Dealing with banks has always been like doing a maths problem, once you got committed a mistake the whole process and result get ruined. Getting a bank loan approved is not the easiest process. In light of recent economic troubles across the nation, lenders are looking for a lot more in a loan applicant and are stricter. While there are several key areas lenders will be focusing on, it is important that we are ready to present the perfect, complete package for review if you hope to get approved.
Do you need a lone from bank? In your busy day-to-day life is it too difficult to deal with banking formalities? Now you can avail financial services very easily from Kuttichakku Consultancy Services Pvt. Ltd.
Well known financial consultant Vinu paul shares the story behind his venture Kuttichakku Consultancy Services Private Ltd with Business Zoom.
Within a short period of one year Thrissur based Kuttichakku Consultancy Services Private Ltd has a proven track record in facilitating and solving all the headaches associated with availing financial assistance from banks for common public.
The Managing Director of KCS, Vinu Paul has more than 14 years of banking experience handling various key responsibilities from HDFC, one of the biggest banks in India. He left the job for this startup. This interview done by Nithya Nair on behalf of Businesszoom is shedding light on this inspiring entrepreneur’s startup.
When the idea for KCS as the next venture began to formulate? What are the problems and difficulties KCS is trying to address?
Availing loan as soon as possible was a very difficult venture given that the fact that it used to take long time and prolonged procedure by people involved. When I was working in bank, I always used to come across seeing these difficulties faced by common people. The idea to start an agency to make this process fairly simple and easy came from this experience. Our firm started with an intention of facilitating loans/ advances to all segments of people and address to solve all the headaches associated with it.
What is the incentive for consumers on approaching KCS?
We facilitate clients in availing various kinds of loans/ advances like home loans, business loans, land purchase loans, loan for purchasing flats, renovation/extension work based loans, advance for new and existing business establishments, turn over based loans for business establishments, overdraft facility, agricultural loans, industrial loans, loan against property and mortgage loans at minimum interest rate with very minimal turnaround time.
What are the main services provided by KCS apart from assisting in availing loans?
Apart from functioning as an intermediary, customers will get advice on financial planning, various advance/loan options thereby ensuring the maximum utilization of the monthly installment options from here. We also facilitate loans for auto loans, car loan, commercial vehicle loans and industrial and heavy equipments loans.
We are specialised in arranging unsecured loans like personal loans, business loans etc.. “Unsecured loans are rendering without collateral security & without mortgaging any property as collaterals”.
Who are the main prospective customers of your firm?
Presently we are facilitating loans/advances to all segments of people. We have customers from all sectors such as salaried, professionals, businessmen & NRIs.
Which are the financial institutions you are associated with?
We have tie-up with many nationalised banks, schedule/ commercial banks, new generation banks, non banking finance institutions and various financial institutions.
And for sure, this is helping in facilitating loans to govt approved projects, subsidised loans, special govt sponsored projects, over draft loans, purchase of land for constructing house, commercial landscommercial spaces for running business/ industry/ trade, loans/advances for plant and machinery etc.
Which of the factors make your services different from other consulting service firms?
Under single roof, our customers can choose the best option on Interest rates, advice on various features designed in loan products for example – home loan with overdraft facility. 2) Mortgage loans (option a), loan against property with monthly installment option (option b) and loan against property with over draft facility that will get advantage on the optimum utilisation vs interest rate benefits. Also clients can choose the loan facility comparing different financial institutions comparing the rating of the banking institution, network, other banking facility etc. We assure in facilitating loans from wide range of financial/ banking institutions with lowest interest rate, maximum funding as per client needs, speedy and smooth documentation etc.
What do you consider the strongest assets of KCS in dealing with customers?
We assure quality and professional door step services with large basket of options to our customer’s. All the directors of the company hail from noble aristocratic family with high educational background. Doorstep service from our highly trained team has acquired loyalty from them. The Customer can call any time and then our staff will come, meet and will complete the entire formalities.
The quality services and thousands of happy customers across India within this short span mark how Vinu Paul’s words are worth. This motivating entrepreneur is all ready to serve us at one dial. Have a nice banking!!
Vinu Paul Kuttichakku
Mob: 0091 9020775577
Office: 0487 9020884477