Lending and wealth,
under one house.
India Finance House brings two financial disciplines together — credit shaped around how you actually earn, and wealth management that protects and grows what you've built.
One institution, two divisions
Each division runs with its own discipline — and the same standard of transparency.
Lending
Credit structured around real cash flow — personal, business and commercial vehicle finance. Loans are sanctioned by our NBFC partner, Komac Investments & Finance Private Limited.
- Personal Loans ₹10k – ₹10L
- Business Loans ₹10k – ₹10L
- Commercial Vehicle Finance ₹1L – ₹40L
Wealth Management
Portfolio advisory, family-office services and succession planning, delivered through Amol Finance — drawing on three decades of capital-markets membership and a family-office heritage.
- Portfolio & investment advisory Bespoke
- Family office & succession By mandate
- Mutual funds & market access NSE · BSE
From enquiry to disbursal — four steps
Apply online
Share your details and the loan you need. It takes about five minutes.
Submit documents
Upload KYC and income proof securely — no branch visit required.
Assessment
We review your profile and cash flow, and a Key Fact Statement is issued.
Disbursal
On acceptance, Komac credits the funds directly to your bank account.
Institutional experience,
applied locally
India Finance House is part of the Daksfirst group. Our partners have built and audited NBFCs, traded structured credit across global markets, and managed wealth for family offices — and now apply that experience to lending and wealth across India.
The things people ask first
Who actually lends the money?
The Lending division operates as a Lending Service Provider. Loans are sanctioned and disbursed by Komac Investments & Finance Private Limited, an RBI-registered NBFC and the lender of record. India Finance House sources and services the loan.
What is the Wealth Management division?
Wealth Management is delivered through Amol Finance, the group's wealth arm — offering portfolio advisory, family-office services, investments and succession planning, with three decades of NSE and BSE membership behind it.
How is my interest rate decided?
Your rate depends on the product, amount, tenure, security and credit profile. The exact rate, APR and all fees are disclosed in your Key Fact Statement before you sign anything.
How quickly can I get a loan?
Once your documents are complete and verified, assessment and disbursal usually take a few business days. Timelines vary by product and profile.
How do I raise a complaint?
Contact our Grievance Redressal Officer at grievance@ifhl.in. If unresolved within the published timeline, you may escalate to the RBI Integrated Ombudsman.
Ready when you are.
Whether you need a loan today or want to grow your wealth for tomorrow.
The Lending division
Credit structured around how you genuinely earn. Personal, business and commercial vehicle finance — sourced and serviced by India Finance House, sanctioned by our RBI-registered NBFC partner.
Three products, clearly defined
Ticket sizes and tenures below are the published product ranges. Your rate and fees are set per application and disclosed in your Key Fact Statement.
Personal Loans
For life's planned and unplanned needs — education, medical expenses, weddings, travel, or smoothing a seasonal gap in cash flow.
- Ticket size ₹10,000 – ₹10,00,000
- Tenure 3 months – 3 years
- Security Unsecured
- Repayment Daily / Monthly
- Interest rate Per Key Fact Statement
Business Loans
Working capital for small businesses — inventory, equipment, expansion, or bridging seasonal mismatches between receivables and outgoings.
- Ticket size ₹10,000 – ₹10,00,000
- Tenure 3 months – 3 years
- Security Secured / Unsecured
- Repayment Daily / Monthly
- Interest rate Per Key Fact Statement
Commercial Vehicle Finance
Finance for new and used commercial vehicles — helping owner-operators and transporters acquire a first vehicle or expand a fleet.
- Ticket size ₹1,00,000 – ₹40,00,000
- Tenure 1 year – 5 years
- Security Secured
- Repayment Monthly
- Interest rate Per Key Fact Statement
Estimate your monthly instalment
Move the sliders to see an indicative EMI. It is a guide only — the interest rate, processing fee and APR that apply to you are confirmed in your Key Fact Statement before any agreement is signed.
Repayment can be structured daily or monthly to match how your income actually arrives — a core principle of how the Lending division underwrites.
