, and venture capital introductions through our partnership with StartupIndia Mentor Network
• Working Capital: Specialized solutions from NBFCs with faster processing than traditional banks—typically 6-8 days versus 15-20 days at conventional institutions
• Business Expansion: Structured finance options with rates starting at 12% for established businesses through our private banking partnerships with ICICI, Yes Bank, and IndusInd Bank

“After struggling with traditional banking channels, OneTouchFinance connected us with an NBFC that understood our business model and approved our expansion financing within 15 days.” — Priya Mehta, Co-founder, Digital Solutions Hub, Bangalore.

Personal Loans

Practical solutions for life’s immediate needs:

• Education Financing: Options ranging from 10% to 16% for domestic and international education expenses, with specialized loan packages for the top 100 global universities offering potentially lower rates
• Medical Expenses: Expedited approval processes for urgent healthcare needs with a 24-48 hour disbursement timeframe
• Debt Consolidation: Structured plans to improve financial management and reduce overall interest burden, with average client savings of ₹1.2 lakhs over the loan term

Our Efficient Methodology

As a modern financial consultancy, we’ve developed a streamlined 4-step process that leverages technology while maintaining personalized service:

1. Digital Financial Assessment: AI-supported analysis of your financial position and credit profile using our proprietary LoanFit™ algorithm that evaluates 37+ parameters beyond traditional credit scores
2. Market Matching: Algorithmic comparison of current loan offerings across our network of NBFCs and private banking partners, analyzing over 200+ loan products in real-time
3. Documentation Support: Digital submission platform with expert verification to minimize paperwork rejections—our clients experience 89% first-time approval rates versus the industry average of 62%
4. Negotiation & Finalization: Leveraging our institutional relationships to secure optimal terms for your specific situation, backed by our Better Rate Guarantee

Building Expertise in Indian Finance

• Specialized Knowledge: Our team includes former employees of leading NBFCs and private banks with an insider understanding of approval processes—collectively representing 75+ years of banking experience
• Digital Innovation: Proprietary comparison tools developed by our in-house fintech team, led by former data scientists from PayTM and PolicyBazaar
• Compliance Focus: Operating in full compliance with all RBI guidelines for financial advisors and consultants, with quarterly compliance audits conducted by Deloitte
• Educational Approach: Regular webinars and resource publishing on navigating India’s evolving credit landscape—our most recent webinar on “Navigating Home Loans in a Rising Rate Environment” attended by 750+ prospective homebuyers

Our advisors maintain professional certifications through the National Institute of Securities Markets (NISM) and the Financial Planning Standards Board India (FPSB), with ongoing training in the latest regulatory developments and market trends.

Client Success Stories

Case Study: Tech Startup Funding For InnovateNow Technologies, a SaaS startup in Hyderabad, we secured a ₹75 lakh financing package through a specialized NBFC focusing on technology ventures, providing working capital without the equity dilution of traditional venture funding. This financing helped them enhance their development team and accelerate their product launch by approximately 4 months.

Case Study: Medical Professional Practice Expansion When a dental clinic in Pune needed ₹45 lakhs for advanced equipment, we navigated specialized healthcare financing options through a private bank, securing approval in 12 days with customized repayment aligned to projected practice growth. The clinic reported a 35% increase in patient capacity within 3 months of implementing the new equipment.

Industry Recognition

While we’re a new entrant in the financial advisory space, our approach has already gained attention:

• Featured in YourStory’s “20 Financial Startups to Watch in 2024”
• Finalist for Economic Times’ “Financial Innovation Awards 2024” in the Customer Experience category
• Our innovative loan assessment methodology was highlighted in Mint’s special report on “Digital Transformation in Indian Banking” (February 2024)

Strategic Partnerships

We maintain strategic relationships with key financial institutions to enhance our service offerings:

• Banking Partners: Axis Bank, HDFC Bank, ICICI Bank, Yes Bank, and Kotak Mahindra Bank
• NBFC Network: Bajaj Finserv, Tata Capital, Aditya Birla Finance, and 12+ specialized lending institutions
• Technology Integration: Integrated with CIBIL, Experian, and Equifax for comprehensive credit analysis

Our Locations

Visit us at our offices:

• Visit Our Branch: #2130, 3rd cross, Sir. m.v. Layout  6th block, Ullal Upanagar, Bangalore – 560110 

Transparent Fee Structure

Our consultation model is designed for clarity:

• Initial Consultation: Free assessment and general guidance (virtual or in-person)
• Success Fee Option: Performance-based structure where we charge a percentage (0.75-1.25%) of the loan amount upon successful disbursement

All fees are formally documented in our client agreement, which clearly outlines our responsibilities, deliverables, and service guarantees.

Our Client Assurance Program

We back our services with concrete guarantees:

• Better Rate Guarantee: If you find a better rate within 7 days of our proposal, we’ll match it or refund your consultation fee
• Transparency Promise: No hidden fees or unexpected charges—ever
• Service Level Agreement: Guaranteed response times and milestone deliveries for every client

Privacy & Data Security

Your financial information receives enterprise-grade protection:

• End-to-end encryption of all client data using 256-bit AES encryption protocols
• Strict adherence to all provisions of India’s Digital Personal Data Protection Act
• No data sharing with third parties without explicit documented consent
• Data retention policies that minimize the storage of sensitive information

Visit our comprehensive privacy policy at www.onetouchfinance.com/privacy and terms of service at www.onetouchfinance.com/terms for complete details.

Start Your Journey Today

Schedule your complimentary consultation:

• Phone: 91-9986645445
• Email: sunilmanjunath@onetouchfinance.com
• Online: Schedule at www.onetouchfinance.com/consult

Bringing fresh thinking to India’s loan consultation experience—navigating complexity with clarity.

OneTouchFinance.com | RBI Registration in process |GST  29AMFR0134H1Z3