15 years of
South Indian ground roots.
Codified into a lender.
Capitabel Solutions was founded in 2023 by Chidambaram and Harish - two operators with deeply complementary expertise: 15+ years in South India real estate development, and 18+ years in banking technology built across Europe.
The founding insight: millions of creditworthy borrowers in peri-urban and Tier 2 South India are underserved - not because lenders won’t lend to them, but because the matching infrastructure between borrower and lender does not exist at the ground level. Built on Manor Group’s 25+ years of South India real estate operations, we’re now codifying that ground-level knowledge into technology.
Two years in.
Measured honestly.
A team you
actually talk to.
Real estate operations, European banking technology, and India’s leading MSME NBFC — three career paths that met in a Besantnagar office and stayed.
Chidambaram Kattuputur
Operator-investor at the intersection of real estate and fintech. 15+ years building affordable, luxury, and impact housing across South India. CEO of Sanctuary Spaces. Masters in International Business, Grenoble Business School.
Harish Bode
18+ years across ING Netherlands, Capgemini, and Cognizant. At ING: Head of IT Custodian for a €60 Bn loan portfolio. Led Strategic Roadmap for Digital Business Lending. MBA, University of Amsterdam.
Devesh Narang
Strategy and partnerships generalist with Capitabel since founding. Closed 15+ bank and NBFC partnerships, cut loan processing TAT by 54%. Won SDG 10 at ESG World Summit & GRIT Awards 2022. Bachelor of Commerce, Loyola College.
Thiru.R
25 years of experience building and scaling financial services institutions. Expertise in business strategy, credit, operations and digital transformation, with a focus on developing scalable models for MSMEs. Experience spans India, Indonesia and Kenya across fintechs and allied industries. Graduated from Harvard Business School and Santa Clara University.
On the ground, in seven roles.
Four ideas we refuse to bend on.
One advisor, start to finish.
No routing menus, no handoffs, no repeating your story. The specialist you meet on your first call is the one who negotiates your sanction and picks up the phone six months later.
Match by borrower fit, not commission.
Our matching engine ranks lenders by approval probability, indicative rate, and KFS terms — never by what pays us best. Direct relationships preferred over channel partners at equal payout.
Say no when it isn’t the right loan.
Every year we walk clients away from loans they came in wanting. We’d rather earn a referral in five years than close a bad file this month.
Explain everything, hide nothing.
Every fee, every clause, every rate-reset trigger. You’ll leave every meeting with fewer questions than you brought in.
Fifty-two files.
Fifty-two conversations that started with trust.
Sanction in nine days on an MSME file two banks had already turned down. Harish’s team knew exactly which lender would say yes.
Draw-schedule financing that actually matched our site milestones. First team that got it.
Refinanced our home loan and dropped the rate by 1.4%. Honest advice, no fuss.
Talk to a founder,
not a form.
Every consultation call in Q1 goes to Harish, Chidu, or Devesh directly. No routing menus.