What is Home First Finance — and why most rejected borrowers qualify

Home First Finance is an NBFC that was built specifically to serve borrowers that mainstream banks reject. If you have informal income, no ITR, or low CIBIL — this lender is designed for your situation.

Unlike HDFC or SBI which use automated systems based on CIBIL scores and formal ITR, Home First Finance uses manual underwriting. A field officer visits your place of work or business and assesses your income directly from what they observe.

Key facts about Home First Finance: Rate from 8% per annum. Approval in 48 hours once documents are submitted. Up to 90% of property value as loan. No ITR required. Serves borrowers with CIBIL score from 600 onwards.

Who typically benefits from Home First Finance: self-employed traders, kirana store owners, contractors, auto drivers, small manufacturers, and anyone whose income is real but not formally documented through ITR.