Though there is intense competition in the home loan space with a large number of banks and housing finance companies being part of the arena, Shubham has had to re-negotiate and re-establish itself to compete in the market. With this Shubham has established its self firmly in the market with high a high credit rating and its ability to raise funds from the market at attractive rates of interest.

Shubham performed the best when it was faced with intensive competition. This goes to show the high credibility and the performance-oriented nature of Shubham both as a home loan fund.