OUR STORY
The Beginning: A Shared Frustration
In the bustling heart of Assam, two seasoned bankers—Pankaj Gurung and Jyotimani Gogoi—witnessed the same problem day after day. Despite working in prestigious banks for over a decade, they saw countless deserving individuals and businesses struggle to access loans. The process was complicated, slow, and often discouraging.
Pankaj remembers a young entrepreneur from Guwahati who had a brilliant business idea but was rejected by three banks due to paperwork complexities. Jyotimani recalls a middle-class family whose dream of homeownership was delayed by months because they didn't know which bank offered the best rates.
The realization hit them hard: The system wasn't broken—it was just inaccessible.
Our mission
"To empower every individual and business in Assam—and beyond—with seamless access to the best financial solutions, without the hassle, confusion, or rejection that comes with traditional banking."
They didn't want to be just another loan agency. They wanted to be trusted advisors, dream enablers, and financial partners who genuinely cared about their clients' success.
What Makes Us Different
Unlike faceless online platforms or cold corporate banks, AJ Financial Services operates on three core principles:
1. Empathy First: We remember what it feels like to be on the other side of the desk—confused, anxious, and hoping for approval. Every client interaction is guided by genuine care and understanding.
2. Transparency Always: No hidden charges. No confusing jargon. No false promises. We explain everything clearly, compare options honestly, and let you make informed decisions.
3. Local Roots, National Reach: Born in Assam, we understand the unique financial needs of our community. But our network spans across India, ensuring you get the best options whether you're in Guwahati, Mumbai, or Bangalore.
Contact Us
ajfinancialghy@gmail.com
+91-84718 05056
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+91-60027 05056
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Disclaimer: AJ Financial Services is a loan aggregator. We are not a lender. Loan approval is subject to lender's terms and conditions. Interest rates and processing fees may vary based on credit profile.