Empowering Dreams Through Accessible Home Financing -Shubham Housing Finance Reinforces Commitment t

GURGAON, India - April 23, 2025 - PRLog -- Operating in 144 cities across 12 states, Shubham is one of India's leading housing finance companies focused exclusively on serving customers with limited or no formal income documentation. Its innovative lending model allows it to assess creditworthiness through personalized field assessments and community-level evaluations, enabling it to reach customers beyond the scope of traditional financial institutions.

Product Portfolio Designed Around Real-Life Needs

1. Home Loans for Informal Income Earners
Shubham's flagship product is its Home Loan, designed for customers who may not have income tax returns, salary slips, or bank statements-yet have strong, consistent earning potential. These loans are offered for:

Purchase of a ready home

Construction on owned land

Home improvement and extension

Key Features:

Loan amounts up to ₹50 lakhs

Tenures of up to 20 years

Flexible EMI options based on cash flow cycles

Doorstep document collection and personalized service

Competitive interest rates, with transparent fee structures

2. Loan Against Property (LAP)
This product allows customers to unlock the value of their existing property and utilize the funds for business expansion, education, medical emergencies, or personal needs.

Key Features:

Higher loan eligibility even without formal income proof

Loans ranging from ₹1 lakh to ₹50 lakhs

Long repayment periods up to 15 years

Option to repay in structured EMIs based on seasonal or variable income

3. Shubh Shakti & Shubh Udyogini Loans – Empowering Women Entrepreneurs
Recognizing the critical role women play in financial decision-making, Shubham has introduced targeted loans for women-owned small businesses and entrepreneurs. These products offer:

Special interest rates for female borrowers

Flexible repayment schedules

Credit education and financial literacy support

Shubham's Distinctive Approach to Lending

Alternative Credit Assessment
Shubham's unique strength lies in its custom-built credit programs that evaluate the true earning capacity of customers using business observations, household income estimates, and behavioral indicators. Field staff are trained to engage with applicants at a household level, enabling holistic understanding and decision-making.

Technology-Enabled Process
While maintaining a strong field presence, Shubham uses technology to streamline applications, track disbursements, and provide after-sales service. Customers can check loan details, EMI schedules, and make payments online through the official website www.shubham.co .

Financial Literacy and Guidance
Shubham provides financial counseling to first-time borrowers, helping them understand budgeting, loan repayment, and credit management-an essential step for many families entering the formal finance ecosystem.

Customer-Centric Philosophy
"We go where traditional lenders don't, at Shubham Housing Finance. "By understanding our customers' life stories instead of just their paperwork, we offer not just loans, but life-changing opportunities. Every home financed by Shubham is a story of trust, dignity, and progress."

Contact and Application
Website: www.shubham.co
Email : customercare@shubham.co