Housing being the one of the essential needs of mankind, the demand for shelter grows in line with the increase in population and the standard of living.

Every one dreams of owning a home.

Buying a house is one of the best investments people make with their hard earned money during their lifetime. The housing finance institutions fulfill the dreams of those aspiring to own their first home and contribute to the growth of the housing sector. Growing Indian economy, rising income, urbanizing population, and government tax incentives over the years, have led to a vibrant housing finance market. Most of the housing finance Institutions today cater to the needs of upper middle and high income customers belonging to the formal segment. Availability of IT returns, salary certificates and income proofs have made the credit assessment to this segment relatively easy. This over the years has led to a situation of finance and housing stock being made available mainly to the formal and high income segment while the housing demand remains with the informal, low income and middle income segment. Thus the aspirational first home till date remains a dream for most of the Indians from lower / middle income background. Lack of finance availability has prevented the fulfillment of their dreams for long.

This segment of self employed, Low, middle income customers belong and perform different nature of work. The financial strength and income generation capability of each customer is different. It would be difficult to club these customers, who are prone to the vagaries of the economy, under any homogenous group. Understanding their financial needs call for a high level of empathy and awareness of the impact of the economic vicissitudes in their lifestyle.

AMRI extends this beyond credit assessment. We keep this as a driving philosophy in every facet of the organization; be it designing our policies for lending, collection or developing systems, or recruiting employees We strive to understand and treat each stakeholder in a suitable manner, while creating a work environment conducive to finding the most effective, innovative and suitable solutions for every challenge.