India Mortgage Guarantee Corporation - IMGC

Overview

India Mortgage Guarantee Corporation (IMGC) is the first and only mortgage guarantee company in India, established in 2012 and regulated by the Reserve Bank of India. Headquartered in Noida, Uttar Pradesh, it focuses on enabling early homeownership by providing mortgage guarantees that reduce credit risk for lenders, banks, and housing finance companies. This approach allows borrowers to access home loans with lower down payments and more favorable terms.

IMGC's signature offering is its mortgage guarantee product, which covers borrower defaults and assists lenders in expanding into new markets, including affordable housing. The organization has issued guarantees exceeding ₹35,000 Crore, impacting over 150,000 households through initiatives like Housing for All. IMGC collaborates with more than 25 lending institutions, including a notable partnership with Bank of India, to advance financial inclusion and expand access to home loans throughout India.

Basic Information

Contact Details

• Phone: +91 12048 98000
• Website: imgc.com
• LinkedIn: linkedin.com/company/india-mortgage-guarantee-corporation-pvt-ltd

Key Focus Areas & Initiatives

• Mortgage guarantee
• Early home ownership
• Build earning assets without incremental risks
• Expertise in managing high LTV risks
• Affordable housing
• Growth coupled with safety
• Credit risk mitigation
• Housing for all
• Home buyers
• Co-lending
• Affordable home loans
• Capital relief
• Cash flow support
• Financial inclusion
• Growth enabler
• Securitization
• PMAY
• Credit expansion
• Geographic expansion
• First-time home buyers
• Interest rates
• Maximum LTV
• Lower EMI
• Higher loan amount
• Risk box expansion
• Equity mortgage
• Registered mortgage
• Housing finance
• Home loan guarantee
• Growth
• Stability
• Higher eligibility
• Longer tenure
• Secondary underwriting
• Product expansion
• Credit enhancement
• Minimum down payment
• Credit assessment
• Loan expansion
• Housing loan risk mitigation
• Risk management
• Collateral assessment AI
• Risk mitigation tools
• Loan guarantee
• Lender risk management
• Regulatory compliance
• Risk assessment technology
• Risk mitigation
• Affordable housing loans
• Risk management technology
• Collateral evaluation
• B2B
• Risk evaluation
• Loan portfolio
• Risk in force
• Credit evaluation AI
• Loan terms
• Credit evaluation
• Finance
• Risk coverage
• Risk transfer solutions
• Loan security
• India housing market
• Risk transfer solutions India
• Financial stability
• Other activities related to credit intermediation
• Mortgage guarantee India
• Housing sector
• Risk sharing
• Guarantee products
• Loan eligibility
• Guarantee coverage
• Machine learning
• AI in mortgage risk
• Second loss guarantee
• Credit underwriting
• Risk management in housing
• Guarantee fee income
• Capital adequacy ratio
• Housing finance risk
• Housing loan guarantee India
• Loan guarantee for affordable housing
• Real estate
• Credit assessment tools
• Homeownership
• AI risk assessment
• Second pair of eyes
• Collateral assessment
• Housing loans
• India mortgage market
• Credit risk transfer
• Services
• Loan facilitation
• Artificial intelligence
• Information technology & services

Technologies Used

• AI
• Amazon AWS
• Android
• Micro
• Outlook