With the opening up of the Indian economy, more and more people have shifted base to the cities in the hope of earning a few thousand more. 350 million people in India live in urban centers today and this figure is slated to double by 2030. This has led to a crisis-like situation in major urban centers, especially in the housing segment with almost 50% of the urban population living in low-quality houses As the urban cup fills up, real estate rates go up and affordability declines. Access to Credit is a key enabler towards increasing affordability. Therefore, in an honest effort to reach out to more people and provide them with facilities, we bring you Shubham Housing Development Finance Company. Our Vision is ‘To be the mortgage lender of choice for individuals with informal incomes’ - the intention being to ensure that irrespective of the source of income, we should be able to provide loans to individuals towards making a better home for themselves. As of 2022, the Company has a 100 branch network spread across 73 cities in 9 states across the Northern, Western and Central parts of India.