Turn every Indian’s dream of owning a home into reality by providing easy access to home loans.


Owning a home is our most cherished dream but most of us cannot buy a home with just our savings and will be needing a home loan. But taking this all-important loan is neither easy, simple or cheap.

Today, we have home loan lenders who are catering to all segments of loan seekers including salaried, self-employed and small business owners but over 90% of digital loan applications are still getting rejected.

We asked ourselves why?

We found that online platforms focus only on credit scores and loan eligibility – which then leads to misconceptions like – credit score of 750 is guaranteed of loan or credit score of 400 means rejection. Or if my loan eligibility is 20 lakhs my loan approval for that amount is guaranteed.

Loan seekers are not aware that lenders use over 100 different criteria to decide if your loan should be approved or denied. And that ensuring you apply to the right lender is critical in getting approved.

So, we set out to change how India takes home loans.

We took our lifetime experience in home financing and created a proprietary algorithm that assesses the loan seeker profile and lets them know their chances of getting a loan. We call this their Loan Probability Index or LPi.

We then match the best fit lenders and provided loan application support from the first step to last; Ensuring that each home loan seeker has access to a lender who may be willing to approve their home loan.

Key Team Members

A serial entrepreneur with over 15 years of experience in Home Loans & SME Lending with Standard Chartered Bank and ICICI Bank. The need for LPi, algorithm-based profiling, was his brain child and he heads the loan advisory and the banking partnerships for Valucircles.

Atul Prakash

Founder & CEO

With over 35+ years of experience, Vishwanath was part of ICICI Bank from inception and went on to head the bank's Credit & Risk function. His understanding of consumer credit decisioning is critical in ensuring the accuracy of the LPi.

Vishwanth Sheshadri


An alumnus of ISB Hyderabad, Prernna had over 14+ years of experience with Cognizant in IT consulting, product management and operations for some of the world’s leading banks.She continuously looks for ways to improve our value proposition and ensure our message reaches the loan seekers.

Prernna Gupta

Co-Founder & Product Head

Vidhya Rangarajan

Technology Lead

Geetha Narayan

Technology Lead

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