When you think of home loans in India, chances are your first thoughts are not of simplicity or transparency. For many, the process is riddled with confusion, hidden costs, and stressful negotiations. But for Shantanu Indoriya, founder of Homobie Home Loans, these very frustrations became the spark that launched a fintech platform now on a mission to transform borrowing into an empowering experience.
“I saw families walk into loan offices with dreams of owning a home, only to walk out disillusioned,” Shantanu recalls. “One particular family almost gave up on buying their house because of misleading advice. Guiding them to the right loan showed me just how broken the system really was.”
That moment, he says, was the turning point — the birth of Homobie Home Loans.
From Bhopal’s Loan Desks to a Fintech Vision
Shantanu’s entrepreneurial story begins not in a high-rise boardroom, but on the ground in Bhopal. He ran Ekaaki Finance, where he witnessed firsthand how borrowers were routinely misled.
“Borrowers were trapped in loans with hidden charges, inflated processing fees, and terms they didn’t understand. At the same time, builders and brokers lacked any structured, tech-driven way to connect their clients with the right lenders.”
These early experiences didn’t just reveal a gap — they ignited a mission.
“Finance should be both affordable and empowering,” he says with conviction. “Homobie is my step towards fixing a broken system while creating opportunities for borrowers, builders, and brokers across India.”
Introducing Homobie: Transparency Meets Wealth-Building
Homobie Home Loans is no ordinary loan aggregator. At its core, the company provides home loans, loans against property (LAP), and related financial products — but with a twist: the SIP-integrated credit model.
Here’s how it works: alongside every EMI payment, borrowers can choose to invest a small amount into a mutual fund SIP. Over 10 to 15 years, this parallel wealth creation reduces the effective interest burden and gives families not only a home but also a financial safety net.
“In India, debt is often seen as a burden,” Shantanu explains. “We wanted to flip that narrative. By linking EMIs with SIPs, debt becomes an opportunity to create long-term wealth.”
Where competitors focus on speed and loan comparisons, Homobie positions itself as a trust-first, impact-driven fintech that strengthens a borrower’s financial future.
Building Trust in a Distrustful Industry
For any startup, trust is hard to earn — but in lending, where skepticism runs high, it’s an uphill battle.
“The biggest challenge we faced was the trust deficit in the lending industry,” Shantanu admits.
Borrowers were used to agents pushing products for commission, not client benefit. To counter this, Homobie made transparency its core value — no hidden fees, clear comparisons, and a fully digital-first journey.
The company also invested heavily in borrower education. “Many families knew how to take a loan, but not how to manage it wisely. That’s where our SIP-integrated model became a breakthrough, showing them that debt can actually help build wealth.”
Expanding into Tier-2 and Tier-3 cities brought its own hurdles. “Local DSAs, builders, and brokers were skeptical of tech platforms. We overcame this by blending ground-level DSA experience with digital tools, creating a partner-first ecosystem where they grow with us instead of being replaced.”
The Breakthrough Moment
While transparency won Homobie Home Loans trust, it was the SIP-integrated loan model that truly set the company apart.
“Until then, we were another lending platform focused on faster sanction and clarity. But when we introduced the SIP option, it completely changed how people saw us,” Shantanu explains.
The move differentiated Homobie Home Loans from larger players like PaisaBazaar and Basic Home Loans. Suddenly, Homobie wasn’t just a service provider — it was a long-term financial partner for borrowers.
Looking Ahead: The Next Five Years
Shantanu’s ambitions stretch far beyond Bhopal. In the next five years, he envisions Homobie Home Loans scaling into a pan-India ecosystem. His roadmap includes:
- Geographic Expansion – Entering Tier-2 and Tier-3 markets city by city, addressing regions underserved by transparent finance.
- Technology & Innovation – Strengthening the loan recommendation engine and scaling the SIP-integrated credit model.
- Partner Ecosystem – Expanding Homobie Home Loans into a “lead + loan + property” platform, giving builders, brokers, and CAs a digital ecosystem that grows with them.
“In five years, I want Homobie Home Loans to be known not just as a fintech company,” Shantanu says, “but as the platform that made homeownership affordable, transparent, and profitable for millions of Indians — while creating thousands of livelihoods in the process.”
Lessons from the Entrepreneurial Journey
Behind the growth story is a deeply personal journey of resilience and learning.
“One thing kept me going: clarity of purpose. If you don’t know why you’re building something, the first storm will knock you down.”
Shantanu’s advice to aspiring entrepreneurs:
- Execution matters more than inspiration. You can discuss ideas for hours, but nothing changes until you take action.
- Cash flow is survival. It’s not about raising millions — it’s about using every rupee wisely.
- The right team makes the impossible achievable. A founder’s job is to create an environment where others perform at their best.
- Failures are lessons. “I’ve failed more than once, but I don’t call them failures anymore. They were tuition fees for success.”
His journey reflects the voice of someone who has stumbled, learned, and risen stronger — a perspective many entrepreneurs will find relatable and inspiring.
Final Thoughts: Building Homes, Building Trust
Homobie Home Loans isn’t just solving for loans — it’s reshaping how Indians experience borrowing. By combining transparency, digital innovation, and wealth-building, Shantanu Indoriya is leading a movement toward trust-driven, financially empowering homeownership.
“We’re not just helping people buy homes,” he concludes. “We’re helping them secure their future while doing it.”
Connect with Homobie
Website: www.homobie.com
LinkedIn (Founder): Shantanu Indoriya
Instagram (Company): Homobie
Call to Action
If you believe in fair, transparent, and empowering finance, explore how Homobie Home Loans can make your homeownership journey easier and smarter. Follow their story, join the conversation, and be part of a financial revolution where loans don’t just buy homes — they build futures.
