Skip to content

About AapKaLoan

A funding partner, not a loan counter.

Since 2010, AapKaLoan has helped individuals, businesses and institutions raise capital the right way — by understanding the requirement first, then finding the best route to fund it.

Meet the leadership

Who we are

AapKaLoan is a financial advisory and funding partner headquartered in Bengaluru, with a regional office in Chennai. We work with 100+ banks, NBFCs and private capital providers, so we can recommend what is genuinely right for you — then structure the funding, prepare a strong application, negotiate the terms and stay with you until disbursement.

Years advising clients
16+
Bank & NBFC channels
100+
Funding facilitated
₹100 Cr+
Google rating
4.7★

Who is AapKaLoan?

Not a lender. Your side of the table.

AapKaLoan is a financial advisory and funding partner, headquartered in Bengaluru with a regional office in Chennai. Since 2010, we've helped salaried families, professionals, MSMEs, schools and growing companies raise capital on the right terms.

A bank can only offer you its own products. We start with your requirement, then find the institution — and the structure — that fits it best.

Going to a bank directlyWith AapKaLoan
Choice
One lender's products
100+ banks, NBFCs and private capital routes
Advice
Product-led — what the bank sells
Requirement-led and lender-neutral
Paperwork
You work out what's needed
We prepare and structure your file
If declined
Start over somewhere else
We route you to the next best-fit lender
Terms
Standard rate card
We negotiate rate, tenure and fees for you
After sanction
You chase disbursement
Support until funds are in your account

Leadership

The team behind your mandate.

Collective experience across Banking, NBFC, VC Funding, Private Placement and financial services.

Sita Rama Raju V, CEO & Founder at AapKaLoan

Sita Rama Raju V

CEO & Founder

15+

Years experience

Under his stewardship, AapKaLoan operates with a customer-first mandate: to empower individuals and businesses by delivering reliable, fast, and best-in-class financial solutions. For him, financial intermediation is about economic enablement, not transaction volumes — institutionalising transparency, faster turnaround and customised advisory for every client segment.

Previously:
Senior Sales Manager at HDFC Bank, Axis Bank, IndusInd Bank and Kotak Mahindra Bank for nearly 10 years. CEO of AapKaLoan since 2018.
Education:
BA, MBA (LLB)
  • ₹4,000+ CrFunding disbursed
  • ₹25 CrLandmark LAP transaction

Areas of expertise

  • Loan Against Property
  • Working Capital & Business Loans
  • Credit Structuring
  • DSA Networks
  • Lender Relationships
“My purpose is clear: bridge the gap between borrowers and smart capital, transforming access to credit into enduring success.”
View LinkedIn Profile
Suresh Shetty, Leader at AapKaLoan

Suresh Shetty

Leader

21+

Years experience

Over 21 years in private banking leadership, Suresh has seen how the right credit structure can elevate an enterprise — and how the wrong one can stall it. At AapKaLoan he bridges borrowers and institutional capital, pairing institutional-grade debt syndication with hands-on strategic advisory.

Previously:
Vice President and Cluster Head at Yes Bank, HDFC Bank and Axis Bank.
Education:
BCom
  • ₹5,000+ CrOverall funded
  • ₹1,250 CrProperty funding with insurance cover

Areas of expertise

  • Debt Syndication
  • Property Funding & LAP
  • Credit Underwriting
  • Banking Partnerships
  • Risk Advisory
“My goal is to demystify credit products for every borrower, bringing sharper financial insight to the table so debt serves its true purpose: long-term wealth mobilization.”
View LinkedIn Profile
Pradeep S R, Leader at AapKaLoan

Pradeep S R

Leader

16+

Years experience

When a loan hits a roadblock — a technical snag, title complexity or a documentation mismatch — Pradeep steps in. Across 16 years in banking and housing finance he has built his name on untangling complex files fast and turning stalled cases into approved sanctions for home buyers, real estate investors and growing businesses.

Previously:
Area Sales Manager and Business Developer at ICICI Bank, HDFC, Gruhashakthi and Vridhi Housing Finance.
Education:
BA
  • ₹2,000+ CrOverall funded
  • ₹13 CrVilla purchase loan

Areas of expertise

  • Home Loans & Villa Funding
  • Housing Finance
  • Title & Collateral Issues
  • Channel Development
“We resolve complex account issues rapidly, proving to clients through speed, clarity, and precision that they are dealing with true banking professionals.”
View LinkedIn Profile
Raghunath Y, Leader at AapKaLoan

Raghunath Y

Leader

20+

Years experience

Raghunath brings 20 years of leadership in corporate and retail banking to private credit advisory, with a record of aligning debt obligations with the cash flows behind them to protect a business's balance sheet.