EMI Calculator
Illustrative only. The rate shown is not an offer. Actual pricing is determined per application and disclosed in the Key Fact Statement, per RBI norms.
How the lending works — in the open
Our lending model
India Finance House operates the Lending division as a Lending Service Provider. It sources and services loans; the loan itself is sanctioned and disbursed by Komac Investments & Finance Private Limited, a Non-Banking Financial Company that is the lender of record. All credit decisions rest with the NBFC.
Komac holds a valid Certificate of Registration dated 24 March 1998, issued by the Reserve Bank of India under section 45-IA of the RBI Act, 1934 (CIN U65923MH1994PTC083137). The RBI does not guarantee the financial soundness of the company or the correctness of statements made by it.
Before any loan agreement is executed, you receive a Key Fact Statement setting out the loan amount, interest rate, APR, all fees, tenure and the cooling-off period (30 days, during which you may exit the loan by repaying principal and proportionate APR, without penalty).
Check your eligibility.
A short enquiry, no impact on your credit score, and a clear answer on next steps.
The Wealth division — Amol Finance
India Finance House delivers wealth management through Amol Finance, the group's capital-markets arm. Founded nearly three decades ago, it serves individual, HNI, corporate and NRI clients across the full range of market investments.
Comprehensive wealth & investment services
Access to multiple asset classes and market platforms, with seasoned execution and advisory behind every account.
Equity & Derivatives Broking
Direct access to NSE and BSE with instant order execution by experienced traders, across cash and derivatives.
IPOs & Bonds
A seamless online IPO process and access to primary and secondary bond markets for fixed-income allocation.
Mutual Funds
Expert guidance on mutual fund selection and portfolio construction, as an AMFI-associated distributor.
Depository & Demat
Depository participant services through CDSL — secure custody and settlement of your securities.
NRI Services
Dedicated guidance for non-resident clients investing in Indian markets, with the right account structures.
Wealth & Portfolio Solutions
Comprehensive wealth management — including stock lending & borrowing — for individuals, HNIs and corporates.
Three decades in India's capital markets
Amol Finance is part of the Amol Group, founded nearly 30 years ago by Chartered Accountant Apoorva Sanghvi. It holds memberships and registrations across India's principal market institutions and regulators.
What clients value most
Seasoned execution
Instant order execution by experienced traders, with direct access to trading platforms.
Multiple asset classes
Equity, derivatives, IPOs, bonds and mutual funds — built into one coherent portfolio.
Advisory, not just access
Expert guidance on fund selection and allocation, tailored to individual and HNI goals.
Built for NRIs
Specialist support for non-resident clients navigating Indian market regulation.
Reliable back-office
A robust operations desk with timely payouts and dependable settlement.
A 30-year track record
Long-standing relationships with individual, HNI, corporate and NRI clients.
Speak with the Wealth division
Open an account or review an existing portfolio with Amol Finance — for individuals, families, corporates and NRIs.
About India Finance House
A Daksfirst-group financial house, making transparent, well-structured credit and considered wealth advice accessible to people and businesses across India.
Built to serve the underserved
India Finance House Private Limited was incorporated in 2022 as part of the Daksfirst group. We exist to close the gap between how Indian borrowers actually earn and how traditional lenders assess them.
The house runs two divisions — Lending, in partnership with our NBFC partner Komac, and Wealth Management, delivered through Amol Finance. Together they combine institutional underwriting discipline with three decades of capital-markets experience.
At a glance
- Legal entity Daksfirst India Finance House Pvt. Ltd.
- CIN U65929MH2022PTC379301
- Incorporated 2022, Maharashtra
- Head office Lower Parel, Mumbai
- Divisions Lending · Wealth Management
Our values
Customer-centric
We prioritise customer satisfaction and design products around real financial needs.
Innovation
We keep improving our product offerings, technology adoption and service delivery.
Integrity & ethics
Upholding ethical practice and the highest integrity builds trust with customers, investors and regulators alike.
