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Shubham Housing Development Finance Company was incorporated with a mission to provide Home loans and Home Improvement loans to customers who would normally fall outside the ambit of traditional lending institutions. Shubham is amongst the first organisations in the country focused on helping urban low-income and informal income families own a home by providing formal credit. Shubham’s operating model seeks to transcend document based underwriting and follow an interview based approach to understand the customer's income and expense flows.

The primary products are Home Loans and Home Improvement Loans. Customers can take a Home Loan up to a maximum of Rs. 12 lakhs and repay in EMIs over 15 years. The maximum amount lent for Home Improvement loans is Rs.5 lakhs and can be repaid in EMIs over 7 years.