Aadhar Housing Finance Ltd


adhar Housing Finance Ltd (Aadhar) or AHFL is one of the largest affordable housing finance companies in India servicing the home financing needs of the low income sections of the society. Aadhar endeavours to empower underserved millions to own their first homes.

AHFL was incorporated in 2010 and later amalgamated with DHFL Vysya w.e.f 20th November, 2017 and subsequently name changed to Aadhar Housing Finance Limited.

BCP TOPCO VII PTE. LTD. (a Blackstone Group Company) is the holding company of Aadhar Housing Finance Ltd. Now, AHFL provide financing solutions to all segments of customers whose monthly income is between INR 5000 (USD 76) to INR 50000 (USD 765) and above. Having 294 domestic branches in 20 states and Union Territories; 4000 employees; 161000 existing happy customers and holding Rupees.11432 Cr as assets under management (as of August 2020).






"To enable home ownership for every Indian across the nation."





In 2010








Directors (As of August 2020)

Shri O.P. Bhatt.

Independent Director & Non- Executive Chairman of the Board.


Dr. Nivedita Haran.

Independent Director.


Shri Amit Dixit.

Non-Executive Director (Nominee).


Shri Mukesh Mehta.

Non-Executive Director (Nominee).


Shri Neeraj Mohan.

Non-Executive Director (Nominee).

Shri Deo Shankar Tripathi.

Managing Director & Chief Executive Officer.


Team Management (As of August 2020)


1) Shri Rishi Anand.

Chief Business Officer.


2) Shri Rajesh Viswanathan.

Chief Financial Officer.


3) Shri Ravinder Beniwal.

Chief Operating Officer.


4) Shri Hrishikesh Jha.

Chief People Officer.


5) Shri Anmol Gupta.

Chief Treasury Officer.













CIN: U66010KA1990PLC011409

Aadhar Housing Finance Ltd.
201, Raheja Point -1, Nr. Shamrao Vitthal Bank,
Nehru Road, Vakola, Santacruz (E), Mumbai -400055
Tel: 022-3950 9900 Fax: 022-3950 9934




Registered Office :


2nd Floor, No. 3, JVT Towers,
8th A Main Road, Sampangi Rama Nagar,
Hudson Circle, Bengaluru,
Karnataka, India- 560027.




Branch Locations


Corporate Office, Andhra Pradesh, Bihar, Chhattisgarh, Delhi, Gujarat, Haryana, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Puducherry, Punjab, Rajasthan, Tamil Nadu, Telangana, Uttar Pradesh, Uttarakhand and West Bengal etc.



Customer Contacts



  For New Home Loan Enquiry

Give a missed call

88888 99953




  For Existing Customers (Customer Service)


1800 3004 2020




Product or Services


Home loan for salaried employees: This loan is aimed at salaried employees earning more than Rs.5,000 per month. The maximum loan amount that can be availed is Rs.1 crore but not more than 80% of the property value. The maximum loan tenure is 30 years.


Home loan for self-employed: This plan is specifically designed for self-employed individuals who otherwise may not be eligible for home loans due to the irregularity in income. To avail this loan, the applicant must be less than 70 years of age and in the same life of business for at least 3 years. The individual must also be able to pay at least 20% of the sum required.


Loan for plot purchase and/or construction: This loan is made for individuals who want to purchase a land, build a home or do both. A loan of up to Rs.1 crore can be availed but the amount should not be more than 70% of the property value for plot loans and less than 80% of the property value for plot + construction loan. Additionally, the home should be constructed within the time period stipulated by NHB.


Home improvement loan: Home improvement or renovation can be a costly affair, Aadhar Housing Finance’s home improvement loan covers these expenses. Individuals can claim a loan of up to Rs.1 crore but not more than 100% of the estimated expenses of renovation certified by chartered engineer or 100% of expenses certified by the lender’s technical officer, whichever is lower. The loan amount is subject to a maximum of 80% of the overall market value of the property. The loan can be availed for purposes like flooring, plumbing, electrical work, plastering, etc. The maximum tenure for this loan is 20 years.


