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Why ummeed

UMMEED HOUSING FINANCE Private Limited is a housing finance company registered with National Housing Bank (NHB) as a housing finance company under National Housing Bank Act, 1987.

Loan without formal income documents

Yes, it is possible for you to avail a home loan or a loan against property without income proof. We would also tell you that though income proof is important as far as availing a loan is concerned, but in some cases like cash salaried individual, small grocery/kirana shop owner, daily wage earners etc. a loan can also be given by assessing the income.
At Ummeed Housing Finance Pvt. Ltd. we have Tailor-made our credit approach to better serve our target segment:
  • Focus on assessing borrower’s income from all sources
  • Use of in-house industry grids to benchmark applicant income
  • Visit to borrower’s current residence, office and property mandatory

Quick approval and disbursement

Quick turnaround & timely delivery are the key tenants which drives us at Ummeed. Our first & foremost aim is to ensure that we provide a GO - NO GO within first 3 days and a financial approval within 5 days of login to the customer. We handhold the customer through out the loan process and ensure that all financially approved cases are disbursed within 3-5 days subject to availability of clear & marketable property documents. Turn around time is measured at each stage of the approval & disbursal process, so that there are no gaps in providing fast decisioning & quick turnaround. As a fintech housing finance company, technology remain at the core to enhance speed & provide timely decisioning to our customers. Our fast decisioning & disbursement process are the key differentiators.

Friendly Customer Service

We at Ummeed believe in providing best in class service experience to all our customers. We maintain complete transparency, in providing information to the customer. Our website provides information regarding the product & services along with all customer related important policies like “MITC- Most Important Terms & conditions”, Grievance Redressal & KYC. Once a customer walk in to any of our branches, he is provided with pamphlet’s with information on Fixed vs Floating rate of interest, information on disbursal cycle (detailing the various stages of construction & the percentage of loan amount that can be released at each of these stages) of a Plot Purchase plus construction loan, Self-Constructaion loan & Home extension loan. In case of any query, the customer can walk in to any of our branches or connect with our central customer service team (on Toll free no.- 18002 126 127 or mail at, all these customers are provided with a customer service request number and depending upon the kind of request the team provides solutions within a pre approved turn around time.