ICICI Home Finance Company Ltd. (ICICI HFC), a wholly owned subsidiary of ICICI Bank, has long been a trusted name in India’s housing finance sector. Serving self-employed professionals, salaried individuals, and non-professionals alike, the company has steadily expanded its reach and impact.

As of March 31, 2025, ICICI HFC reported an AUM of ₹38,942 Crore, with disbursement volumes rising consistently over the past three years. Turnaround times for standard loans improved to about two weeks, while case disbursements nearly doubled — powered by stronger quality of work at login and the rapid expansion of its branch distribution network to over 240 locations. In parallel, ICICI HFC’s new digital capabilities built over the last 12 months enabled the company to solve business problems at scale, all while maintaining last-mile compliance.

The journey of digital transformation began in 2021, when ICICI HFC recognized that its existing systems were reaching functional limits. Manual interventions slowed disbursals, fragmented data made decision-making harder, and disconnected systems limited collaboration with fintechs, DSAs, legal and technical vendors. For a fast-growing housing finance business, the lack of a unified platform meant reduced agility and an inability to keep pace with evolving customer expectations. What ICICI HFC needed was clear: a modern, unified, and scalable digital lending platform.

That’s where Uncia stepped in. With its flagship Uncia PRIME Loan Origination System (LOS), Uncia redefined ICICI HFC’s origination and onboarding experience. PRIME introduced a next-generation, end-to-end digitized journey with real-time API integrations across external partners, internal decision engines, loan management systems, and the wider banking ecosystem. For the first time, legal, sales, and technical stakeholders were brought into a single digital workflow, creating efficiency at scale. Field teams were empowered with a mobile-first onboarding system to capture data, upload documents, and track cases in real time, while customers benefited from seamless DIY journeys that enhanced transparency and engagement.

The results were nothing short of transformative. Active users on the new LOS quickly crossed 1,000, with projections to support more than 3,000 users in FY25 — all achieved within just three months of implementation. ICICI HFC now offers a streamlined, fully integrated digital lending experience, from application to disbursement. Processing fees are digitized, customer participation is active throughout, and the entire lending cycle runs on a foundation of automation and collaboration.

Behind this success lies Uncia’s deep domain expertise in lending, proven track record in large-scale LOS and LMS migrations, and commitment to agile delivery. By unifying multiple teams into one digital workflow and ensuring ecosystem-ready integrations, Uncia created a robust platform on which ICICI HFC can continue to scale its business. Today, the partnership between ICICI HFC and Uncia stands as a model for what true digital transformation can achieve in the housing finance space.

Looking ahead, ICICI HFC and Uncia are building on this foundation to power the next phase of growth. As India’s lending ecosystem continues to evolve, Uncia remains committed to enabling banks and NBFCs to modernize across home loans, loan against property, personal loans, and SME lending through its cloud-native, API-ready, automation-first platforms.

Boilerplate. 

Uncia is transforming the future of lending with its award-winning, AI-driven platforms — PRIME (Loan Origination), LEAP (Loan Management), and FLOW (Supply Chain Finance). Built to be cloud-native, API-ready, and automation-first, Uncia helps banks and NBFCs modernize their lending ecosystems with speed, scale, and compliance at the core. Uncia’s platforms deliver seamless, end-to-end digital journeys that empower customers, unify partners, and accelerate growth.

At Uncia, we live by our vision to “Dare to Go Beyond” — helping financial institutions reimagine what’s possible in lending.

Let’s reimagine the future of lending, together.
👉 Learn more at www.uncia.ai

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