Relationship advice

Hi all, I'm [23M], in the loveliest relationship i can ever imagine, with my partner [22F] from 4 years. We met as bestfriends and fell in love with each other, and we are going to spend life time with each other. We love each other a lottt. We started kissing recently. And now i am comfortable in making love with her (and i would love to if she also wants to). I have never brought this topic with her, as i don't know what will be her reaction and i don't want to make her feel uncomfortable even for a second. To the women in this subreddit, i wanted to know how to go about this- how should i ask her this, or should i wait for some more time, can this make her uncomfortable or it will be fine since she genuinely loves me a lot.