Previously:
Deputy Vice President at IDBI Bank, HSBC, Axis Bank, ICICI Bank and IndusInd Bank.
Education:
MBA
  • ₹500+ CrOverall funded
  • ₹31 CrLoan against property

Areas of expertise

  • Loan Against Property
  • Working Capital
  • Structured Debt
  • Corporate Banking
  • Credit Risk Advisory
“Your goals deserve more than just a loan—they deserve the right guidance and a trusted partner. We are committed to being by your side with solutions you can rely on, through every financial milestone.”
View LinkedIn Profile
Nagarajan V, Key Advisor at AapKaLoan

Nagarajan V

Key Advisor

20+

Years experience

Nagarajan brings more than 20 years of banking experience to AapKaLoan as a Key Advisor, with deep expertise in loans, property loans and MSME lending.

Areas of expertise

  • Loans
  • Property Loans
  • MSME Loans

Why AapKaLoan?

Why clients choose us over going direct.

Approaching a lender directly gets you one answer. Approaching AapKaLoan gets you the best answer available.

  1. 01

    Expertise

    Leadership with backgrounds across banking, NBFCs, venture capital and private placement — we know how credit decisions are really made.

  2. 02

    Multiple funding channels

    Public and private banks, NBFCs, venture investors and private capital. Your options aren't limited to one institution's appetite.

  3. 03

    End-to-end support

    From the first conversation to documentation, sanction and disbursement — one team owns the process.

  4. 04

    Customised solutions

    We structure around your cash flows, assets and goals instead of forcing you into an off-the-shelf product.

  5. 05

    Faster, structured assistance

    A complete, well-presented file gets decisions faster — and avoids the rejections that hurt your credit score.

Who we serve

Customer segments we work with

Different borrowers need different lenders. Our breadth of relationships lets us serve each segment well.

Salaried individuals & families

Home loans, balance transfers and personal credit.

Self-employed professionals

Doctors, CAs, architects and consultants.

MSMEs & traders

Working capital, term loans and machinery finance.

Schools & educational trusts

Infrastructure, transport and working capital.

Startups & growth companies

Venture capital and structured growth capital.

Promoters & property owners

LAP, lease rental discounting, private placement.

Our vision

To raise the standard of how India accesses capital — through constant innovation and by responding to our clients' changing needs — so that every family and enterprise can reach reasonable, flexible financial solutions and realise its potential.

Our mission

To promote growth and prosperity in the communities we serve by providing ethical, transparent financial solutions that empower people and businesses. We keep lending clear, accessible and tailored to strengthen each client's long-term financial stability.

Our approach

How we work with every client

  1. 01

    Understand

    We start with your goal, cash flows and assets — not a product list.

  2. 02

    Structure

    We design the right mix of product, tenure and security, and prepare your file.

  3. 03

    Match

    We approach the lenders or investors most likely to say yes on good terms.

  4. 04

    Negotiate

    We compare offers side by side and negotiate on your behalf.

  5. 05

    Disburse & beyond

    We see it through to disbursement — and stay available for what's next.

Loan products

Loans, clearly organised.

Every loan is either secured against an asset or unsecured. Start with what you can offer — we'll take it from there.

Backed by an asset

Secured Loans

Borrow against property or other assets you own. Security lowers the lender's risk, so you typically get larger amounts, longer tenures and sharper rates.

Explore secured loans

No collateral needed

Unsecured Loans

Borrow on the strength of your income, business performance and credit history — no asset pledged. Faster to process, ideal for working capital and shorter-term needs.

Explore unsecured loans

Interactive tools

Get answers now — then talk to us.

Check your CIBIL, work out your EMI or tell us what you need. Every tool leads straight to an advisor — no digging through pages.

Step 1 of 3

What kind of funding are you looking for?

Loan options from 145+ Banks & NBFCs

  • State Bank of India
  • HDFC Bank
  • ICICI Bank
  • Axis Bank
  • Kotak Mahindra Bank
  • Bank of Baroda
  • Yes Bank

Branches

Meet us in Bengaluru or Chennai.

Walk in for a face-to-face consultation, or tap a branch to see it on the map.

Schedule a consultation

Tell us what you need. We'll find the way.

Leave your details and an advisor will call you — or reach us directly, whichever is easier.

Request a consultation

Pick a time that suits you. It takes under a minute.

+91

Your details are confidential and never shared without consent.

Call Chat

Schedule a consultation

Share a few details and an advisor will call you at your preferred time.

+91

Your details are confidential and never shared without consent.