What we do India Home Loans Ltd is a housing finance company specializing in affordable retail home loans, including purchase, construction, and improvement of homes. |
Founded in 1,990 |
Market share Focused on affordable housing segment with a growing AUM of Rs 49.61 crore as of FY 2025. |
Problem solved Provides accessible home financing solutions to low-risk salaried and self-employed individuals in the affordable housing sector. |
Top clients or who we serve Retail customers primarily salaried and self-employed professionals; also offers loans against property and developer financing. |
Key management Mahesh N. Pujara (Managing Director), Mitesh M. Pujara (Whole-time Director), Maulesh Popat (CFO), Akash Das (Company Secretary). |
Our journey and innovations Founded in 1990; rebranded in 2009; started full operations in 2018; launched affordable housing loans in FY22 with a prudent developer financing model. |
Where we operate India, primarily Maharashtra with focus on affordable housing finance segment. |
Top products or what we offer Home loans, loans against property, and developer financing primarily targeting affordable housing. |
Top brands India Home Loans branded affordable housing loans and developer financing products. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue mainly from interest on housing loans, indicating recurring income. |
Our industry position Growing player in affordable housing finance with above regulatory capital adequacy and low NPAs. |
Financial highlights FY 2025 Revenue: Rs 13.6 crore; Profit after tax: Rs 0.27 crore; AUM: Rs 49.61 crore; CRAR: 75.92%. |
Geographical revenue split Revenue primarily from Indian affordable housing finance market. |
Order book - |
Whats driving growth Demand for affordable housing loans, prudent risk management, and expansion of retail lending portfolio. |
Our future plans Implementation of NBFC-specific ERP for operational efficiency and expanding affordable housing finance products. |
Our green promise - |
Our people and values Lean management team focused on compliance, risk management, and customer service excellence. |
Key challenges ahead Maintaining asset quality, finalizing ERP implementation, and improving credit ratings. |
Interesting facts Maintains CAR well above regulatory limits with a strong focus on low-risk lending segments. |
Risks and strategy Credit risk mitigated by focusing on salaried professionals; evolving regulatory compliance and operational risk managed via policies. |
