We provide affordable micro-loans, savings plans, and financial literacy programmes designed to empower underserved communities and small businesses across India.
Loans Disbursed
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Years of Trust
Who We Are
Founded in 2010, BS Finance has been committed to uplifting communities by providing responsible, transparent, and affordable financial services to those excluded from the formal banking system.
Today we serve over 2.5 lakh active borrowers across 8 states through a network of 120+ branches — with a 98.5% repayment rate that reflects the trust our clients place in us.
Loans in 24–48 hours
Starting 12% p.a.
Aadhaar + PAN only
Collection at your door
Total Loans Disbursed
Active Borrowers
Branch Network
Repayment Rate
What We Offer
From micro-loans to insurance, we cover every aspect of financial needs for individuals, groups, and small businesses.
Quick personal loans from ₹10,000 to ₹5,00,000 with flexible repayment and minimal documentation required.
Joint Liability Group loans for Self-Help Groups with competitive rates and weekly/monthly doorstep collection.
Working capital, equipment finance and expansion loans for small shop owners, traders, and entrepreneurs.
Secure savings products with attractive interest. Build your financial safety net with recurring and fixed deposits.
Affordable life and health coverage starting ₹200/year. Protect your family from unexpected events.
Free workshops on budgeting, savings, digital payments, and responsible borrowing in local languages.
Simple Process
Our streamlined process ensures you get funds quickly and hassle-free.
Fill the simple application form with basic details
Upload Aadhaar, PAN, and income proof
Our team verifies your application swiftly
Amount disbursed directly to your bank account
Plan Your Finances
Calculate your monthly instalment before applying.
Client Stories
Real stories from real clients whose lives have been transformed through our services.
BS Finance helped me expand my tailoring business with a quick loan. The process was smooth and the staff was genuinely supportive throughout my journey.
Our Self-Help Group has been banking with BS Finance for 3 years. The doorstep collection is so convenient for all of us — we recommend them wholeheartedly.
I funded my son's education with BS Finance. The interest rate was very affordable and the EMI fits perfectly within my monthly budget. Highly grateful.
Common Questions
Everything you need to know about our loan products and process.
For individual loans you need Aadhaar card, PAN card, one passport-size photograph, and a bank passbook or statement. For group loans (JLG), members collectively need their Aadhaar cards and photographs.
Personal micro-loans are approved within 24–48 hours. Group loans take 3–5 business days including group verification. Business loans may take 5–7 business days.
No. All our micro-loan products are unsecured — no collateral or guarantor needed. For business loans above ₹5,00,000 a co-applicant may be required.
Yes, you can prepay at any time with zero foreclosure penalty. Early repayment helps you save on interest costs.
Our field officer will reach out to understand your situation and work out a revised schedule. A minimal late fee may apply as per the loan agreement, but no harassment — ever.
Get In Touch
Have a question or want to apply? Reach out — we'd love to hear from you.
We'll respond within 24 business hours.