For decades, housing finance in India remained fundamentally paper-driven. That model is now changing rapidly.
The next phase of mortgage lending is being shaped not merely by branch expansion or cheaper capital, but by AI-led underwriting, predictive analytics, automation, and digitally orchestrated customer journeys. Mortgage companies are steadily evolving into technology-led financial platforms where data intelligence is becoming as critical as lending itself.
At the centre of this transition is Anubhav Rajput, CIO & CTO, PNB Housing Finance, who is leading a large-scale technology modernisation initiative at the organisation. From cloud-native infrastructure and AI-enabled collections to predictive underwriting and mobile-first onboarding, the company is reimagining what a modern mortgage institution could look like in India’s rapidly evolving housing market.
The next housing finance boom will be built beyond metros
According to Rajput, the strongest momentum in housing finance is now emerging from Tier-II, Tier-III, and even Tier-IV cities, where mortgage penetration remains low, but demand growth is accelerating rapidly.
“The affordable housing segment is...
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