Case Study: Roha Housing Finance achieves on-the-spot loan approvals and 2,700% growth with Nucleus Software's FinnOne Neo Cloud

Making ‘Onthe-Spot’ Housing Loan Approvals a Reality

Roha Housing Finance, a fast‑growing Indian housing finance company focused on middle and lower income customers, needed a scalable, integrated lending solution to assess credit where traditional bureau data and income proof were often unavailable. To deliver faster, customer‑first lending and automate underwriting, Roha selected Nucleus Software’s FinnOne Neo Cloud (along with FinnOne Neo Lending Mobility for mobile origination and collections).

Nucleus Software implemented FinnOne Neo Cloud on the cloud with a zero‑customization approach, building automated credit decisioning using 900+ parameters, 150+ conditions and 100+ rules and integrating with partners like CIBIL, CRIF and Perfios. The solution went live in 4 months and delivered 100% automated decisions, a 97% reduction in credit assessment time (approvals in under 2 hours vs. 3 days), 50% faster end‑to‑end processing (7 vs. 14 days) and a 2,700% increase in monthly business (INR 10M to INR 265M), all enabled by Nucleus Software.

Roha Housing Finance