About KSV

Independent advice.
Grounded in banking experience.

KSV provides independent banking, funding and corporate finance advisory to businesses across India when financial decisions carry long-term consequences.

Why KSV exists

Businesses should not have to make critical financial decisions alone.

Financial decisions are rarely isolated. A new facility can alter cash flow. A working-capital structure can affect growth. A lender discussion can influence the terms on which a business operates for years.

KSV was built to provide an independent perspective at such moments—combining experienced banking judgement with a practical appreciation of how businesses actually function.

Our role is not to promote a predetermined product. It is to understand the requirement, examine the financial position, prepare the case properly and help the client make a considered decision.

Our point of view

Good advisory does not replace the promoter’s judgement. It strengthens it with clearer information, disciplined preparation and an independent view.

What we bring

Experience applied to the decision in front of you.

Our value lies not merely in knowing how financial institutions assess a proposal, but in translating that knowledge into practical preparation and execution.

01

A banker’s perspective

We assess how lenders are likely to view the business, the requirement, the risks and the proposed repayment structure.

02

Structured financial analysis

We connect financial statements, operating data and the business narrative so that the case is coherent and supportable.

03

Practical execution support

We help organise information, prepare documentation, engage with lenders and address questions as the proposal progresses.

04

Long-term involvement

Our relationship need not end with a sanction or transaction. We remain available as the business and its financial needs evolve.

The KSV method

Understand first. Advise second.

Each engagement follows a disciplined sequence, while remaining proportionate to the client’s requirement.

  1. 01

    Understand

    Clarify the business context, objective, timing and constraints.

  2. 02

    Analyse

    Review the financial position, operating cycle, debt structure and available alternatives.

  3. 03

    Prepare

    Build a coherent case with reconciled information and decision-ready documentation.

  4. 04

    Engage

    Support discussions with banks, financial institutions and other stakeholders.

  5. 05

    Stay involved

    Help resolve queries, evaluate terms and support implementation where required.

Corporate profile

A compact advisory firm with institutional discipline.

KSV combines experienced core team involvement with a focused operating model. Clients work directly with the people responsible for understanding the assignment and carrying it forward.

Explore how we help

Independent

Advice is shaped by the client’s needs and circumstances—not by a product target.

Directly involved

Core team members remain engaged in analysis, preparation and important discussions.

Commercially grounded

Recommendations consider execution, cash flow, lender expectations and long-term business value.

Confidential

Financial and strategic information is handled with the discretion expected of a trusted advisor.

Leadership & Team

KSV Core Team

KSV's core team brings together partner involvement, senior banking relationships, regional outreach and client coordination for loan, funding and advisory assignments.

Partner

Ketul Patel

Focuses on Retail Loans, Home Loans, Business Loans, Loan Against Property, mortgage-backed borrowing, balance transfer, top-up loans and all types of unsecured loan requirements.

+91 98796 12204

Partner

Sebastian Polackal

Supports business owners and management teams on banking, credit and corporate finance decisions requiring independent advice.

+91 98251 25997

Partner

Vatsal Pastagia

Works with clients on banking, funding and advisory requirements, with a focus on structured preparation and lender engagement.

+91 98982 72409

Senior Advisor - Banking & Client Relationships

Hanif Sindha

Supports client relationships, lender engagement and banking-led advisory discussions, drawing on senior banking experience.

+91 79998 03023

Regional Sales Manager

Chandresh Patel

Supports regional client outreach, sales coordination and execution for KSV’s loan, funding and financial solutions.

+91 81417 89888

Client Support & Mortgage Coordination

Dhruv Jariwala

Supports documentation, coordination and office-level assistance for mortgage, property-backed loan and related client requirements.

+91 81404 61641