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  "documentTitle": "The pitch deck that mortgage lender Shubham used to raise $112 million",
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      "text": "The sub-20 lakh segment is a niche one. Untapped opportunities exist here especially since large banks do not operate in this segment. It's characterised by cash flow-based underwriting and low LTV.",
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      "text": "Average age 37.5 years, Average size of household 4, Average borrower down payment 7,00,000, Household monthly income 38,000, Average loan size 8,60,000, 'New to credit' customers 25%",
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      "text": "Target consumer groups include first-time home buyers; those with an formal/ informal source of income; and those who have been engaged in employment for at least two years. Typical profiles including the self-employed (such as those running their own stores) and those who receive salaries in cash",
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      "kind": "paragraph",
      "text": "WE OPERATE IN THE AFFORDABLE SEGMENT WITH A DIFFERENTIATED APPROACH TO SELECTING TARGET CUSTOMERS, PRODUCT AND GEOGRAPHY FOCUS, ORIGINATION AND UNDERWRITING.",
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      "text": "*based on active Loan count as of March 2022",
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