Financial Guidance for Every Indian Family

Your Money.
Your Goals.
Our Guidance.

Home loans, personal loans, business loans, education loans, and complete insurance coverage — made simple and accessible for every common man, every family, everywhere in India.

"Financial security is not a privilege of the wealthy. It is a right of every working Indian — and we make that right accessible."

— Akula Naveenkumar, Founder
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6+
Loan Products
3
Insurance Types
0%
Upfront Fee
NRI
Specialist Services
2h
Response Time
Our Purpose

"Every common man and every family deserves simple, honest access to financial services — without jargon, without confusion, without exploitation."

We exist to be the financial guide every Indian family always needed but never had. Whether you earn ₹20,000 a month or ₹2 Lakh — your needs matter here equally.

Loan Solutions

All Loan Products
Under One Roof

From your first home to your child's education — we help you access the right loan at the best available rate. Click any product to explore.

🏠
Home Loan
New purchase · Resale · Construction
+
8.40% p.a. onwards
Floating · Best rate subject to profile
Key Details
  • Up to ₹10 Cr+
  • Tenure up to 30 years
  • 90% LTV available
  • Balance transfer facility
  • NRI home loans available
Tax Benefits
  • ₹2L deduction u/s 24(b)
  • ₹1.5L deduction u/s 80C
  • ₹1.5L extra u/s 80EEA
  • PMAY subsidy up to ₹2.67L
  • Joint loan doubles benefit
Full Details →
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Personal Loan
Medical · Travel · Wedding · Any need
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10.50% p.a. onwards
Unsecured · No collateral needed
Key Details
  • ₹50K to ₹50 Lakhs
  • Tenure 1–7 years
  • Approval in 24–48 hours
  • Minimal documentation
  • Salaried & self-employed
Eligibility
  • Income ₹20K+/month
  • Credit score 700+ preferred
  • 1+ year employment
  • Age 21–60 years
  • FOIR below 50%
Full Details →
🏭
Business Loan
Working capital · MSME · Expansion
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11.00% p.a. onwards
Secured & unsecured options
Key Details
  • Up to ₹5 Cr unsecured
  • Term loan, OD, CC
  • Govt-backed schemes
  • Invoice discounting
  • Equipment finance
Who Qualifies
  • Business 2+ years old
  • Positive ITR preferred
  • Sole proprietor to Pvt Ltd
  • Traders, manufacturers
  • Service businesses
Full Details →
🏦
Mortgage / LAP
Loan Against Property · Any purpose
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9.50% p.a. onwards
Secured · Up to 70% of property value
Key Details
  • Residential & commercial
  • Tenure up to 15 years
  • OD facility available
  • Any end-use purpose
  • Rental income considered
Property Types
  • Residential flat/house
  • Commercial office/shop
  • Industrial warehouse
  • Legally clear title only
  • Joint ownership OK
Full Details →
🎓
Education Loan
India & Abroad · UG · PG · Professional
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8.85% p.a. onwards
Moratorium during course period
Key Details
  • Up to ₹1.5 Cr abroad
  • Up to ₹75 L India
  • Moratorium = course + 1yr
  • Tuition, living, travel
  • No collateral to ₹7.5L
Tax Benefits
  • Section 80E deduction
  • No upper limit on 80E
  • Interest deduction only
  • 8 years from repayment
  • NRI parents as co-applicant
Full Details →
🌿
Plot Purchase Loan
HMDA · DTCP · RERA approved layouts
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8.75% p.a. onwards
Approved residential layouts only
Key Details
  • Up to 75% of plot value
  • Tenure up to 15 years
  • Composite plot+build option
  • NRI plot loans available
  • HMDA/DTCP approved only
Conditions
  • Agricultural land excluded
  • Clear title mandatory
  • EC required
  • Build within 3 years
  • Valuation by approved valuer
Full Details →
Protection Plans

Every Family Needs
Protection First

Our motto: every person and every family must have a health and term policy. Not eligible for term? We ensure you still have coverage through a life insurance savings plan.

