Bharat Housing Network

Name

Bharat Housing Network

Legal name

Homeville Consulting Private Limited

Website

https://bharathousingnetwork.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Affordable Housing Co-Lending Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industries

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM), Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

Keywords

• Affordable housing finance
• Co-lending platform
• Mortgage technology
• Housing credit infrastructure
• Lender network services

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Co-lending Platform Services: Bharat Housing Network operates as a technology platform facilitating co-lending between affordable housing finance companies and financial institutions. The platform generates revenue by enabling capital flow and sharing network benefits with partner institutions.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Bharat Housing Network operates a B2B co-lending platform for affordable housing in India. It connects affordable housing finance companies with large financial institutions to facilitate capital flow, provide technology infrastructure, and enable co-lending workflows. The offering includes a core co-lending platform backed by micro-services architecture, a Partner Portal for lenders, and a Build with BHN integration program, all aimed at scaling affordable mortgage business in tier II and III cities.

Product overview

Bharat Housing Network operates as a technology platform for co-lending in affordable housing, functioning as India's first industry-wide co-lending platform. The product portfolio consists of a core co-lending platform backed by micro-services architecture, complemented by a Partner Portal for financial institution lenders and a Build with BHN integration program. The platform facilitates capital flow to affordable housing finance companies, providing technology infrastructure, capital access, and co-lending capabilities to expand reach and scale affordable mortgage business in tier II and III cities.

Differentiator

Problem solved

Functional benefit

Products and services

• Bharat Housing Network Co-lending Platform India's first industry-wide co-lending platform focused on affordable housing. It provides affordable housing finance companies and financial institutions with capital, technology infrastructure, and co-lending capabilities to scale affordable mortgage business, particularly in tier II and III cities.
• Partner Portal (Lender Portal) A dedicated portal for financial institution partners to deploy capital in affordable housing finance as per their credit policy, with low customer acquisition and servicing costs. Provides access to portfolio analysis, monitoring, and workflow management.
• Build with BHN An integration program for financial institutions and housing finance companies to integrate with the Bharat Housing Network platform, enabling target market expansion, liquidity access, and benefits from co-lending infrastructure and technology capabilities.

Quantifiable outcome

• Increased geographical reach and reduced loan processing time
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature5 records

Partnerships

One partnership is on record.

• Affordable Housing Finance CompaniescoreStrategic or Co-development PartnerBharat Housing Network partners with affordable housing finance companies to provide capital access, technology infrastructure, and co-lending infrastructure. These partners adopt the co-lending model with Bharat Housing Network to drive lending and accelerate housing.

Scale indicators3 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• Aavas Financiers: Listed affordable-housing finance company serving self-employed and salaried LMI borrowers across semi-urban and rural India. Directly comparable target customer segment and product to BHN's affordable-housing thesis.
• Aadhar Housing Finance: Large India-focused affordable housing finance company that both competes for the same affordable-housing borrower segment and is itself the type of HFC counterparty Bharat Housing Network serves. Comparable in customer base, product focus (LMI housing loans), and tier II/III city reach.
• Spandana Sphoorty Financial: Indian NBFC focused on microfinance and small-ticket lending to LMI households. Overlaps with BHN on serving income-thin borrowers in tier II/III India and is representative of the originator profile in BHN's network.

Emerging players

• LoanTap: India-based fintech platform offering SME and consumer credit through its own NBFC and partner-bank balance sheets using a co-lending / partnership model. Comparable business model — facilitating co-lending between originators and capital providers.
• Paisabazaar: India's largest online financial-product marketplace, distributing home loans and other credit products from multiple lenders. Comparable in routing borrower demand to multiple lender counterparties and in transaction-fee monetisation.
• InCred Finance: Indian fintech platform providing consumer, SME and education loans via a technology-led origination and co-lending model. Comparable in B2B co-lending infrastructure, tech-led underwriting, and transaction-fee monetisation.
• CreditVidya: India-based fintech that provides alternative credit underwriting data and decisioning APIs, including for thin-file and self-employed borrowers. Directly comparable on the AI-driven credit-assessment infrastructure side of BHN's platform.

Broad incumbents

• PNB Housing Finance: Large, established Indian housing finance company with a broad portfolio that includes an affordable-housing segment. Comparable in product (home loans) and a likely bank/HFC counterparty for BHN's co-lending platform.
• FiveStar Business Finance: Listed Indian NBFC focused on secured lending to small-business and salaried customers in tier II/III India. Comparable in serving underserved, thin-file, self-employed borrowers — the same demographic BHN enables through co-lending.
• Indiabulls Housing Finance: Major Indian HFC with a wide mortgage book and growing affordable-housing presence. Comparable in mortgage origination focus and a potential partner or competitor for co-lending arrangements.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds4 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bharat Housing Network