What We Offer
Tailored Home Loans for Self-Built Homes
- ₹3 to ₹25 lakh loans for home construction, purchase, or completion.
- Support for local property verification and documentation
- Digital + physical support in every district
- Tranche-based disbursal aligned to construction progress
- Focused on borrower success, not just disbursement
Why Micro Housing?
- “Every house is a dream in brick and mortar. For Bharat, it’s also a journey of resilience, savings, and community.”
- Over 2 million homes are built annually by families with incomes between ₹3–8 lakhs
- Yet, less than 30% of these are financed through formal housing loans
- Customers delay home completion by 7–8 years due to lack of reliable finance
- Most borrowers begin construction first and then look for loans — requiring speed, clarity, and trust
We are here to fill this gap with a dependable, customized housing loan experience.
Our Approach
- Technology-Led: AI in underwriting, property checks, legal diligence, recovery
- District-Level Support: Operational presence for local execution
- Lender Partnerships: Collaborating with multiple HFCs to provide wider choice
- Borrower First: Centralised customer journey management — from lead to final disbursal
- Construction-Aligned Disbursal: Structured to match real cash flow of home builders