About Us
For more than 20 years, Somnath Sarkar worked inside some of India’s most prominent financial institutions — Axis Bank, Deutsche Bank, Standard Chartered, and Aditya Birla.
In that time, he approved loans, structured credit facilities, analyzed borrower risk profiles, and watched how financial products were priced and sold to the public.
And what he observed changed how he thinks about financial advice.
What 20 Years in Banking Teaches You
Banks are businesses. They design loan products, interest rate structures, and repayment terms to optimize for bank profitability — not borrower outcomes.
That’s not a criticism. It’s simply how financial institutions operate. But it means that the advice a bank gives a borrower about their loan is almost always filtered through the lens of what’s best for the bank’s balance sheet.
The reset clause that bumps your floating rate slower than the RBI repo rate drops? By design. The prepayment process that quietly extends your tenure instead of reducing your EMI? Structural. The balance transfer process that seems complicated and expensive? Intentional friction.
Somnath spent 20 years understanding why these systems work the way they do. SS Finadvisory exists to translate that institutional knowledge into practical strategy for borrowers.
Meet Financial Professional Advisor
About SS Finadvisory
SS Finadvisory is an independent loan strategy advisory firm based in Kolkata, India, serving clients across the country and Indian borrowers abroad (NRI clients welcome). We are not affiliated with any bank, NBFC, or lending institution. We do not earn commissions on loan disbursals. Our only product is strategic advice — delivered with full transparency.
Home Loan Optimization
We work with existing floating-rate and fixed-rate home loan borrowers to reduce their total interest cost, optimize prepayment strategy, evaluate balance transfer economics, and renegotiate rates with lenders.
LAP (Loan Against Property) Advisory
We structure LAP borrowing for individuals and business owners — ensuring the right LTV, the right tenure, and a repayment plan aligned to your income profile and growth objectives.
Business Working Capital Planning
We work with small business owners and entrepreneurs to design working capital loan structures that align with actual cash flow cycles — not just accounting statements.
Our Philosophy
Loans are tools. Like any tool, they can build something or break something — depending on how they’re used. We believe that most Indian borrowers are financially capable and intelligent — they simply lack access to the kind of strategic, insider-informed guidance that was previously available only to large corporates or ultra-high-net-worth individuals. SS Finadvisory changes that.
Every consultation is grounded in three principles:
Transparency
We tell you what will actually save you money, not what sounds good or sells well.
Specificity
We work with your actual loan numbers, your actual lender terms, your actual income situation. No generic advice.
Independence
We have no referral relationships with lenders. Our only incentive is giving you advice that works.
Who We Work With
Credentials & Background
20+ years of experience in Indian banking and financial services
Senior roles at Axis, Deutsche, Standard Chartered Banks & More
Deep specialization in retail lending, credit risk, and loan product structuring
Advisor to individual borrowers, small business owners, and property investors
Based in Kolkata; serving clients pan-India and internationally
A Message From Somnath
“The gap I kept seeing throughout my banking career was this: high-quality financial strategy was reserved for large corporate clients. Individual borrowers — the salaried professional with a ₹50 lakh home loan, the small business owner with a working capital crunch — were given products, not advice.
SS Finadvisory is my attempt to close that gap. You deserve the same quality of strategic thinking that a bank’s institutional client gets. That’s what I’m here to provide.”
— Somnath Sarkar, Founder, SS Finadvisory