New Delhi, India — In a country where navigating the financial system can often feel overwhelming for everyday consumers, one Delhi-based company has been quietly revolutionizing how people access loans, insurance, and credit card. Founded in 2020 by Sandeep Kumar, Sum New Victory has grown into a trusted bridge between financial institutions and customers seeking simpler, more transparent financial solutions, however, Sandeep Kumar says that he had started working in financial services since 2016.
Starting from humble beginnings, Sum New Victory has made customer satisfaction and transparency its north stars. “We realized early on that many consumers weren’t just looking for financial products — they were looking for guidance, honesty, and respect,” says Sandeep Kumar. “There was a real gap between what banks were offering and what customers needed to feel confident.”
Today, Sum New Victory partners with major banks and NBFCs (Non-Banking Financial Companies) across India, offering an expansive range of services both online and offline. Its portfolio includes loans, insurance policies and credit card solutions.
A Customer-First Model That Breaks the Mold
Unlike traditional financial agents who often prioritize commissions and complex plans, Sum New Victory operates on a zero-commission model for customers. This approach has earned them widespread trust and loyalty among first-time borrowers, small business owners, and working professionals.
“People don’t need complicated jargon or pushy agents,” says founder Sandeep Kumar. “They just want someone to explain the process clearly, help them make the right choice, and stand by them until the job is done.”
And that’s exactly what Sum New Victory does — without charging a single rupee in extra commission to the customer.
Wide-Ranging Services, Delivered the Right Way
Sum New Victory offers an extensive portfolio of services, but what truly sets it apart is how it delivers them.
Loan Services:
Whether customers are seeking personal loans, business loans, home loans, or loans against property, Sum New Victory simplifies the entire process. Their advisors assist at every step — from eligibility checks and document preparation to application submissions and approvals — ensuring that clients fully understand their options and obligations.
Insurance Solutions:
Recognizing the critical importance of insurance, Sum New Victory provides clear and honest guidance on life insurance, health insurance, motor insurance, travel insurance and any insurance. Instead of selling plans based on commission rates, the company focuses on matching clients with policies that best protect their future.
Credit Card Advisory:
Choosing a credit card often feels like navigating a maze of hidden fees and confusing perks. Sum New Victory steps in to help customers select credit cards that truly align with their lifestyle, spending habits, and financial goals — whether that’s maximizing cashback, travel rewards, or enjoying lower interest rates.
Each service is delivered with a consistent promise: no hidden charges, no biased advice, and complete transparency.
Breaking Away from Traditional Financial Models
Perhaps the most revolutionary aspect of Sum New Victory’s approach is its zero-customer-commission policy. In an industry where intermediaries often prioritize their own earnings over client welfare, Sum New Victory earns its income solely through legitimate partnerships with banks and financial institutions — not by charging customers.
This model ensures that every piece of advice they give is genuinely in the customer’s best interest, not influenced by back-end deals or commission structures.
It’s a bold move that has resonated deeply with an increasingly savvy Indian, who are looking for trustworthy financial allies rather than sales agents.
Blending Technology with the Human Touch
Sum New Victory operates in both online and offline modes, offering flexibility to customers. Whether someone walks into the Delhi office or submits an inquiry online, the experience remains consistent — warm, responsive, and professional, but many still prefer the personal, face-to-face interactions at the firm’s Delhi office.
As the world moves toward tech-driven finance, the company hasn’t lost sight of the human element.
This balance between technology and personalized service is a key reason why Sum New Victory continues to stand out in a crowded marketplace.
“Digital platforms are fantastic for speed and reach,” Sandeep Kumar says, “but financial decisions are still deeply emotional. We want to be there for our customers not just through online platform, but as a real partner they can call, meet, and trust.”
Building Trust Between Individuals
Since 2020, the company has helped thousands of individuals and small businesses make informed financial choices. Testimonials from satisfied clients point to a consistent theme: honesty, speed, and genuine support.
One client, a small retail owner from Ghaziabad, shared:
“I had been rejected by two banks before Sum New Victory guided me. Within a week, I had the loan approved. No confusion, no commission, no pressure — just real help.”
Such stories are not uncommon. In a space where people often feel taken advantage of, Sum New Victory has earned a reputation as a company that listens — and delivers.
The Bigger Picture
To become India’s most trusted and customer-centric financial services provider, empowering individuals and businesses with transparent, accessible, and commission-free financial solutions — bridging the gap between financial institutions and everyday people through innovation, integrity, and service excellence.
Sum New Victory isn’t just a name—it’s the promise of financial progress done the right way.
