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Making Home Ownership Achievable, Affordable and Accessible

We are amongst the pioneers in ensuring access to housing finance. With a strong business foundation, an extensive distribution network and our proven industry expertise, we take pride in having served a group of over 30 lakh prudent home owners, and in contributing to India’s economic development.

Building homes, nurturing relationships

Incorporated in 1989, we are one of the largest housing finance companies in India with a 35-year legacy, experience and expertise. We are at the forefront in assisting millions to realise their dream of home ownership.

Our Passion and Commitment

To provide long-term finance to individuals.

Understanding hopes and emotions of customers

Our key objective is to provide:

  • Long-term finance to individuals for purchase or construction of house or flat for residential purpose
  • Finance on existing property for business or personal needs
  • Finance to builders and developers engaged in construction of houses or flats for residential purpose
  • Loans to professionals for purchase or construction of clinics, nursing homes, diagnostic centres, or office space and for purchase of equipment

An Extensive Distribution Network

We have one of the widest networks of 310 Marketing Offices across the country and Representative Office in Dubai. We also distribute our products through the branches of our subsidiary LIC HFL Financial Services Limited.

OUR VISION

To be the best Housing Finance Company in India.

OUR MISSION

To provide secured housing finance at affordable cost, maximising shareholder value with higher customer sensitivity.

OUR VALUES
  • Fair and transparent business practices
  • Transformation to a knowledge organisation
  • Higher autonomy in operations
  • Instilling a sense of ownership amongst employees

Best-in-Class Credit Rating

The Company has received the highest rating from CRISIL and CARE, indicating the highest safety for our ability to repay the principal amount and service the interest.

Easing home ownership with extensive distribution network

Wide spread of 310 marketing offices, Representative Office in Dubai.

Loan Book Composition

Customer Break-Up

Break-Up of Offices

43%84 Offices

in Top 8 Cities

57%226 Offices

in Other Cities

Delivering Synergistic Strengths. Driving Inclusive Growth.

End-to-end digitalisation

Focussed on tech adoption by fine-tuning robust systems and procedures to enable outreach and higher business volumes

Sustained asset quality

Reputed for having the best asset quality and better asset liability mix in India’s housing finance space

Driving efficiency

Maintained high collection efficiency and significant recoveries by controlling delinquencies

Stable profit growth

Recorded all-time high disbursement and contributed better to business; at the cusp of long-term secular growth due to revival in residential real estate, favourable macros and improved profitability

Enhancing reach

An expansive reach to address the home loan needs of prospective borrowers; Introduced Cluster-driven Hub-and-Spoke Model for faster TAT in loan disbursements; To open new Marketing Offices