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IndiaShelter lends to urban household based on their repayment capacity and stability of occupation of the applicants. These are usually based on the following factors but additional parameters may be considered during the consideration process for credit applications.


  • Liabilities
  • Vocational/Educational qualifications
  • Income and continuity of income
  • Dependents
  • Assets
  • Saving habits
  • Spending patterns

Verifications with Credit Bureaus and occupational verifications are carried out as required to assess loan applications.

Loans are disbursed in stages after verification of usage. India Shelter does not lend for illegal construction.


  • Our loans are also available to households that do not have any income proof
  • We provide direct-to-home service in local language
  • Easy 20-years repayment option available
  • Fixed interest rate loans available to ensure that market volatility does not effect your EMIs
  • Assistance on phone available at local call rates in Hindi and English

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