Home extension loan: Aadhar Housing Finance’s home extension loans are made for individuals who want to build an additional room or an additional floor within their existing residential property. A maximum loan of Rs.1 crore can be availed subject to 80% of the market value of the property whichever is lower. The loan amount is subject to a maximum of 80% of the overall market value of the property. The loan amount cannot be more than 100% of the costs estimated by a chartered engineer or the lender’s technical officer. The maximum loan tenure is 20 years.


Loan against Residential/Commercial property :

You can avail of an Aadhar Mortgage Loan upto Rs.10,00,000 for salaried employees and Rs.1,00,00,000 for self-employed. The maximum loan tenure on your loan against residential property is 15 years and commercial property is 10 years.


Balance Transfer and Top Up :

Have you already taken a Home Loan from some other bank or NBFC, now you want to transfer that loan to Aadhar to avail the benefits of Aadhar's competitive interest rates?




You want a top up amount from Aadhar on your existing Home Loan taken from elsewhere?

Aadhar makes it possible with its Balance Transfer and Top Up Loan facilities.



Loan For Purchase/Construction Of Non-Residential Property :

Purchase of ready possession / under construction or construction of commercial property within Municipality limits of the city and approved for commercial usage by civic authority.

Min Loan: Rs. 2 lacs | Max Loan: Rs. 1 Cr | Max Tenure: 10 Years


75% of sale deed or 50% of market value whichever is Lower.



Pradhan Mantri Awas Yojana :

Get 6.5% interest subsidy (up to ₹ 2.67 lakhs) directly in your loan account which will substantially bring down your EMI.


Covid19 Warriors Griha Loan :


Covid19 Warriors Griha Loan scheme dedicated to the requirements of those who are on the frontline of the country’s battle against the COVID-19 pandemic can now look forward to own a home with ‘Covid19 Warriors Griha Loan’ at a lower rate of interest. As an additional benefit, complimentary health insurance is also available (including Covid related expenses).

Key Benefits of Covid19 Warriors Griha Loan:

·                     Lower rate of interest, starting from 10.25%

·                     Loans for borrowers with lower credit score too

·                     Complimentary health insurance (including Covid related expenses)

·                     Convenient service at your doorstep

·                     Faster turnaround time for processing the application

·                     Minimum personal contact and paperwork




Who can apply for Griha Loan?

1. Salaried :

·                     Employees of Municipal Corporations

·                     Employees of companies involved in medical facilities - Hospitals, Pathology labs, Pharma companies, medical equipment manufacturers and chemist stores

·                     Employees of police departments and armed forces

·                     Employees of private security service providers

·                     Employees of centre and state transport providers – rail/bus

·                     Employees of other financial institutions – banks, NBFC, HFCs.

·                     Government salaried employees

2. Self Employed (essential goods provider) :

·                     Provision and general store owners – retail and wholesale

·                     Engaged in medical activities – retail and wholesale

·                     Vegetable & Fruit vendors – retail and wholesale

·                     Milk suppliers – retail and wholesale



The scheme is valid for Covid frontline warriors until 30th September 2020.


Documents Required for Aadhar Housing Finance Home Loans:

For Salaried Individuals

For Self-employed Individuals

Features & Benefits


--The loan can be applied for individually or jointly.



--Applicants can avail subsidy for home loans under Pradhan Mantri Awas Yojna.



--Customers can choose loan tenures up to 30 years.



--The loans can be availed by private employees, 3rd and 4th grade government employees, teachers, and police employees among other.



--Monthly salary of at least Rs.5,000 is mandatory to avail home loans from Aadhar Housing Finance.



Apply for Loan….here


Home Page


Become a Partner


You can create a lucrative income source by joining as an Authorised Aadhar Sourcing Partner (Channel Partner or Aadhar Mitra) in the network of :-

294 Branches, Customer Base: 1,61,000, Core Products: Home Loan, Loan Against Property.

For more Information…



Career & Opportunities:


At AHFL, every employee get a nurturing, entrepreneurial, empowering and caring environment. AHFL culture inspires excellence and gives all employees the freedom to take the initiative and to experiment with Rewards and Recognition.

For more Information…

Apply for a Job…


Complaints or Reviews

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