India's Home Buying Revolution: Digitization Brings Faster Loans, Paperless Process, AI Access

• Digitization has transformed India's home buying experience, making it faster, more transparent, and less reliant on traditional paperwork and long bank queues.
• The 'digital-first' customer era sees 47% of borrowers comfortable applying for home loans online, with even seniors embracing digital platforms, as per BASIC Home Loan's report.
• India Stack enables paperless lending through DigiLocker, Aadhaar-based eKYC, and digital document vaults, eliminating tedious paperwork and increasing transparency.
• AI-driven risk models now allow individuals without a formal CIBIL score to access home loans by analyzing alternative data like GST filings and rent payments, especially benefiting affordable housing.
• Embedded Finance integrates loan facilities directly into real estate portals, combining home search and loan acquisition for a seamless, faster, and contextual credit experience.