{"id":95081,"date":"2026-03-27T14:58:22","date_gmt":"2026-03-27T09:28:22","guid":{"rendered":"https:\/\/vajiramandravi.com\/current-affairs\/?p=95081"},"modified":"2026-03-27T14:58:22","modified_gmt":"2026-03-27T09:28:22","slug":"gruha-sugam-portal","status":"publish","type":"post","link":"https:\/\/vajiramandravi.com\/current-affairs\/gruha-sugam-portal\/","title":{"rendered":"Gruha Sugam Portal"},"content":{"rendered":"<h2><b>Gruha Sugam Portal Latest News<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Recently, the National Housing Bank (NHB) launched the Gruha Sugam Portal.<\/span><\/p>\n<h2><b>About Gruha Sugam Portal<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It enables <\/span><b>Defence \/ Government personnel<\/b><span style=\"font-weight: 400;\"> to <\/span><b>avail home loans<\/b><span style=\"font-weight: 400;\"> with ease from the location of their posting.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It will <\/span><b>accelerate digital lending<\/b><span style=\"font-weight: 400;\"> adoption and financial inclusion.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It will <\/span><b>facilitate increased home ownership<\/b><span style=\"font-weight: 400;\"> through improved access to housing loans, strengthening the mission of promoting affordable and sustainable housing finance<\/span><\/li>\n<\/ul>\n<h2><b>Salient features of the Portal<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Defence Personnel, Members of Paramilitary Forces, Government Employees (State and Central) can apply for housing loans digitally through their respective administrative units.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No need<\/b><span style=\"font-weight: 400;\"> to visit <\/span><b>the banks and financial institutions <\/b><span style=\"font-weight: 400;\">for loan approvals and processing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unified Digital Marketplace<\/b><span style=\"font-weight: 400;\"> which enables market transparency and discovery of best suited offer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seamless digital integration<\/b><span style=\"font-weight: 400;\"> with NHB and lending institutions to ensure ease of operations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enhanced Loan Processing Efficiency<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Grievance Redressal and Consumer Protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Online Chat facility for quick query resolution<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National Housing Bank launches Gruh Sugam Portal focusing on Defence, Paramilitary &amp; Government Personnel<\/span><\/li>\n<\/ul>\n<h3><b>Key Facts about National Housing Bank<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\">It is an apex agency established to promote <\/span><b>housing finance companies (HFCs) in India.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">It is an All-India Financial Institution (AIFl) <\/span><b>wholly owned by the Government of India<\/b><span style=\"font-weight: 400;\"> (GoI).<\/span><\/li>\n<li><b>NHB supervises HFCs<\/b><span style=\"font-weight: 400;\">, while regulation of HFCs is with the <a href=\"https:\/\/vajiramandravi.com\/upsc-exam\/reserve-bank-of-india\/\" target=\"_blank\"><strong>Reserve Bank of India<\/strong><\/a> (RBI).<\/span><\/li>\n<li><span style=\"font-weight: 400;\">NHB is <\/span><b>wholly owned by the GoI post the 24 April 2019<\/b><span style=\"font-weight: 400;\"> notification of RBI i.e. The entire paid-up capital of NHB is held by the government.<\/span><\/li>\n<li><b>Functions of NHB<\/b>\n<ul>\n<li><span style=\"font-weight: 400;\">Supervision and grievance redressal regarding HFCs<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Financing<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Promotion and Development<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Head Office:<\/b><span style=\"font-weight: 400;\"> New Delhi.<\/span><\/li>\n<\/ul>\n<p><b>Source: <\/b><strong><a href=\"https:\/\/www.pib.gov.in\/PressReleasePage.aspx?PRID=2245721&amp;reg=3&amp;lang=1\" target=\"_blank\" rel=\"nofollow noopener\">PIB<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gruha Sugam Portal by National Housing Bank enables defence and government staff to apply for home loans digitally, improving access, transparency, and affordable housing finance.<\/p>\n","protected":false},"author":24,"featured_media":95148,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[6402,21,350],"class_list":{"0":"post-95081","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-upsc-prelims-current-affairs","8":"tag-gruha-sugam-portal","9":"tag-prelims-pointers","10":"tag-upsc-prelims-current-afffairs","11":"no-featured-image-padding"},"acf":[],"_links":{"self":[{"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/posts\/95081","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/comments?post=95081"}],"version-history":[{"count":4,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/posts\/95081\/revisions"}],"predecessor-version":[{"id":95172,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/posts\/95081\/revisions\/95172"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/media\/95148"}],"wp:attachment":[{"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/media?parent=95081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/categories?post=95081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/tags?post=95081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}