Shubham Housing Development Finance Company provides formal housing credit to those with informal incomes and was amongst the first organisations in the country that transcended document-based underwriting and replaced it with a customised credit program for each of our customers.

We do this by extensively engaging the customers in a discussion about their life story - where they come from, what they do, how they earn, spend and save.  Taking a holistic view of the customers and their nod on what they can pay every month as an EMI, we introduce them to the world of formal housing finance - solutions that best fit what they need to live in better and safer homes.