What we do Sahara Housingfina Corporation Ltd provides housing finance, offering loans for purchase, construction, and renovation of residential properties across India. |
Founded in 1,991 |
Market share A regional player in housing finance with a growing presence in East, North, South, and West India. |
Problem solved Offers affordable home loan solutions for individuals including self-employed and underserved urban poor segments. |
Top clients or who we serve Primarily individual homebuyers and families; serves urban and self-employed customers (B2C). |
Key management - |
Our journey and innovations Founded in 1991, became Sahara entity in 2005, expanded retail lending since 2004, adopting custom loan products for diverse borrowers. |
Where we operate India with branches in Kolkata, Lucknow, Hyderabad, Mumbai, Pune, and other cities. |
Top products or what we offer Home loans for purchase, construction, extension, repairs, tailored schemes for Sahara City Homes allottees. |
Top brands Sahara Housingfina home loan schemes; no specific product brands. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue mainly from recurring interest income on housing loans. |
Our industry position Niche housing finance company regulated by NHB and RBI, maintaining steady assets under management. |
Financial highlights FY 2024-25 revenue Rs 8.62 Cr, net profit Rs 0.65 Cr, total assets under management approx. Rs 68 Cr. |
Geographical revenue split Revenue primarily from Indian operations across four main regions. |
Order book - |
Whats driving growth Growth driven by new home loan disbursements, customer-centric loan products, and expanded branch network. |
Our future plans Upgrading technology systems for enhanced operational efficiency and expanding loan offerings. |
Our green promise Promotes electronic reporting and communications to reduce paper use. |
Our people and values Employee base of 28, focused on inclusive, positive, and merit-based work culture. |
Key challenges ahead Managing asset quality, maintaining capital adequacy, and regulatory compliance amid competitive pressures. |
Interesting facts First lending to underserved sectors like self-employed and urban poor with innovative appraisal methods. |
Risks and strategy Focus on prudent underwriting, internal controls, ALCO monitoring liquidity and interest rate risk management. |
