Spoton Fintech - Housing

Spoton Fintech — Home Loans Made Simple

Spoton Fintech Private Limited is a RBI-registered Non-Banking Financial Company
(NBFC — Type 2), licensed in September 2023.

Spoton Fintech is led by finance professionals who have experience of over 10 years in providing home loans to the informal sector.

Buying your dream home through PMAY? Spoton Fintech - Housing is your end-to-end digital home loan assistant — designed to guide you through every step of your loan application from the comfort of your phone, with minimal documentation. No ITRs, no Form 16 required.

── WHAT MAKES Spoton Fintech DIFFERENT ──

🏠 Built for Housing Board Allottees: Purpose-built for applicants allotted flats under PMAY. Our app understands your specific property type and loan requirements — no generic forms, no confusion.

🎙️ Voice-First Application: Start your application by speaking. Our AI voice assistant captures your personal, income, and property details through a natural conversation — no tedious data entry required.

🎥 100% Digital Video KYC: Complete your full KYC without visiting a branch. Our in-app Video KYC lets you verify your identity through a secure, RBI-compliant live video session.

🔐 Your Data is Secure: Every piece of your information is encrypted in transit and at rest using TLS and AES-256 protocols.

── WHO CAN APPLY ──

- You have received an allotment letter from a government housing board
- Your property falls under the PMAY scheme
- Loan amounts up to ₹25 lakh

── INTEREST RATES & CHARGES ──

Home loan interest rates starting from 9% per annum.
Processing fees and all applicable charges are fully disclosed at:
spotonfintech.in/home-loans

── HOW IT WORKS ──

1. Register with your mobile number — quick OTP login, no passwords
2. Complete your CKYC verification in minutes
3. Tell us about yourself via our voice assistant
4. Answer guided questions about your income, expenses & property
5. Capture workplace and document photos for verification
6. Complete your Video KYC
7. Submit — our credit team reviews and sanctions your loan

── PERMISSIONS WE USE ──

- Camera — for workplace/document photo capture and Video KYC
- Microphone — for voice-based loan application and Video KYC
- Location — to verify the authenticity of captured photos and for Video KYC geotagging
- Internet — required for all app features

Spoton Fintech - Housing is purpose-built for PMAY housing board allottees across India.
Apply today and take the next step towards your own home.