Our Aim

We are a housing finance company working to enable millions of Indians to fulfill their dreams of owning a bigger, better and a new home.

Our business is built on a strong foundation of people and technology who use data science and analytics to deliver world-class and affordable products and franchise for our customers. The core engine driving this balanced approach to our business is the risk management led framework at its heart.

As of march'23, we have financially included over 66000 customers having a monthly income of USD 600, most of whom who don’t have formal access to credit from financial institutions in India due to lack of documented income.

Our award-winning proprietary technology platform PULSE, has been the game changer in helping our customers to estimate and demonstrate their undocumented income to avail credit solutions from us. PULSE has enabled a completely paperless digital experience for our customers which has helped in faster turnarounds to service them better.

Vastu Housing Finance About Us
VHFC About Us

Leading Digital-first lender

Tech-enabled and analytics-driven approach built on an award-winning robust proprietary core. Advanced technology platforms for sourcing, underwriting and risk management allowing us to lend to a greater base of customers securely and with ease.

The Vastu Journey

  1. Company started operations under new management with presence in 5 locations
    Equity infusion of INR 567 Mn
    First loan disbursed on 15th of December
  2. Equity infusion of INR 610 Mn
    Added 1000+ customers and loan book crossed over 1000Mn
    Expanded operations to 18 locations
  3. Equity infusion of INR 2.25 Bn
    Company reported profits
    Operations expanded to 24 locations
    Rated BBB+
  4. A wholly owned subsidiary Vastu Finserve is incorporated
    Company added 10,000+ customers
    The loan book has crossed INR 10 bn
    Company expanded to 37 branches 12 states
    Company crossed employee count of 500
    Rating upgraded to A-
  5. Equity infusion of INR 3.6 Bn
    Company expanded to 44 branches
    Company reported a PAT of INR 377 Mn
    Rating upgraded to A (Stable)
  6. Reached an AUM of INR 20 Bn
    Expanded to 63 branches
    Reported a PAT of INR 922 Mn
    20,000+ loan accounts disbursed
    Entered into co-lending partnership
    Rating upgraded to A+(stable)
  7. Equity infusion of INR 9.25 Bn
    Reported a PAT of INR 1 Bn
    25,000+ loan accounts disbursed
    Short term rating assigned at A1+
    Company expanded to 75 branches
  8. Consolidated AUM crosses INR 35 Bn
    Crossed 100+ branches in HFC
    Crossed INR 50 Bn cumulative disbursement
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