Universe Banking & Financial Services A home loan is probably the biggest financial commitment most people make. We are a Banking DSA (Direct Selling Agents) - we also do LOW INCOME CUSTOMERS & NO INCOME PROOF CUSTOMERS ...!! We do all types of property loans for any type of khata like A,B,E,9&11,1&12,11a,11b, Hakku patra ... ಎಲ್ಲಾ ವಿಧವಾದ ಗೃಹ ಸಾಲಗಳು ....