Reach 30 crore rural property cardholders.
India's only platform dedicated to SVAMITVA cardholders.
We work with banks, NBFCs, insurers, and fintechs to connect their products with the 30M+ Indians who now hold legal title to their village homes. If you serve rural India, talk to us.
Why partner with Gharauni
A new asset class. A defined audience. A clean acquisition channel.
High-intent audience
Cardholders actively looking for loans, insurance, and verified buyers. Not browsing - transacting.
Pre-verified collateral
Every cardholder has government-issued title. Reduces your underwriting risk by an order of magnitude.
Measurable funnel
Per-source lead tagging, conversion analytics, fixed-CAC pricing options. No vague impression-based deals.
Who we work with
Four kinds of partners. Five revenue models.
Banks, NBFCs, HFCs
Acquire SVAMITVA-backed loan customers. Pay per qualified lead or per disbursed loan. 11 partners already integrated.
Typical model: Rs 500-3000 CPL, or 0.5-1.5% of disbursed amount.
Property insurance
Rural homes were uninsurable before SVAMITVA. We bring you policyholders who finally have the title to qualify.
Typical model: 12-18% commission on premium.
B2B API access
Title verification API for your underwriting team. PDF parser API for your LOS. Volume pricing.
Typical model: Rs 50-500 per API call, contract pricing at scale.
Agents and CSCs
Common Service Centres, banking correspondents, village-level entrepreneurs. White-label our tools.
Typical model: Revenue share on commissions earned.
Tell us about your partnership
We will respond within 2 business days with a custom proposal.
11 lenders accepting SVAMITVA cards through our platform. Among them:
- Bajaj Finserv, Tata Capital, Aditya Birla
- Kotak, HDFC, ICICI, Axis
- PNB Housing, IIFL, L&T, Cholamandalam
Rs 132 lakh crore in newly bankable rural collateral. 30M+ titled homes. Less than 5% currently served by formal credit. The TAM is enormous and underserved.
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