In the heart of India’s bustling capital, far from the hype and headlines of fintech unicorns, a homegrown financial services firm is building something quietly powerful — trust. Sum New Victory, founded in 2020 by entrepreneur Sandeep Kumar, is steadily redefining how common Indians experience finance — and doing so without fanfare or fortune-chasing.
With a sharp focus on transparency, customer-first advisory, and zero-commission-based service models, Sum New Victory has emerged as a key player in helping individuals and families access loans, insurance, and credit cards without falling into the traps that often accompany them.
In a landscape where financial services are frequently delivered with hidden charges, confusing terms, and aggressive sales tactics, Sum New Victory is writing a different kind of success story — one rooted in ethics and education.
From Frustration to Foundation
The origin of Sum New Victory lies in a problem too familiar for millions across the country: lack of financial guidance. After witnessing countless customers struggle with unclear processes and commission-driven intermediaries, Sandeep Kumar realized there was a need for a bridge — not just a broker.
“People didn’t lack access. What they lacked was someone to guide them without an agenda,” Kumar shares.
Starting from a modest office in Delhi, Kumar launched the company with a single principle: help first, sell never. Today, the firm has grown to serve thousands of customers across India, both online and offline, with a service model that remains deeply personal.
Services That Solve Real Problems
Sum New Victory offers three core services:
- Loan Assistance: From personal to business loans, the company works with multiple banks and NBFCs to find the best options for clients — ensuring clarity and realistic repayment structures.
- Insurance Consultation: The team helps customers understand and compare policies in life, health, motor, and general insurance — avoiding the industry’s usual fine-print pitfalls.
- Credit Card Guidance: Rather than push high-commission cards, Sum New Victory matches individuals with cards that suit their income, spending habits, and financial goals.
The key distinction? Clients don’t pay any hidden charges or commissions. Revenue comes from established partnerships with financial institutions (Banking & NBFC), allowing Sum New Victory to maintain unbiased, customer-first recommendations.
Growth Rooted in Trust
What truly sets Sum New Victory apart is its approach to client relationships. Every inquiry — whether from a salaried employee, small trader, or young entrepreneur — is treated with patience and professionalism. Instead of high-pressure sales calls, Sum New Victory advisors focus on simplifying processes, ensuring documentation is complete, and preparing clients for what comes next.
This ethos has led to a 95% customer satisfaction rate and a high percentage of repeat and referral business, especially from Tier 2 and Tier 3 cities where financial literacy remains a barrier to economic growth.
“We get calls from towns in Uttar Pradesh, Bihar, Madhya Pradesh Etc — people who found us online or were referred by relatives,” says Chandan Kumar, one of SNV’s (Sum New Victory) senior advisors. “They don’t want favors. They want fairness. That’s what we give.”
Hybrid Model: Digital + Human
While the market rushes toward app-only models, Sum New Victory retains a hybrid presence. Customers can begin inquiries online, but are also supported through in-person consultations, calls, or WhatsApp-based document assistance. This approach has been especially effective for older customers or those with limited digital literacy.
The team is currently investing in regional language content, online tools, and AI-driven backend systems — but Kumar is clear: “We will always keep a human in the loop.”
A Vision Beyond Profits
As of mid-2025, Sum New Victory has served over 12,000 customers, worked with more than 15 financial institutions, and maintained a flawless compliance record. But what Kumar values most is reputation.
says founder Sandeep Kumar “We’re not trying to be the biggest. We’re trying to be the most trusted.”
Looking forward, the company plans to expand operations in states like Rajasthan, Jharkhand, and Maharashtra, while also launching financial literacy workshops, especially for self-employed and gig economy workers.
A “Victory” for Everyday Indians
In an industry often driven by margins and metrics, Sum New Victory is driven by meaning. It represents a new kind of financial service — one that listens, explains, and stands by its clients long after the forms are signed.
If the future of finance belongs to those who serve with heart, Sum New Victory isn’t just part of that future — it’s quietly leading it.
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