Built on Trust. Driven by Growth.
Who We Are
Three Decades of Trust in Indian Finance
JSS Investment and Finance Private Limited was incorporated on 10th January, 1996, with a clear founding purpose — to make responsible, transparent financial services accessible to every Indian, whether an individual, an entrepreneur, or a growing enterprise.
On 28th January, 2004, JSS was formally registered as a Non-Banking Financial Company (NBFC) under the Reserve Bank of India — a landmark milestone that affirmed our credibility, our compliance, and our commitment to operating at the highest standards of financial governance in the country.
Over three decades, we have cultivated deep expertise in lending, supply chain financing, and tailored financial solutions. Every step of our journey has been guided by the principles of ethical practice, genuine client empowerment, and the creation of long-term value. Today, JSS stands as a trusted financial institution — backed by a strong regulatory foundation, experienced leadership, and a culture that places people at the heart of every decision.
Our Vision
Leading with Integrity
To be a leading financial institution recognized for our integrity, customer-centric approach, and meaningful contribution to the economic growth of our clients and the nation. We envision a future where every individual has access to fair, empowering, and trustworthy financial services.
Our Mission
Empowering Financial Aspirations
To provide accessible, transparent, and innovative financial solutions that empower individuals and businesses to achieve their goals. We are committed to responsible lending, ethical practices, and building relationships rooted in lasting trust — because our clients' progress is our purpose.
What We Stand For
Our Core Values
Integrity
Integrity is not a policy at JSS — it is the foundation upon which every relationship is built. We conduct ourselves with complete honesty and transparency, ensuring that what we promise is always what we deliver.
Client-First Approach
Every individual who places their trust in us has a unique financial story. We take the time to understand that story and design solutions that genuinely serve their goals — not our convenience.
Responsible Lending
We believe lending is an act of trust. We carefully assess repayment capacity before sanctioning any loan and recover our dues through dignified, ethical means — because we deeply respect the people we serve.
Regulatory Excellence
As an RBI-registered NBFC, compliance is woven into everything we do. We uphold the highest standards of financial governance — not because we are required to, but because our clients deserve nothing less.
Innovation & Adaptability
The financial landscape is constantly evolving, and so are we. We continuously refine our products, processes, and thinking to ensure our clients always have access to the most effective solutions available.
Financial Inclusion
We are committed to making quality financial services accessible to all — removing the barriers that have historically prevented capable individuals and growing businesses from reaching their full potential.
Board of Directors
Meet the founding promoters and directors who have built JSS from the ground up — guiding our strategy, upholding our values, and steering the company with expertise earned over decades in the financial sector.
Mr. Jitendra Agarwal
Promoter & Director — Since 10 January 1996
One of the founding promoters of JSS, Mr. Jitendra Agarwal has served as a Director of the company since its very incept...
Mrs. Sangeetha Agarwal
Promoter & Director — Since 11 June 2015
A promoter and Director of JSS since 11th June, 2015, Mrs. Sangeetha Agarwal brings well-rounded experience in banking, ...