Lifetime retention with policy
Retention rules and legal holds keep documents for the full mortgage tenure and beyond, with disposition evidence.
Housing Finance
Property documents that stay findable for 20 years
Housing-finance companies hold original title deeds, valuation reports and long-tenure loan documentation that must remain intact and auditable for decades. DocuSwift pairs unlimited S3 storage with retention rules, legal holds and immutable audit trails — the design Aavas Financiers runs at 35+ TB scale.
Documents we manage
The documents in scope
- Title deeds, sale agreements and chain of title
- Valuation and technical reports
- Legal opinions and search reports
- Loan agreements, mortgage deeds and MODT
- Insurance policies linked to the property
- Foreclosure and release documents
Today's pain
What slows teams down
- Physical document storage costs grow with every disbursement and are hard to audit.
- Retrieving the complete property file for a release or a legal matter takes days.
- Long retention periods make on-premises storage refreshes expensive and risky.
- Disaster-recovery gaps threaten irreplaceable records.
With DocuSwift
How housing finance teams use DocuSwift
Complete property file in one view
Metadata links every document to the property and loan so releases and legal reviews start with everything in hand.
Active-active resilience
Deploy across Mumbai and Hyderabad for 99.99% availability and regional disaster recovery.
60% lower infrastructure cost
Serverless AWS services removed the hardware refresh cycle and manual management for Aavas.
Approval flows we configure first
- Legal and technical approval before sanction
- Disbursement document completeness check
- Release-of-property document sign-off
Each flow supports criteria-based routing, multi-level approvers, reminders and escalation, with every decision in the audit trail.
Is DocuSwift proven at housing-finance scale?
Yes. Aavas Financiers migrated more than 35 TB of loan documentation to DocuSwift on AWS and runs it active-active across two regions with 99.99% uptime.
Can we scan and upload physical archives?
Yes. Bulk upload and IDP (OCR plus metadata extraction) let you digitise archives in batches while preserving folder structure and tagging each file for search.
Other industries
NBFCs & Lending
Loan files, KYC, sanction letters and collections documents in one governed repository.
Banks & Co-operatives
Customer records, account documentation and servicing files with branch-level access control.
Insurance
Policy documents, claims records and customer files with workflow and audit built in.
Get started
See DocuSwift configured for housing finance
We will walk through your document types, metadata model and approval flows on a live environment, then share a deployment plan for your AWS account.
Or email info@habilelabs.io · Monday to Friday, 10:00–19:00 IST (excluding public holidays)