At OCHFL, we don’t just provide loans, we empower dreams of home ownership for India’s underserved communities. Unlike traditional banks that demand salary slips, we accept alternate income proofs like bank statements, GST returns, and field verification making loans accessible to those outside the formal economy.
We understand the financial realities of:
Unlike traditional banks that demand salary slips, we accept alternate income proofs, bank statements, GST returns, and field verification making loans accessible to those outside the formal economy.
Our custom underwriting models evaluate:
This ensures fair approval for deserving borrowers who lack conventional documentation.
We follow a "Low Docs, High Touch" approach:
Digital tracking via customer portal
With a strong presence in Tier 2, Tier 3 cities, and rural India, our teams understand:
This helps us offer contextual solutions, not one-size-fits-all loans.
As a Primary Lending Institution (PLI) under PMAY, we help beneficiaries:
We go beyond lending by educating borrowers on:
Our financial awareness camps in rural/semi-urban areas have helped countless families make informed decisions.
We combine human judgment with tech-driven compliance for responsible lending.
Our digital first approach includes:
Yet, we retain a personal touch. Every customer gets a dedicated relationship manager.
| Feature | OCHFL | Traditional Lenders |
|---|---|---|
| Informal Income Acceptance | Yes | No |
| PMAY Subsidy Assistance | End-to-end support | Limited |
| Doorstep Service | Available | Branch-only |
| Local Language Support | Multi-lingual | Mostly English/Hindi |
| Loan Approval Time | 10-15 days | 25-30 days |
Find your Dream Home with OCHFL!
