Loans We Facilitate
Home loans, KSFE takeover + top-up, loan against property, and business loans — all sourced from 30+ banks and NBFCs across Kerala.
Category 01
Home Loans
Plot Purchase Loan
Finance the purchase of a residential plot from nationalised and private banks with LTV up to 75% of the plot value and tenures up to 15 years.
- ✓Up to 75% of plot value
- ✓Tenures up to 15 years
- ✓SBI, BoB, ICICI, HDFC & more
- ✓Title deed verification support
Plot Purchase + Construction
Buy the plot and build your home under a single composite loan. Funds release in stages — interest accrues only on the disbursed amount during construction.
- ✓Single loan for land + construction
- ✓Stage-wise disbursement
- ✓Interest only on disbursed amount
- ✓Tenures up to 30 years
Home Purchase Loan
Buy a ready-to-move home or apartment. We compare live rates across 30+ lenders and present the lowest offer for your income and credit profile.
- ✓Up to 90% LTV for loans up to ₹30L
- ✓Up to 80% LTV for ₹30L–₹75L
- ✓Salaried, self-employed, NRI eligible
- ✓PMAY subsidy guidance
Under Construction Loan
Buying a flat still being built? Disbursements are linked to builder progress — pre-EMI option available to keep early costs low.
- ✓Disbursement linked to builder progress
- ✓Pre-EMI or full EMI options
- ✓Builder approval tie-ups available
- ✓All major banks covered
Renovation & Extension Loan
Add a floor, renovate your kitchen, repair the roof, or extend your living space. Available up to ₹50 Lakhs with faster processing and minimal documentation.
- ✓Up to ₹50 Lakhs
- ✓No mortgage for smaller amounts
- ✓Faster processing
- ✓Tenures up to 15 years
Balance Transfer
Already paying a high rate? We transfer your loan to a lender offering better terms, negotiate the rate on your behalf, and handle the full transfer process.
- ✓Lower EMI from day one
- ✓Top-up available on transfer
- ✓Minimal documentation
- ✓Suitable after 12 EMIs paid
Category 02
Loan Takeover + Top-Up
The most impactful service we offer in Kerala. A huge share of existing home loans sit with KSFE and cooperative societies at 9–12%. We transfer them to banks at 8.3–9% — often saving ₹2,000–₹5,000 per month with zero penalty.
From KSFE
KSFE home loans run at 9%–9.75%. We transfer them to banks at 8.3%–9%, saving you thousands monthly. KSFE charges zero premature closure penalty — making the switch completely cost-free.
Save ₹2,000–₹5,000/monthFrom Co-operative Societies
Primary Agricultural Credit Societies (PACS) and other co-operative societies in Kerala charge 9%–12%. We transfer these to nationalised or private banks at significantly lower rates.
Rates drop by 1–3%Bank-to-Bank Transfer
If your current bank raised rates or another lender is offering a better deal, we facilitate the transfer seamlessly — including negotiating a reduced rate with the incoming bank.
Even 0.5% saves ₹1L+ over tenureTop-Up Loan — Get Extra Funds at Home Loan Rates
When we take over your existing loan, we can also disburse an additional top-up amount at the same home loan rate — far cheaper than a personal loan charging 13%–18%. Use it for renovation, education, medical expenses, or anything else.
Top-Up Rate
8.5%–9.5% p.a.
Personal Loan Rate
13%–18% p.a.
Max Tenure
Up to 20 years
Category 03
Loan Against Property
Your property is your most powerful asset. With a Loan Against Property (LAP), you can unlock its value for business expansion, education, medical emergencies, or any major expense — without selling it.
LAP rates are much lower than personal loans, making it one of the smartest ways to access large funds quickly.
- ✓Residential, commercial, or plot — all eligible
- ✓Up to 65% of the property's current market value
- ✓Tenures up to 15 years
- ✓Available for salaried and self-employed
- ✓Rates: 9%–11% (vs 13–18% for personal loans)
- ✓SBI, HDFC, Axis, Bajaj Finserv, Tata Capital & more
LAP vs Personal Loan
EMI figures indicative. LAP column uses Smart Way Solutions rates.
Category 04
Business Loans
We facilitate business loans for all types — from small informal traders with no ITR to large formal enterprises. We know which lender accepts which profile.
Small Business / Informal
No ITR / No GST
Small traders, kirana shops, auto drivers, contractors, and micro-entrepreneurs who don't file ITR or aren't GST-registered. Standard banks decline these — we work with NBFCs and HFCs that use bank statement-based income assessment.
- ✓Income assessed from 12–24 months bank statements
- ✓Business vintage: minimum 2–3 years
- ✓NBFC and HFC lenders (not PSBs)
- ✓Loan amounts: ₹1L – ₹50L
- ✓Mudra loans (up to ₹10L) also facilitated
- ✓Rates: 12%–16% (expected for informal profile)
Formal Business
With ITR + GST
Established businesses, proprietorships, partnerships, and private limited companies that file ITR and GST returns. Full documentation assessed by nationalised and private banks for the best rates.
- ✓2–3 years ITR + CA-certified P&L + balance sheet
- ✓12 months GST returns (GSTR-3B) required
- ✓Loan amounts: ₹10L – ₹5 Crore
- ✓Working capital, term loan, and OD/CC facilities
- ✓Nationalised and private banks available
- ✓Rates: 9%–14% depending on profile
Category 05
Car Loans
Whether you're buying brand-new or pre-owned, we source the best car loan rates from 30+ banks and NBFCs across Kerala. Fast approvals, minimal paperwork, and we handle everything.
New Car
New Car Loan
Drive home your brand-new car with financing from top banks and NBFCs. We compare rates across lenders and get you the best deal — whether it's a hatchback, sedan, SUV, or luxury vehicle.
- ✓Up to 100% on-road price financing
- ✓Tenures up to 7 years
- ✓Rates from 7.5%–9.5% p.a.
- ✓Salaried & self-employed eligible
- ✓All major brands covered
- ✓Doorstep documentation
Used Car
Used Car Loan
Get a pre-owned vehicle loan without the hassle. We work with lenders who specialise in used car financing — even for cars up to 10 years old — with fast approvals and minimal paperwork.
- ✓Up to 90% of vehicle valuation
- ✓Cars up to 10 years old eligible
- ✓Tenures up to 5 years
- ✓Rates from 9%–14% p.a.
- ✓Quick turnaround — 2–3 working days
- ✓All makes and models considered
New vs Used — Quick Comparison
| Feature | New Car | Used Car |
|---|---|---|
| Interest Rate | 7.5%–9.5% p.a. | 9%–14% p.a. |
| Max Financing | Up to 100% on-road | Up to 90% of value |
| Max Tenure | 7 years | 5 years |
| Vehicle Age | Brand new | Up to 10 years old |
| Processing Time | 1–2 working days | 2–3 working days |
Rates indicative. Final rate depends on credit profile, lender, and vehicle value.
31+ Banks & NBFCs — One Application
Submit one enquiry. We compare live offers from all our partners and bring you the best rate and fastest approval — at zero cost to you.
SBI
State Bank of India
BoB
Bank of Baroda
Canara Bank
Union Bank
Union Bank of India
Indian Bank
Punjab National Bank
PNB
BOI
Bank of India
IDBI Bank
ICICI Bank
HDFC Bank
Axis Bank
Kotak Mahindra
Federal Bank
SIB
South Indian Bank
IDFC
IDFC First Bank
Yes Bank
IndusInd Bank
CUB
City Union Bank
RBL Bank
PNB HFL
PNB Housing Finance
LIC HFL
LIC Housing Finance
GIC HFL
GIC Housing Finance
Axis Home Finance
Birla Home Finance
Muthoot HFC
ICC HFC
ICC Housing Finance
Bajaj Finserv
Tata Capital
Manappuram Finance
Chola Mandalam
Muthoot Finance
Also facilitating transfers from KSFE, cooperative societies & employer loans
Ready to Get Your Loan Approved?
Submit a quick enquiry. Our advisor calls within 24 hours with the best offers from our bank partners — 100% free service.
Apply for a Loan — It's FreeSalaried • Self-Employed • NRI — All categories welcome