Gruh Sugam Portal launched by National Housing Bank (NHB) for Defence / Government Sector Personnel

Gruh Sugam Portal launched by National Housing Bank (NHB) for Defence / Government Sector Personnel. The Gruh Sugam Portal offers several key benefits for both borrowers (specifically Defence, Paramilitary, and Government sector personnel) and lending institutions.

Benefits for Borrowers

• Improved Accessibility: Provides a unified digital marketplace that is accessible even from remote and far-flung areas, which is particularly beneficial for defence personnel who face frequent relocations and remote postings.
• Streamlined Process: The portal simplifies the home loan application process, allowing employees to register their requests with minimal data.
• Wider Choice and Best Offers: Loan requests are relayed to all registered lending institutions, who then provide their best offers, allowing the borrower to choose and accept the most suitable one.
• Enhanced Transparency: The digital platform is designed to foster transparency throughout the home loan process.
• Affordability and Efficiency: The portal aims to foster affordability and provide faster loan approvals.
• Empowerment: Borrowers are empowered through market transparency and a more direct connection with multiple lending institutions.

Benefits for Lenders

• Extended Market Reach: Lenders gain access to a dedicated segment of borrowers (Defence and Government sector personnel) across the country, including those in remote areas.
• Operational Efficiency: The digital nature of the portal enhances loan processing efficiency and streamlines stakeholder integration.
• Regulatory Compliance: The platform is designed to assist lenders in maintaining regulatory compliance.
• Financial Inclusion: By participating in the portal, lenders contribute to NHB’s mission of promoting affordable and sustainable housing finance and accelerating digital lending adoption.

Department of Financial Services O.M. dated 17.03.2026:-

No. FT-24/3/2026-IF-II
Government of India
Ministry of Finance
Department of Financial Services

3rd floor, Jeevan Deep Building
Sansad Marg, New Delhi – 110 001
Dated: 17th March, 2026

OFFICE MEMORANDUM

Subject: Gruh Sugam Portal launched by National Housing Bank (NHB) for Defence / Government Sector Personnel- reg

The undersigned is directed to forward herewith a copy of letter No. HO/ROD/DOC/2026/06324 dated 03.03.2026 and letter No. NHB/ND/MD Secretariat/01528/2025 dated 25.09.2025 (copies enclosed), from National Housing Bank (NHB) conveying the launch of “Gruh Sugam” portal, a dedicated portal for Defence/ Paramilitary/ Government Sector Personnel with Housing Finance Companies (HFCs) and other lending institutions regarding housing finance accessibility.

2. Gruh Sugam is an innovative digital platform to streamline the home loan process, enhance transparency and foster affordability. This portal will accelerate digital lending adoption and financial inclusion and will facilitate increased home ownership through improved access to housing loans strengthening NHB’s mission of promoting affordable and sustainable housing finance.
3. The portal enables registration of defence / paramilitary / Govt. Staff through their respective administrative units. The employees register their request for a housing loan with minimal data, which is then relayed to all registered lending institutions. The lending institutions will provide their best offer which can be accepted by the employee. The portal can be accessed using the URL https://gruhsugam.nhbonline.org.in/
4. In view of the above, it is requested to disseminate information about the Gruh Sugam Portal among the defence units/ regiments/ Govt. Departments/ employees etc. with a view to avail the portal for availing housing finance facility digitally.

Encl.: As above.

(Shailendra Kumar)
Under Secretary to the Government of India
Tel: 011-23748767

To: The Secretaries of Ministries/ Departments, GoI (as per standard list).

