About us
Trusted financial guidance from Chennai’s most experienced home loan and insurance advisors since 2009.
Who We AreTHAWA Financial Service Pvt Ltd — Your Trusted Partner
P&P Home Loan Services, a brand under THAWA Financial Service Pvt Ltd, was founded with a singular purpose: to simplify the complex world of home loans, commercial finance, and insurance for every Indian family.Located in the heart of Chromepet, Chennai, we have spent 15+ years building a reputation built on trust, transparency, and tangible results. We are not just loan agents — we are your financial advisors, guiding you through every step from application to disbursal.With partnerships across 30+ leading banks, NBFCs, and insurance companies, we give you access to the widest range of financial products at the most competitive rates — without you having to visit a single bank.
OUR ADDITIONAL INFO
Our MissionTo empower every Indian family with accessible, affordable, and transparent financial solutions — making the dream of homeownership and financial security a reality for all, not just a privileged few.
Our VisionTo be the most trusted financial services brand in Tamil Nadu — synonymous with integrity, expertise, and client-first values — serving every household that deserves a better financial future.
Our PromiseComplete transparency, zero hidden charges, and a dedicated advisor who stays with you from the first enquiry to the final EMI receipt. Your success is our success.
Leadership
Meet the Founders
Two engineers who left corporate careers to build Chennai’s most trusted financial advisory firm.
Er. N. Jaya Chandhar. Founder & Managing Director
A visionary financial strategist with 15+ years in the banking and NBFC sector, Er. Jaya Chandhar founded P&P with a mission to make quality financial guidance accessible to every family in Chennai. His deep expertise in home loans and commercial finance has helped over 5,000 clients achieve their dreams. Qualifications: B.E. Civil Engineering Certified Mortgage Advisor IRDAI Licensed Agent
Er. J. Selva Karthika. CoFounder & Director – Operations
Planner, executor, and customer experience specialist, Er. Selva Karthika oversees all client services and banking partnerships at P&P. Her meticulous approach to documentation and client relationship management ensures every loan application achieves its maximum potential for approval. Qualifications: B.E. Electronics & Communication Certified Financial Planner NRI Loan Specialist
Client-First
Every decision we make revolves around what is best for our client — not the bank, not the commission.
Client-First
Every decision we make revolves around what is best for our client — not the bank, not the commission.
Core Values
Our Journey – 15 Years of Growth
2009
P&P Home Loan Services founded in Chromepet, Chennai
2013
Expanded to 15+ banking partnerships
2016
Launched Insurance Solutions division under THAWA Financial
2019
Crossed ₹100 Crore cumulative loan disbursals
2022
Introduced fully digital NRI loan processing
2024
Crossed 5,000 satisfied clients & ₹500 Cr disbursals