Personal Loan
Unsecured funding for weddings, travel, medical needs or debt consolidation, sanctioned against income and repayment history.
Kolkata-headquartered · Multi-product lending desk
Nway Financial Services arranges Personal, Business, Home, Gold, MSME, Property, Car and Education loans — with the EMI, tenure and paperwork explained before you sign anything.
Illustrative repayment slip
Slide to see how EMI changes. Full calculator below.
Registered desk on Park Street, Kolkata
Time-bound eligibility & sanction updates
About Nway Financial Services
Nway Financial Services is a Kolkata-based financial services firm connecting individuals and businesses with the right loan product — Personal, Business, Home, Gold, MSME, Loan Against Property, Car or Education. Our team works directly with lending partners to structure applications, compare rates and keep you informed at every stage, from document collection to disbursal.
We keep the process straightforward: a clear eligibility check, transparent EMI numbers before you commit, and a single point of contact through approval and disbursal — no runaround between departments.
Loan Services
Pick a product below to see what it's typically used for. Every product runs through the same eligibility check and EMI calculator further down the page.
Unsecured funding for weddings, travel, medical needs or debt consolidation, sanctioned against income and repayment history.
Working capital or expansion funding for proprietorships, partnerships and private companies, structured around cash flow.
Purchase, construction or extension financing with long tenures and rates linked to property value and applicant profile.
Quick funding against gold jewellery or coins, with the loan amount based on purity and prevailing market value.
Collateral-light credit lines for micro, small and medium enterprises to cover inventory, equipment or growth capital.
Unlock funds by mortgaging residential or commercial property, at lower rates than unsecured borrowing.
New and used car financing with tenures matched to the vehicle's value and your monthly repayment comfort.
Tuition and living-cost financing for domestic or overseas study, with repayment typically starting post-course.
Why Choose Us
Every quote shows principal, interest and tenure separately — no bundled "processing" surprises after sanction.
The person who takes your enquiry stays with your file through document checks, sanction and disbursal.
Our team collects and verifies paperwork at your home or office where the loan category allows it.
We check eligibility across partner lenders so you see a rate and tenure that fits, not just what's offered first.
We walk you through the loan agreement clause by clause before signature, in Bengali, Hindi or English.
Foreclosure, part-payment or restructuring queries go to the same desk that opened your file.
EMI Calculator
Adjust the amount, tenure and rate to see the EMI, total interest and total payable — updated instantly.
Monthly EMI
Loan Eligibility Checker
This gives an indicative range only. Final eligibility depends on documents, credit history and the lending partner's policy.
Fill the form to see your indicative eligibility here.
Indicative eligible amount
This is an estimate for planning purposes — not a loan offer or sanction.
Client Experiences
"I compared three lenders on my own and got confusing answers each time. Nway's team put the EMI numbers side by side and I finally understood what I was signing."
"Needed working capital quickly for a festive-season order. The documentation team came to my shop and the whole file moved without me visiting any office."
"Our home loan tenure and rate were explained clause by clause before we signed. No hidden charges appeared later, which is what mattered most to us."
"Pledged family gold for a short-term need. The valuation was explained upfront and the loan was disbursed the same day."
"My son's overseas admission had a tight fee deadline. The education loan file was prepared and sent to the lender within days."
FAQ
Typically identity proof, address proof, income proof (salary slips or ITR), bank statements for the last six months, and photographs. Secured loans like Home Loan, Gold Loan or Loan Against Property also need asset-related documents. Our team confirms the exact list once you pick a loan type.
It depends on the loan type and lender. Gold Loans can be same-day. Personal and Business Loans typically take a few working days once documents are complete. Home Loans and Loan Against Property take longer due to property verification.
No. It gives an indicative estimate based on the income and obligations you enter. Actual approval, amount and rate depend on your credit history, documents and the lending partner's underwriting policy.
Most loans allow part-payment or foreclosure after an initial lock-in period, sometimes with a charge. Terms vary by lender and loan type — we explain these clauses before you sign the agreement.
No. Checking your eligibility and getting an EMI quote through our desk is free. Any lender-side processing fee, if applicable, is disclosed upfront before you proceed.
Our desk is based in Kolkata (Park Street) and primarily serves applicants across Kolkata and the surrounding region. Contact us to check support for your specific location.
Contact
Send a message or call us directly — a member of our team will get back to you on the same day.
Suit No.11A, Chatterjee International Centre,
13th Floor, Park Street,
Kolkata – 700071