Aadhar housing finance ltd (Aadhar),formerly known as DHFL Vysya Housing Finance Ltd, is one of the largest affordable housing Finance needs of the low income sections of the society. Aadhar endeavours to empower undeserved millions to own their first homes. Established in 2010,it has served more than 100,000 customers through 270 branches across the nation. Formed with the merger of DHFL Vysya and Aadhar Housing Finance, Aadhar is one of the few players in the industry with a pan-India presence. Today, the scheme provides financing solutions to all segments of customers whose monthly income is between INR 5000 (USD 76) to INR 50000 (USD 765) and above.

Aadhar is a subsidiary of Wadhawan Global Capital (WGC) with equity participation from DHFL and International Finance

Corporation(subsidiary of the World Bank).The scheme focuses on the empathy, trust and provides transparency-led customer service. Their customer-centric approach has helped them to build a loan book of about a billion rupees. Today, the branches across 19 states has helped them to reach more than 90% of the country’s population and provide credit solutions that make homeownership accessible to everyone. Aadhar, facilitates financial inclusion by enabling wider access to housing finance, ethically and responsibly. The financing process is simple, transparent and speedy. Committed to the highest standards of ethical behavior and professionalism, Aadhar is empowering India to gain enhanced financial capabilities. Aadhar is committed to serve home buyers from the low income group, by empowering this segment with the security of home, it helps to create a truly inclusive India.


  • VISION-“To enable home ownership for every Indian across the nation”.


  • To focus on low Income segment.
  • To provide valuable financial services at affordable rates.
  • To expand network to every corner of the nation and widen the net of financial and economic inclusion.
  • To go one step beyond in serving customers, providing a sense of security and creating customer delight.
  • To speak the language of respect, dignity and courtesy.

Aadhar Housing Finance (AHFL) is planning to raise up to Rs 1,400 crore through non-convertible debentures(NCDs),maturing in three, five and 10 years. The base size of the issue is Rs 500 crore, with an option to retain over subscription up to Rs 900 crore. The company is offering an annual coupon of 9.60%, 9.65% and 9.75% respectively. The issue will open on 14 September and close on 28 September. The deposit taking housing finance company has an approval to raise up to Rs 3000 crore through bonds, and this is the first tranche. Out of the company’s total borrowing portfolio,68% is from banks and the balance consists of bonds, refinance from the National Housing Bank, fixed deposits and commercial papers. The average ticket size and incremental ticket size for housing loans is Rs 8.22 lakh and Rs 8.99 lakh, respectively. It has a presence in 20 states, with 272 branches.

World Bank backed Aadhar Housing Finance expects its loan portfolio to grow around 65 per cent this fiscal as the government is giving a strong push to affordable housing. People like street vendors, small shop owners, plumbers, electricians and others like them are important for the economy and want to have a decent way of living. The government’s subsidy scheme for affordable housing is helpful for them to avail small ticket loans of up to Rs 8 lakh. AHFL’s MD and CEO Deo Shankar Tripathi said ,’They are the individuals who need to have a decent way of living, their repaying capacity has improved.

“We grew by 65 per cent in terms of disbursements and 50 per cent in terms of loan book and 103 per cent in terms of profit last fiscal. This year also, we target to grow by 65 per cent in disbursement and 50 per cent by loan book”, Tripathi added.

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