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Financial technology and infrastructure company for housing finance ecosystem

Credit networks, platforms and infrastructure for housing finance

Bharat Housing Network

India’s largest affordable mortgage co-lending network

Bharat Housing Network is India’s largest affordable mortgage co-lending network. It provides capital, technology and infrastructure to housing finance conpanies and non-banking finanial company for last mile credit delivery. The platform has adopted an infrastructure sharing approach to deepen financial products offering across semi-urban and rural areas.

Customer segment: Middle & lower income group

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Bharat Housing Network
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HomeNxt

Digital mortgage platform embedding mortgages in digital ecosystems.

HomeNxt is a digital mortgage platform embedding mortgages in digital ecosystems. HomeNxt provides a comprehensive mortgage stack to financial institutions that seamlessly integrates with their existing systems and enable them grow their mortgage asset book without incurring significant distribution and infrastructure expenditure.

Customer segment: Middle income group

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HomeNxt
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Housing Credit Enablement Infrastructure

Network

Homeville is capitalizing on existing housing finance ecosystem to accelerate home ownership in India. We have embedded mortgages in digital ecosystems and adopted an infrastructure sharing approach to offer superior home loan experience to our customers

Capital

We have adopted an asset light, capital efficient model. Capital is deployed on the platform through own & partner balance sheet. We have an asset light, capital efficient model. We are enabling financial institutions grow secured mortgages portfolio and plan to build RMBS for institutional investors

Technology

In-house integrated technology stack & products for enabling aggregation & facilitation of mortgages across the entire housing finance customer spectrum. In-house integrated technology stack & products for enabling aggregation & facilitation of mortgages across the entire housing credit spectrum

Capital

We have adopted an asset light, capital efficient model. Capital is deployed on the platform through own & partner balance sheet. We have an asset light, capital efficient model. We are enabling financial institutions grow secured mortgages portfolio and plan to build RMBS for institutional investors

Technology

In-house integrated technology stack & products for enabling aggregation & facilitation of mortgages across the entire housing finance customer spectrum. In-house integrated technology stack & products for enabling aggregation & facilitation of mortgages across the entire housing credit spectrum

Network

Homeville is capitalizing on existing housing finance ecosystem to accelerate home ownership in India. We have embedded mortgages in digital ecosystems and adopted an infrastructure sharing approach to offer superior home loan experience to our customers

Capital

We have adopted an asset light, capital efficient model. Capital is deployed on the platform through own & partner balance sheet. We have an asset light, capital efficient model. We are enabling financial institutions grow secured mortgages portfolio and plan to build RMBS for institutional investors

Technology

In-house integrated technology stack & products for enabling aggregation & facilitation of mortgages across the entire housing finance customer spectrum. In-house integrated technology stack & products for enabling aggregation & facilitation of mortgages across the entire housing credit spectrum

Network

Homeville is capitalizing on existing housing finance ecosystem to accelerate home ownership in India. We have embedded mortgages in digital ecosystems and adopted an infrastructure sharing approach to offer superior home loan experience to our customers

Capital

We have adopted an asset light, capital efficient model. Capital is deployed on the platform through own & partner balance sheet. We have an asset light, capital efficient model. We are enabling financial institutions grow secured mortgages portfolio and plan to build RMBS for institutional investors

Technology designed for housing finance

Our platforms facilitate capital flow from large financial institutions to retail housing credit market. Our technology & infrastructure is becoming the backbone for affordable mortgage credit delivery to semi-urban and rural India.

Digital mortgage stack for housing

Digital mortgage stack enables mortgage journeys to be embedded in digital ecosystems, and facilitates co-lending for housing finance companies.

Unified API architecture across housing segments

Homeville platform APIs aggregate housing finance demand from multiple ecosystems across digital and physical networks.

Banking & Trustee management

Payments and transaction infrastructure allows for real-time account balance, reconciliation & reporting. Charge & collateral management for the trustee is enabled by the platforms.

Lending Middleware

Platform middleware enables streamlined processing of multiple lending product flows in perfect coordination with multiple third party services such as de-dupe, verification and sms/email.

Business Rule Engine

The BRE is designed to offer flexibility and adaptability, enabling the design of business-oriented rules that are built to fit specific needs instead of relying on a one-size-fits-all solution.

Services Platform

Homeville platforms leverage micro-services which are designed to be secure, and operate at scale.

Impact

Homeville is making housing finance more accessible and affordable across customer segments through technology and network approach. We are empowering regional HFCs and NBFCs to enable housing credit delivery across semi-urban and rural areas.
Improving access to underserved areas Focusing on distributing loans in the rural areas of the country
50% Tier IV & others
37% Tier II & III cities
12% Tier I cities
Enabling financial inclusion Making housing finance more accessible and affordable
95%+ Women borrowers or co-borrowers
16 States/Union
250+ Towns and cities covered
Empowering regional players Providing capital, technology & infrastructure to HFCs and NBFCs
22+ Partners’ operations strengthened
800+ Employees benefited
Improving access to underserved areas Focusing on distributing loans in the rural areas of the country
50% Tier IV & others
37% Tier II & III cities
12% Tier I cities
Enabling financial inclusion Making housing finance more accessible and affordable
95%+ Women borrowers or co-borrowers
16 States/Union
250+ Towns and cities covered
Empowering regional players Providing capital, technology & infrastructure to HFCs and NBFCs
22+ Partners’ operations strengthened
800+ Employees benefited

Amplifying impact creation in alignment with UN SDG’s

Goal 1

No Poverty

Goal 5

Gender Equality

Goal 7

Affordable and Clean Energy

Goal 8

Decent Work and Econimic Growth

Goal 9

Industry, Innovation and Infrastructure

Goal 10

Reduced Inequality

Goal 11

Sustainable cities and communities

Goal 12

Resposible Consumption and Production

Goal 17

Partnerships for the Goal

Notes from Homeville Tech

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Careers
At Homeville we are always on the look for fresh talent. We’d love for you to join us in our goal to accelerate home ownership. View open positions