Adapting CLIP for zero-shot sketch-based image retrieval (ZS-SBIR) via prompt learning faces a fundamental tension: the model must bridge the sketch-photo domain gap through task-specific adaptation, yet the added flexibility risks overfitting to seen training categories and eroding CLIP's zero-shot generalization. We present SeCo-SBIR, a semantically consistent prompt learning framework that resolves this tension from both sides. First, a text-guided multi-modal prompting strategy routes learnable prompt vectors through CLIP's text encoder and projects the resulting intermediate representations into the visual encoder at every layer via learnable coupling functions. Because the text encoder has already learned robust, abstract category-level semantics from large-scale language supervision, this mechanism injects transferable semantic knowledge directly into the visual pathway - adapting the model to the sketch-photo domain while inherently favoring generalization to unseen classes. Second, a perturbation-based consistency constraint addresses the residual overfitting risk from the learnable coupling functions by aligning the adapted model with a frozen CLIP reference branch using an asymmetric InfoNCE objective - augmented inputs feed the frozen branch while clean inputs feed the trainable branch - anchoring the learned representations to CLIP's generalizable feature space. Together with lightweight adapters and a multi-objective loss combining triplet, NT-Xent, and classification terms, SeCo-SBIR achieves state-of-the-art results on all three standard ZS-SBIR benchmarks across categorical, generalized, and across-dataset settings.

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