Frequently asked
questions.

DealGini Private Limited is a Direct Sales Agency (DSA) headquartered in Kolkata. We connect borrowers with 21 banks and NBFCs, support brokers and agents with tools and commissions, and offer strategic consultancy to growing businesses. We operate across 9 states and 24 cities.

DealGini was founded by Abhishek Pandey, who brings over 25 years of experience from ICICI Bank, ABN AMRO, SREI Infrastructure Finance, Bajaj Finserv, Magma Fincorp and CNHI Capital. The company was co-founded with Alok Abhishek, who oversees operations and business development.

No. DealGini is a Direct Sales Agency (DSA) — we are not a lender ourselves. We act as an intermediary between borrowers and our network of 21 principal lenders, helping customers find the right loan and submit complete, well-prepared applications.

Our headquarters is in Kolkata (West Bengal). We have service offices in Hazaribag (Jharkhand), Patna (Bihar), Lucknow (Uttar Pradesh) and Pune (Maharashtra — West Zone). We also have field coverage across Odisha, Assam, Delhi and Chhattisgarh.

No. Our services are free for borrowers. DealGini earns commissions from lenders upon successful loan disbursement. There is no fee charged to borrowers for consultation, file preparation or lender matching.

We offer Commercial Vehicle Loans, Construction Equipment Loans, Home Loans and LAP, Personal Loans, Car Loans (new and used), Business / MSME Loans, Insurance products and Fixed Deposit & Mutual Fund investments — across 21 lender partners.

We assess your credit profile, income type, loan amount required and geography — then match you to the lender from our network most likely to approve your application at the best rate. This avoids unnecessary rejections that can hurt your credit score.

Yes. Different lenders have different credit policies. A rejection from one bank does not mean rejection everywhere. DealGini will assess your profile and identify lenders with the best fit, including NBFCs that may have more flexible criteria.

Turnaround varies by product: Personal Loans can be approved in 1–3 days, Car Loans in 1–3 days, Commercial Vehicle and Home Loans in 3–10 days, and Construction Equipment Loans in 5–10 days. DealGini follows up with lenders to keep your file moving.

Typically you will need: Aadhaar + PAN (identity), address proof, income proof (salary slips / ITR), bank statements (6–12 months) and product-specific documents (e.g. vehicle quotation for vehicle loans, property documents for home loans). Each product page on our website has a full checklist.

Visit our Become a Partner page or fill the registration form on this website. Our team will call you within 24 hours to complete onboarding. The process is free and takes less than 3 minutes to initiate.

No. Joining the DealGini partner network is completely free. We earn when you earn — through commissions on successful disbursements.

Commissions are calculated on loan disbursement and paid on a regular cycle. Exact rates and payment timelines are discussed during onboarding. DealGini's policy is that partner commissions are paid on time, every time.

No. We welcome partners from across all 9 states we currently cover — and from new geographies where we are expanding. If you are in a city not currently in our network, please register and we will assess coverage options with you.

Partners get access to a CRM dashboard to submit and track leads, guidance on documentation requirements for each lender, dedicated support for file queries and escalations, and access to all 21 lenders in our principal network.

Every application is reviewed by our team before submission. We check documentation completeness, verify customer eligibility against the specific lender's criteria, and ensure customers are pre-counselled on the terms. Our rejection rate is significantly lower than the industry average as a result.

We currently source from 9 states: West Bengal, Bihar, Jharkhand, Uttar Pradesh, Odisha, Assam, Chhattisgarh, Delhi and Maharashtra — across 24 cities and touchpoints. Our strongest volumes come from Bihar, Jharkhand and West Bengal.

Use the Principal Enquiry tab on our Contact Us page or visit the For Banks & NBFCs section of our website. All principal enquiries are handled directly by Abhishek Pandey and responded to within 1 business day.

Our strongest segments are commercial vehicle loans, construction equipment loans, home loans and LAP, and MSME/business loans. We also source personal loans, car loans and insurance products. We are open to discussing new product categories with interested principals.

We cover three practice areas: Financial Services & DSA (lending, distribution strategy, compliance), Industrial & B2B Sales (automotive, paint, manufacturing sectors) and Tourism & Hospitality (strategy, operations, growth). We also assist with business setup and market entry.

Pricing is not displayed on our website as it depends on the scope, duration and nature of the engagement. The first conversation is always free. We discuss fees transparently after understanding your situation and before any engagement begins.

Yes — in fact, small and mid-sized businesses are our primary consultancy audience. We don't use textbook frameworks or charge enterprise rates. We bring real industry experience and practical advice that makes sense for businesses where every rupee of advisory spend needs to deliver results.

Our team will call you within 2 business hours during working hours (Mon–Sat, 9am–7pm). We'll understand your requirement, assess your profile and tell you clearly what options are available and what the next steps are.

Yes. We take data privacy seriously. Your information is stored securely in our CRM and is only shared with lenders as part of a formal loan application — and only with your knowledge and consent. Please read our Privacy Policy for full details.

Yes. Once your application is submitted to a lender, our team provides regular updates on the status. Partners can track submissions via the CRM dashboard. Retail borrowers can contact us directly via WhatsApp or email for status updates.