Shubham Finance is a pioneering financial institution in India, specializing in providing formal housing credit to individuals with informal income sources. The company has revolutionized the traditional document-based underwriting process by introducing customized credit programs tailored to each customer's unique financial situation. This innovative approach has positioned Shubham as a leading home loan provider in the Indian market.

The company primarily serves individuals who earn income through non-traditional or informal means. These include small business owners, self-employed professionals, and individuals engaged in various trades and occupations such as music counselling, hardware store ownership, vegetable vending, and more. By offering flexible and customizable EMI options, Shubham Finance makes home ownership accessible to this underserved segment of the population.

Shubham's business model is built on understanding the unique needs of each customer and providing them with tailored financial solutions. This customer-centric approach has not only allowed the company to carve out a niche in the Indian mortgage market but also to build a strong and loyal customer base.

The company generates revenue through the interest paid on the home loans it provides. Additionally, Shubham also offers Loans Against Property products, providing customers with a way to leverage their property to secure additional financing.

In summary, Shubham Finance is a customer-focused financial institution that has successfully disrupted the Indian mortgage market by providing innovative and accessible home loan solutions to individuals with informal income sources.

Keywords: Shubham Finance, Home Loans, Informal Income, Customized Credit Programs, Indian Mortgage Market, Customer-Centric, Loans Against Property, Financial Solutions, Market Disruption, Accessible Financing.