Disha Direct Marketing Services, a leading player in the area of marketing real estate in the second home, week end home sector, has tied up with all the leading private and public sector banks and FIs for the retail loans to their customers. It has tie-ups with SBI, HDFC, ICICI Bank, Bank of Maharashtra, Corporation Bank, Bank of India, Allahabad Bank, Dena Bank, DHFL and a number of cooperative banks. Santosh Naik, MD & CEO of the company, said banks’ funding is to the tune of 15 to 20% of the company’s total investments. It has also outside unsecured loans from investors and the total internal accruals amount to Rs50 crore. He said the company is facing one problem because its projects in the outskirts of the cities and not many private banks are coming forward for retail home loans for such projects.However, SBI is very aggressive in retail loan segment.