TFS

TFS is your trusted partner for securing loans in India. We are a Direct Selling Associate (DSA)/loan aggregator that simplifies the loan application process by connecting you with leading banks and NBFCs. Our app allows you to easily submit an enquiry for various loan products. Our expert team will then contact you to understand your needs, assist with documentation, and guide you in obtaining the best possible loan offers from our esteemed financial partners.

**We facilitate the following types of loans:**
* Home Loans
* Business Loans
* Personal Loans
* Loan Against Property

**Our Lending Partners:**
We are proud to partner with the following reputable RBI-registered financial institution:
* IDFC FIRST Bank Limited (Bank): https://www.idfcfirstbank.com/
Agreement can be found here: https://tfsfinserv.com/Agreement-IDFC.pdf

Official Website Mention can be found here: https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/ACTIVE-VENDOR-LIST.pdf
[Search for Thoshika Financial Services]
The Document is hosted in the official IDFC First Bank Website.

Verification of Partnership: We are listed as an official partner on the IDFC FIRST Bank's website. To make verification easy for our users and for the Google Play review team, we have compiled the documentary proof on our official website.
Please visit our partners page to view the official confirmation:
https://tfsfinserv.com/lending-partners.html

**Important Loan Information:**

Please note: TFS is NOT a lender. We are a loan channel partner (connecting customers to banks by providing guidance). The final loan terms, including interest rates, fees, and repayment tenure, are determined solely by the respective bank or NBFC partner based on your creditworthiness and their policies. The following information is indicative and covers the general range offered by our partners:

* **Minimum and Maximum Period for Repayment:**
* Personal Loans: Typically from 12 months (1 year) to 60 months (5 years).
* Home Loans & Loan Against Property: Typically from 12 months (1 year) up to 360 months (30 years).
* **Maximum Annual Percentage Rate (APR):**
* The APR for loans facilitated through our platform can vary depending on the lending partner, loan amount, loan type, tenure, and the customer's credit profile.
* For Personal Loans, the APR generally ranges from approximately 10.99% to 35% (including interest rate and applicable fees).
* For secured loans like Home Loans, the APR is typically lower.
* **Representative Example of the Total Cost of the Loan:**
Let's consider an example of a Personal Loan facilitated through one of our partners:
* Loan Amount: ₹1,00,000
* Interest Rate (APR): 14% per annum
* Tenure: 12 months
* Processing Fee (illustrative, can vary by lender): 2% of loan amount = ₹2,000 + GST as applicable
* Total Interest Payable: ₹7,801 (calculated via reducing balance method)
* Equated Monthly Instalment (EMI): ₹9,002
* Total Amount Payable (Principal + Total Interest + Processing Fee): ₹1,00,000 + ₹7,801 + ₹2,000 = ₹1,09,801 (excluding GST on processing fee).

**Disclaimer:** This is a representative example. The actual interest rate, processing fees, and EMI will vary based on the lending partner's policies, the loan amount, tenure, and the customer's individual credit assessment. We encourage you to discuss all terms and conditions with the respective bank/NBFC before availing any loan.

* Short-Term Loans: We do NOT offer or facilitate personal loans which require repayment in full in 60 days or less from the date the loan is issued. All loans facilitated through our platform have a minimum repayment period greater than 60 days.

Our Services:
* Easy loan enquiry submission.
* Personalized assistance from our loan experts.
* Guidance on documentation.
* Connecting you with suitable banks and NBFCs.

Privacy:
Your privacy is important to us. Please review our Privacy Policy here: https://tfsfinserv.com/privacy.html

Recent changes:
** Release Notes – December 15, 2025 **
- Improved stability and consistency across app features