Fintech Approach

Agrim's roadmap to housing finance revolution

B2C Find my Home

Market Place Aggregator

B2B Agrim as Lending Aggregator

Digitally enabling priority sector lending

Digital access to LIG & EWS Segment

Making low risk investment options digitally available for EWS & LIG segment

Current State

Future State

B2C Finance & Protect My Home

First HFC to give instant pre-approval for housing loans through digital access

Market Place for Builders

AGRIM HFC’s digital market place for afordable builders for sourcing sustainable building materials and access to state-of-the-art technology

Agrim powered Marketplace

India’s first search portal dedicated to affordable housing showcasing properties of 5-50 lakhs with a choice of environmentally friendly homes.

Apna Ghar Khoj

USP's

First affordable property portal with properties between 5-50 lakhs

Self-upload of property and go live in 10 min

First portal to give Green Rating to affordable properties

Opportunities for affordable housing builders to market properties to EWS and LIG customers

B2C Finance & Protect my Home

Agrim Housing Finance

  • Low default rate by 70%
  • Use of our innovative proprietory scorecards
    powered by Artificial Intelligence & Machine
    Learning to accurately minimise risk
  • Helping Government of India to accelerate
    disbursement under Pradhan Mantri Awas
    Yojana (PMAY)
  • Digitally reaching millions of affordable housing customers and enabling financial inclusion
  • lncrease access to credit:
    5 x Banks + 2 x NBFCs
  • ln sync with Government of India: ‘Housing for All by 2022’ vision
  • Digitally enabling priority sector lending

ATOM

Proprietary Tech Platform

APIs at Source

Agrim LOS

Agrim LMS

Agrim as Lending Aggregator

Our B2B partnership approach allows traditional lenders to access the quality lead generation capability of Agrim. Qualified customer leads are used to build our own books and distributed to traditional banks, non-banking finance companies and other housing finance companies. We feel privileged on two counts: Firstly, Agrim HFC is trusted by its partners to act as an aggregator and secondly we are gaining trust to facilitate an increased quantum of loan to allow many more members of our community to buy their first home.

Under Process

Under Process

Credit Approval & Dissbursment

Own Book

Private Sector Banks

NBFC's

HFC's

Digitally reaching millions of affordable housing customers and enabling financial inclusion

Increase access to credit: 5 x Banks + 2 x NBFCs

ln sync with Government of India: ‘Housing for All by 2022’ vision​

Digitally enabling priority sector lending

Future State

Market Place for Builders

Future State

Digital access to LIG & EWS segment

Digital wealth creation for EWS and LIG

Extending existing digital housing loan model for other loans

Overall Outcome

Current & Future State

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