Banks and DSAs (Direct Selling Agents) play distinct roles in the financial landscape. Banks, as regulated institutions, offer a comprehensive range of services under strict guidelines. DSAs, acting as intermediaries, connect borrowers with financial institutions. DSAs, although not directly regulated, specialize in facilitating loans and credit products on a commission basis. Individuals applying for loans or credit cards through DSAs generally won't incur extra costs. Furthermore, applying through a DSA provides customers with more bank options. DSAs often have tie-ups with multiple banks and NBFCs, allowing them to analyze a customer's profile and direct their application to the most suitable institution. This increases the likelihood of customers securing a loan, as DSAs match applicants with the right financial partner. Understanding these distinctions is essential for those seeking financial services tailored to their needs.