An emotion called home. It evokes a sense of comfort and belonging. It is an extension of one who lives in. A home is a place where memories are created. It the most beautiful four walls made of brick and beams.
Owning a home is a dream that millions of Indians aspire for each day. It is one of the biggest milestones that people spend their lives wishing for. And we at IIFL Home Finance Limited, help turn these dreams into reality. We make the aspirations of our customers tangible through our affordable home loans.
We help the economically weaker sections and the underserved segments of the society through accessible loan offerings, ensuring a secure future. Our aim is to nurture and promote sustainable living for our customers. Our endeavour is to promise a better life with access to better health and hygiene. As one of the leading fintech housing finance companies in the country, we are well placed with end-to-end digitised processes, strong competencies and great customer service.
We believe in our integrated vision of creating efficiency through focused efforts in our four growth pillars i.e. employees, organisation, society and environment. With responsible, ethical and transparent business strategies, we remain committed to building sustainable value for all our stakeholders.
Incorporated in 2006 and registered in 2009 with National Housing Bank (NHB), IIFL Home Finance Limited is a wholly-owned subsidiary of IIFL Finance Limited. The Company is one of India’s leading housing finance companies and is a preferred choice for affordable home loan requirements.
The Company’s comprehensive product suite includes small ticket sized home loans, secured MSME Loans and project loans. Through accessible home loans, pan-India distribution network, efficient technology-led operations and transparent processes, IIFL Home Finance is well-placed to serve the needs of marginalised sections of the society.
With robust asset quality, ethical business approach and responsible social and environmental practices, the Company continues to deliver the best-in-class customer experience.
Our comprehensive suite of products cater to different segments in various geographical locations of India. Our tailor-made products and services transform the lives of millions of customers by nurturing their dreams of owning an affordable home.
Note: The GNPA and NNPA depicted in the graph are on POS. However, on AUM, the GNPA is 1.34% and NNPA is 1.08%
*Figures as per IGAAP | #Figures as per ind AS
As a role player in a socioeconomic ecosystem, we continue to create value that promotes positive outcomes for society, customers, planet and the organisation, by using our core strengths, prudent strategies and solid foundation.
Our robust capital base (equity, debt) to leverage long-term opportunities and support business operations.
Our extensive network of branches, touch points and state-of-the-art infrastructure to serve customers.
Our rich expertise, high-end tech-enabled platforms and efficient processes to drive product innovation and long-term sustainability.
Our competent and experienced workforce that enables us to deliver products and service responsibly with better customer experience.
Our holistic value creation across communities and transparent long-term relationships with customers, partners and other stakeholders.
Our prudent usage of natural resources and efforts to minimise impact on environment through sustainable business activities.
Growing sustainable returns on investment
PAT: ₹ 2,449 million
We emerged stronger with our robust business model, tech-enabled processes, a differentiated portfolio and talented workforce. Through our responsible growth strategy, we continuously created opportunities for the underserved customers by fulfilling their dreams and nurturing them every step of the way.
As a fintech housing finance player, we are dedicated to make our customers’ journey of owning a home as seamless as possible. Our future-ready technology system helped us continue the business activities smoothly even during the pandemic. With advanced analytical tools and automation, we have made credit underwriting, appraisal and collection processes faster and accurate.