Letter from NHB (March 2026)

NATIONAL HOUSING BANK

HO/ROD/DOC/2026/06324
March 03, 2026

To,

Under Secretary to the Govt. of India,
IF-II, Ministry of Finance,
Department of Financial Services,
Jeevan Deep Building, Sansad Marg,
New Delhi – 110001

Sir, Gruh Sugam – A dedicated housing portal launched by NHB for Defence/ Government Sector Personnel

As you are aware, National Housing Bank (NHB) in its 38th Annual day had launched Gruh Sugam, which is a dedicated portal for connecting borrowers with Housing Finance Companies (HFCs) and other lending institutions. Gruh Sugam is an innovative digital platform designed to revolutionize housing finance accessibility in India. By integrating financial institutions, borrowers, and regulatory bodies, Gruh Sugam streamlines the home loan process, enhances transparency, and fosters affordability.

In continuation with the earlier Letter and with reference to the discussion between NHB and the DFS team on this matter, the Gruh Sugam portal has been moved to production and made live at the following URL: https://gruhsugam.nhbonline.org.in/

Furthermore, as advised, the following changes have been made to the website:

1. Provision for registration by individual Govt Employee has been added in the portal
2. Landing page layout has been improved and made more user friendly
3. Search Engine Optimization has been carried out for easier discoverability of the portal

Since one of the envisaged beneficiaries are the defence personnel who are posted in remote far-flung locations and otherwise, it is imperative that the process of onboarding the Defence Units / Personnel is carried out expeditiously.

Owing to the sensitive nature of defence sector, we require help from the Department of Financial Services, for onboarding the defense personnel on the portal. Further, as all Government Employees are envisaged to be beneficiaries of this portal, we request that a communication may be sent to the Ministry of Defence and all other ministries regarding this platform for further dissemination to the defence units/regiments/Govt Departments etc.

(Susanta Kumar)
General Manager

Letter from NHB (September 2025)

Sanjay Shukla
Managing Director

NATIONAL
HOUSING BANK

NHB/ND/MD Secretariat/01528/2025
September 25, 2025
03-Ashwin, Saka Samvat, 1947

Shri Manoj Ayappan
Joint Secretary to the Govt. of India
Ministry of Finance, Department of Financial Services
Jeevan Deep Building, Sansad Marg
New Delhi – 110001

Sir,

Gruh Sugam – A dedicated housing portal launched by NHB for Defence / Government Sector Personnel

As you are aware, National Housing Bank on its 38th Foundation Day has launched Gruh Sugam, a dedicated portal for connecting borrowers with Housing Finance Companies (HFCs) and other lending institutions. Gruh Sugam is an innovative digital platform designed to revolutionize housing finance accessibility in India. By integrating financial institutions, borrowers, and regulatory bodies, Gruh Sugam streamlines the home loan process, enhances transparency, and fosters affordability.

2. The key features of Gruh Sugam are (a) Unified Digital Marketplace accessible from remote and far-flung areas, (b) Seamless stakeholder integration, (c) Enhanced loan processing efficiency, and (d) Market transparency and borrower empowerment.

3. The portal will provide better accessibility, wider choice, affordable financing and faster approvals to the borrowers, and will also benefit the lenders in terms of extended market reach, operational efficiency and regulatory compliance. The Gruh Sugam will accelerate digital lending adoption and financial inclusion and will facilitate increased home ownership through improved access to housing loans. It will also strengthen NHB’s mission of promoting affordable and sustainable housing finance.

4. The Gruh Sugam portal enables registration of defence / paramilitary / Govt. staff through their respective administrative units. The employees register their request for a housing loan with minimal data, which is then relayed to all registered lending institutions. The lending institutions will then provide their best offer which can be accepted by the employee. The portal can be accessed using the URL: https://gruhsugam.nhbonline.org.in/ and the user manual can be accessed from the portal itself.

5. Defence personnel, owing to their remote postings and frequent relocations, often face difficulties in accessing housing loans. NHB envisages defence personnel as being among the biggest beneficiaries of the Gruh Sugam portal, and therefore, it is imperative that the process of onboarding the defence units / personnel is carried out expeditiously.

6. In this regard, we request that a communication may be sent to the Ministry of Defence regarding the Gruh Sugam platform for onward dissemination to the various units of the armed forces.

Yours faithfully,

(Sanjay Shukla)
Managing Director