India Shelter Fin.

Established in 2010, India Shelter Finance is a technology-driven, retail-focused provider of affordable housing finance solutions, mainly for low and middle-income individuals in Tier II and III cities. The company is committed to making homeownership accessible for underserved communities, guided by principles of fostering trust, driving efficiency, and creating meaningful impact. Its core operations include offering flexible home loans for construction or purchase and loans against property, using technology to simplify and speed up the entire process. The company's expertise lies in its innovative underwriting and deep customer insight, which helps in evaluating self-employed borrowers who are often overlooked by traditional lenders. This customer-first approach is supported by a robust technology framework that features end-to-end process digitisation, ensuring faster turnaround times and strong risk controls. This strategy has fueled its expansion from operating in just one state in 2011 to establishing a significant presence across 15 states by 2024-25.;