Life Insurance
Life Insurance
Savings Plan
Protection + savings for every age
+
Ideal when you want guaranteed family protection AND savings. Best for those with health conditions or age profiles that may not qualify for term coverage.
Death benefit + maturity payout
Coverage ₹5 Lakh to ₹10 Cr+
Tax deduction u/s 80C on premium
Maturity proceeds tax-free u/s 10(10D)
Loan against policy after 3 years
Whole life variants available
Term Insurance
Pure Term Plan
Maximum Cover
Highest protection at lowest cost
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A ₹1 Crore term plan costs under ₹800/month for a 30-year-old. If you have dependents and are in good health — this is not optional. It is essential.
Coverage ₹25 Lakh to ₹10 Cr+
Term up to age 85
Critical illness rider available
Return of Premium option
Tax deduction u/s 80C
98%+ claim settlement ratio
Health Insurance
Health & Medical
Cover
Individual · Family floater · Senior
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Medical inflation: 12% per year. A single hospitalisation can cost ₹3–5 Lakh. Health coverage is your most important financial protection after an emergency fund.
Coverage ₹3 Lakh to ₹1 Cr+
10,000+ cashless hospitals
Daycare, OPD, maternity options
Tax deduction u/s 80D up to ₹1 Lakh
No-claim bonus — cover grows yearly
Super top-up plans available
About & Philosophy
👤

Akula Naveenkumar

Founder, Srikara Financial Services

"I have spent over a decade in financial services watching ordinary people get the wrong loan at the wrong rate or go uninsured because no one explained it simply. Srikara exists to fix that — one family at a time."

— Akula Naveenkumar

With 10+ years of hands-on experience in loans, insurance, and financial planning, Naveenkumar has helped hundreds of families navigate one of the most confusing systems in India — the financial system.

His belief is simple: a teacher, an auto-driver, a small shopkeeper, a young professional — everyone deserves the same quality financial guidance as a high-net-worth client. That belief is the DNA of Srikara Financial Services.

Our Promise
Zero upfront fee. We compare all leading banks and financial institutions to find what genuinely suits you — not what is easiest for us.
Protection for Every Family
We don't just process paperwork. We ensure every family we work with has adequate health and life coverage — because one emergency should not destroy years of savings.
NRI Specialist
Whether you're in UAE, USA, UK, or Singapore — your India financial needs get the same personal attention. 100% remote processing available.
Powered By
Srikara Financial Services is powered by Aashray AI Labs — bringing technology and intelligent guidance to everyday financial decisions.
Government Benefits

Schemes That Can
Save You Lakhs

India's government offers powerful financial schemes that most people never use simply because they don't know about them. We help you access every benefit you're entitled to.

Housing
PM Awas Yojana (PMAY)
Interest subsidy up to ₹2.67 Lakh for first-time homebuyers in EWS/LIG/MIG categories. Credited directly to your loan account, reducing your EMI immediately.
Learn More →
MSME
Mudra Yojana
Collateral-free loans up to ₹10 Lakh for small businesses and entrepreneurs under Shishu, Kishor, and Tarun tiers. No processing fee charged to borrower.
Learn More →
Education
PM Vidya Lakshmi
Single-window platform for education loans. Simplified application process for students pursuing higher education at approved Indian institutions.
Learn More →
Health
Ayushman Bharat
Health coverage up to ₹5 Lakh per family per year for hospitalisation. Covers 1,929+ procedures. Eligible for economically weaker sections across India.
Learn More →
View All Government Schemes →
How It Works

5 Simple Steps to Your Goal

We handle everything — from your first message to the day your loan is sanctioned or your policy is issued.

01
Share Your Need
WhatsApp us or fill the form. Takes 2 minutes. No documents needed yet.
02
Free Assessment
We analyse your eligibility, credit profile and identify the best matching products.
03
Document Guidance
We tell you exactly which documents you need. Doorstep or WhatsApp collection.
04
Application Filed
We submit to the most suitable institution and track your application daily.
05
Approval & Beyond
Sanction, disbursal, policy issuance — and continued support for renewals and queries.
Reach Us

Get In Touch

Every enquiry reviewed personally. No bots. No automated responses. Real people, real guidance.

💬
WhatsApp
Fastest — reply in 1–2 hours
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Email
Response within 24 hours
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Also Reachable
Alternate email address
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Office
Regus, SLN Terminus, 8F
Gachibowli, Hyderabad 500032
Legal Disclaimer

Srikara Financial Services is an independent financial guidance platform. We assist individuals and families in accessing loan and insurance products from all leading banks, housing finance companies, and registered insurance providers. We do not lend money or underwrite insurance directly. All loans are sanctioned by the respective financial institutions. All insurance policies are issued by registered insurance companies. Interest rates and premiums are indicative. Tax benefits based on applicable Income Tax Act provisions.

NRI tax situations vary — consult a qualified advisor. This website provides general information only and does not constitute financial or legal advice.