List of Housing Finance Companies in India

A housing finance company is a lending institution that offers home loans and other housing loans to individuals. Their lending approach and services are different from those of a bank and NBFC. An HFC caters for a wide range of borrowers with different credit profiles.

Housing Finance Companies are regulated by the Reserve Bank of India. The RBI is responsible for the registration of HFCs, their licensing, framing governance norms, supervising their operations and making regulations to maintain financial stability.

Initially, HFCs were regulated by the National Housing Bank. However, it continues to work as the principal financial institution for housing finance, but is no longer the primary regulator of HFCs.

Permitted to Accept Public Deposits

Not Eligible for Accepting Public Deposits

Rates as of 4th August 2026

Aditya Birla Housing Finance

Aditya Birla Finance Limited offers home loans to applicants for buying, constructing, renovating and extending a house property. The lender also extends the balance transfer facility to existing home loan borrowers of other banks/HFCs. The HFC also offers a special affordable housing loan scheme, ABHFL Affordable Housing Loan, in select cities of India.

GIC Housing Finance

Home loans offered by GIC Housing Finance Limited can be availed to purchase, construct, renovate and extend a house property. The HFC also provides affordable housing loans to cater to the home financing needs of low-income groups.

Godrej Housing Finance

Godrej Housing Finance (GHF) offers home loans for new purchase, construction, renovation and extension of a house property. The lender also offers ‘EMI Break’ for repayment convenience and ‘Parallel Funding’ to make home loans more affordable through staggered down payments. There are also ‘Design your EMI’ with ‘Flexible Payment Plan’ features that Godrej Housing Finance offers to those availing home loans for under-construction properties.

ICICI Home Finance

ICICI Home Finance Company Limited offers home loans and affordable home loan schemes to salaried and self-employed applicants with or without formal income proofs. The lender also offers balance transfer and top up facilities to existing home loan borrowers of other banks/HFCs.

LIC Housing Finance

LIC Housing Finance, an associate company of Life Insurance Corporation of India, offers multiple home loan schemes along with balance transfer and top-up facilities. The lender also extends a special home loan scheme Griha Vashishtha to meet varied home financing needs of pensioners.

Piramal Capital & Housing Finance

Piramal Capital & Housing Finance Limited (PCHFL) offers regular home loan along with other special home loan products featuring benefits such as EMI waivers, lower EMIs for first 5 years of the loan tenure and higher EMIs during the initial loan tenure and balance transfer facility. The lender also offers a special home loan scheme, Gruh Setu, which is aimed at applicants that receive their salaries in cash and/or have lower loan eligibility.

PNB Housing Finance

PNB Housing Finance, an associate company of Punjab National Bank (PNB), offers regular home loans for new purchase, construction, renovation and extension of a house property. The lender also offers an affordable housing loan scheme, Roshni Home Loan, designed specifically for applicants having low income but adequate home loan repayment capacity with or without formal income proofs.

Sammaan Capital .

Sammaan Capital Limited (Formerly known as Indiabulls Housing Finance Limited) offers a regular home loan scheme to its applicants. The lender also extends a rural home loan scheme to the residents of both rural as well as semi-urban areas. Like other lenders, the Housing Finance Company also offers home loan balance transfer facility to existing borrowers of other banks and HFCs to transfer their home loans at lower interest rates.

Tata Capital Housing Finance

Tata Capital Housing Finance Limited offers home loans to both salaried and self-employed individuals. The lender additionally has a few special home loan schemes for government employees, self-employed individuals and women applicants. The lender also offers a special affordable housing loan scheme for low- and middle-income households.

To choose the right housing finance company, one must follow the below-mentioned criteria:

Below-mentioned are the documents required during loan application for a housing finance company:

You can verify if a housing finance company is legitimate in the following ways: