Our Loan Portfolio

One Partner.
Multiple Loan Solutions.

Whatever the financing requirement, SKB provides structured options, multi-lender comparison, and end-to-end file execution.

Category 01· 9 options

Home Finance

Home loan, plot purchase, construction, and property-backed solutions tailored to your needs.

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Home Loan

Purchase of ready, under-construction, or resale properties

Structured financing for buying your dream home, whether an apartment, independent house, or ready residential unit.

Ideal for

Salaried IndividualsSelf-Employed ProfessionalsFirst-Time Home Buyers
  • Competitive lender comparison
  • End-to-end file preparation
  • Flexible tenure options based on lender criteria

Home Loan Balance Transfer

Transfer existing home loan for better terms and rates

Switch your current high-cost home loan to a more competitive lender to optimize monthly outgo.

Ideal for

Existing Home Loan BorrowersProperty Owners looking to optimize EMI
  • Lender comparison for potential interest savings
  • Smooth document handover coordination
  • Top-up option availability

Home Loan Top-Up

Additional funds on your existing home loan

Access surplus capital on your active home loan for renovation, interior work, or personal requirements.

Ideal for

Existing Home Loan Customers with clean repayment recordHomeowners renovating property
  • Quick processing over existing loan
  • Lower interest rates compared to unsecured loans
  • Flexible end-use

Loan Against Property (LAP)

Unlock high-value liquidity by mortgaging residential or commercial property

Leverage the market value of your property to raise funds for business expansion, child education, or large financial commitments.

Ideal for

Property OwnersBusiness OwnersSelf-Employed Professionals
  • Substantial funding against property market value
  • Longer repayment tenure
  • Clear title evaluation support

LAP Balance Transfer & Top-Up

Refinance your existing property loan and access additional funds

Transfer your existing loan against property to lenders offering better rates along with supplementary top-up capital.

Ideal for

Borrowers with high-interest LAP accountsBusiness entities seeking additional liquidity
  • Optimized debt structure
  • Additional liquidity sanction
  • Dedicated file processing

Plot / Land Loan

Financing for the purchase of residential or approved plots

Dedicated loan support for purchasing residential land or sanctioned layout plots across Maharashtra.

Ideal for

Plot BuyersInvestors planning future construction
  • Clear legal verification coordination
  • Structured lender matching
  • Fast application handling

Plot + Construction Loan

Combined finance for plot purchase and home construction

Single unified loan solution covering both the plot acquisition and construction milestone funding.

Ideal for

Individual Home BuildersPlot Buyers wanting immediate construction
  • Stage-wise construction disbursement
  • Combined single loan process
  • Architect estimate alignment

Self-Construction Finance

Funds to build a home on your self-owned residential plot

Milestone-linked disbursement designed specifically for constructing your independent home on owned land.

Ideal for

Plot Owners embarking on constructionBungalow / Row-house builders
  • Milestone disbursement verification
  • Flexible stage financing
  • Direct lender coordination

Commercial Property Loan & Purchase Finance

Financing for ready and under-construction commercial real estate

Financing for buying office spaces, retail shops, showrooms, and commercial units.

Ideal for

Business OwnersReal Estate InvestorsProfessionals establishing offices
  • High-value loan evaluation
  • Support for commercial title evaluation
  • Tailored commercial terms
Category 02· 2 options

Personal Finance

Tailored personal finance for immediate family, medical, education, or lifestyle needs.

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Personal Loan

Collateral-free financing for urgent personal requirements

Quick, hassle-free unsecured personal loans for medical needs, travel, education, weddings, or unexpected expenses.

Ideal for

Salaried EmployeesSelf-Employed Professionals
  • No collateral or security required
  • Fast lender evaluation
  • Flexible tenure options

Individual Loan Against Property

Long-term low-cost personal financing using residential property

Lower EMI alternative to personal loans by pledging residential property for higher capital requirements.

Ideal for

Salaried & Self-Employed HomeownersParents funding higher education
  • Lower interest rates than personal loans
  • Tenures up to 15-20 years
  • Substantial loan amount eligibility
Category 03· 5 options

Business Finance

Specialized funding for MSMEs, enterprises, machinery, and working capital.

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Business Loan

Unsecured business growth capital for working capital & scaling

Working capital and expansion loans to manage cash flows, inventory, seasonal spikes, and business operations.

Ideal for

ProprietorshipsPartnership FirmsPrivate Limited Companies
  • No collateral required for eligible profiles
  • Customized business lender matching
  • Fast assessment

MSME / Business Finance

Tailored lending schemes for micro, small, and medium enterprises

Access structured financing options matched to government-supported schemes and NBFC/Bank MSME programs.

Ideal for

Registered MSME EntitiesSmall Scale ManufacturersService Providers
  • Evaluation based on turnover and business health
  • Structured repayment options
  • End-to-end documentation support

Property-Backed Business Finance

High-value business capital backed by commercial or industrial property

Unlock substantial capital for major business expansion, plant modernization, or long-term investments using real estate.

Ideal for

Established BusinessesIndustrialistsCommercial Property Owners
  • Highest loan quantum possibilities
  • Competitive business rates
  • Flexible drawdown structures

Equipment / Asset Finance

Funding for plant machinery, medical equipment, and business assets

Finance the purchase of revenue-generating equipment and commercial assets without straining operational cash flow.

Ideal for

Manufacturing UnitsHospitals & Diagnostic CentersConstruction Contractors
  • Asset hypothecation based structure
  • Tax depreciation benefits
  • Customized repayment cycles

Construction-Related Business Finance

Project & working capital finance for builders and contractors

Capital support for property developers and civil contractors executing residential and commercial projects.

Ideal for

Real Estate DevelopersCivil & EPC ContractorsBuilders
  • Project cash-flow based evaluation
  • Milestone-driven support
  • Direct lender liaison
Category 04· 2 options

Debt Refinance

Streamline multiple high-interest loans into one facility to reduce monthly EMIs.

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Debt Consolidation

Combine multiple debts into one lower-interest structured loan

Consolidate multiple personal loans, credit card balances, and high-interest obligations into a single organized loan.

Ideal for

Borrowers managing multiple EMIsIndividuals looking to reduce financial stress
  • One single monthly EMI
  • Potential reduction in monthly cash outflow
  • CIBIL score improvement pathway

Refinance / Loan Takeover

Strategic loan takeover to benefit from lower rates and revised terms

Transfer high-interest loans to competitive institutions with transparent coordination and seamless file handover.

Ideal for

Borrowers with seasoned loansEntities seeking better covenants and terms
  • Comprehensive interest rate comparison
  • LOD and closure coordination
  • Top-up capital options
* All loan products, sanctions, interest rates, and loan tenures are subject to lender underwriting criteria and verified customer eligibility.