Who We Are
KS Khata Loan, operated by Om Sai Consultancy, is a financial assistance initiative designed specifically for small businessmen, vendors, farmers, daily wage earners, and senior citizens who face challenges accessing traditional banking finance.
We believe that financial inclusion should be based on credibility, consistency, and community trust, rather than rigid credit scoring systems alone.
Our lending process is transparent, ethical, and guided by realistic repayment capacity, ensuring long-term financial stability for both our clients and our organisation.
Our Mission
To empower underserved individuals by providing fair, transparent, and accessible financial support.
Our Vision
To become a trusted community-based financial service beyond traditional banking systems.
Our Values
Integrity, responsibility, transparency, and long-term relationships.
Our Approach
Personal evaluation, income-based assessment, and ethical recovery practices.
Management Leadership
Company Owner: KS & OSR
P.Sharma
Finance - Head
R.Yasmine
Accounts & Operation - Head (CA)
K.Das
Legal & Compliance - Head
S.Karmakar
Product & Credit - Head
Our Customers
Small businessmen, vendors, farmers & self-employed individuals we proudly serve