The people behind the house
Apoorva Sanghvi
More than 40 years in financial services. Apoorva runs Amol Financial Services, a boutique wealth management firm serving family offices and corporates, with NSE and BSE membership and a track record of over three decades.
Sumit Kanthed
Over 14 years in structured credit, derivatives, corporate finance and asset management across Europe and the Middle East; previously at JP Morgan. An investor in Daksfirst and Co-CEO of Maystone Capital, a UK merchant bank. IIT Bombay, IIM Lucknow, CFA and FRM.
Amit Kanthed
Over 10 years in financial services; joined Daksfirst in 2021. Previously at EY and PwC, where he led audits of large NBFCs, MFIs and stock exchanges, working with teams across India and the USA.
Two divisions, one standard.
Explore lending or wealth management, or just get in touch.
Partners & Policies
India Finance House works only with regulated partners and operates in line with Reserve Bank of India norms. Our lending partner, our wealth partner and every customer-facing policy are set out clearly below.
India Finance House operates its Lending division as a Lending Service Provider. All loans are sanctioned and disbursed by our NBFC lending partner, Komac Investments & Finance Private Limited (KIFPL), an RBI-registered NBFC and the lender of record.
Who we work with
Two regulated partners stand behind the two divisions of the house.
Komac Investments & Finance Private Limited
Our Lending division sources and services loans. KIFPL sanctions and disburses every loan as the lender of record — all credit decisions rest with KIFPL.
- RBI Certificate of Registration 24 March 1998
- Registered under s.45-IA, RBI Act 1934
- CIN U65923MH1994PTC083137
- Registered office Fort, Mumbai
Amol Finance
Wealth Management is delivered through Amol Financial Services Pvt. Ltd., the group's capital-markets arm, with three decades in India's securities markets.
- Regulator SEBI-registered
- Exchange memberships NSE · BSE
- Depository CDSL participant
- Mutual funds AMFI-associated
Customer-facing policies
Every policy that governs how we lend and how we treat customers — available to read in full.
Fair Practices Code
How we deal fairly, honestly and transparently with every borrower.
View document ›Interest Rate Policy
How interest rates, the APR and risk gradation are determined.
View document ›Key Fact Statement & Schedule of Charges
The key facts of your loan and all fees, in one clear statement.
View document ›Grievance Redressal Policy
How to raise a complaint and how, and how quickly, it is resolved.
View document ›Outsourcing of Financial Services Policy
How outsourced functions are governed, supervised and reviewed.
View document ›Terms & Conditions and Refund Policy
The terms that apply to your loan and how refunds are handled.
View document ›Policy documents open as PDFs published by our NBFC partner, Komac Investments & Finance Private Limited — the regulated lender of record.
Grievance Redressal
We aim to resolve every concern quickly and fairly. If you have a complaint about a loan or about our service, please contact our Grievance Redressal Officer.
Partner with us
We work with NBFCs, originators and referral partners who share our standards of transparency and care. If you would like to explore a partnership with India Finance House, we would be glad to talk.
Get in touch
Questions about a loan, an existing application, wealth management or a partnership — we're glad to help. Tell us what you need and the right division will respond.
Send us a message
Registered office
India Finance House
603, A Wing, Prathamesh Tower, Raghuvanshi Mill Compound,
Lower Parel, Mumbai 400013
Reach us
General enquiries: info@ifhl.in · +91 22 6212 0441
Compliance: compliance@ifhl.in
Grievances: grievance@ifhl.in
The Wealth division — Amol Finance
Amol Financial Services Pvt. Ltd.
106, Motalibai Wadia Building, 22-D, S A Brelvi
Road, Fort, Mumbai 400001
+91 22 2285 5168 · support@amolfinance.com
Check your eligibility
A short enquiry — about two minutes. We'll review your details and respond with the next steps. This does not affect your credit score.
Your loan enquiry
Share a few details and we'll come back to you with the next steps.
Looking for wealth management instead? Visit the Wealth division ›