In India, owning a home is not just a milestone—it’s a lifelong dream for millions. But for many hardworking people, this dream often feels out of reach. Not because they can’t afford it, but because they are invisible to traditional financial systems. Self-employed individuals, daily wage earners, and those without formal income documentation are frequently denied housing loans by conventional banks. At Shubham Housing Finance, we believe it’s time that changed. Our mission is simple but powerful: to bring housing finance to the unserved and underserved segments of society.
Who Are the Unserved?
The “unserved” are individuals who have the ability and intent to repay a home loan but are excluded from formal banking channels due to lack of documentation. This includes street vendors, small shop owners, plumbers, electricians, auto drivers, and home-based workers like tailors and tiffin service providers. Most of them do not have income tax returns, salary slips, or high credit scores. Traditional banks may see this as a risk—but at Shubham, we see it as an opportunity to empower.
An Inclusive, Human-Centered Approach
At Shubham, we’ve built a process that looks beyond paperwork. We assess income through a cash-flow based model, which involves personally visiting the customer’s home or place of work to understand their earnings, household expenses, and income stability. Instead of checking boxes, we try to understand their real financial behavior and repayment ability.
Our field officers are trained to engage with customers in a friendly, respectful manner—often in their local language—and guide them through the process. This personalized approach helps us make fair, informed lending decisions and builds strong, trust-based relationships with our customers.
Simplifying the Loan Process
Unlike traditional banks that require extensive documentation, Shubham makes the process simple and accessible. We ask for only basic KYC documents such as Aadhaar, PAN card, and proof of residence. If the customer runs a small business, even basic proof like shop rent receipts or inventory records help. We believe that income isn’t always on paper—it’s found in daily life, in the way people earn, save, and manage their money.
More Than Loans: A Lasting Impact
For many of our customers, buying a home is more than a transaction—it’s the beginning of stability, dignity, and security. Homeownership provides a safe space for families, improves children’s education opportunities, and even enables access to better healthcare and credit. We’ve had the honor of helping thousands of first-generation homeowners across India—people who once believed that a home was out of reach.
This is the kind of change we aim to create. Empowering people not just financially, but emotionally—by recognizing their dreams and helping them come true.
Join the Movement for Financial Inclusion
Inclusive lending is more than a business model for us—it’s a responsibility. At Shubham Housing Finance, we are committed to serving the unserved with dignity, transparency, and empathy. We’re proud to be creating a new way of lending—one where people are seen, heard, and supported.
If you’ve been turned away by traditional banks, or if you know someone who has, reach out to us. Because everyone deserves a home—and every dream deserves a chance.