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.

We have financially included over 1 lakh customers having a monthly Income of USD 600, most of whom don’t have formal access to credit from financial institutions in India due to lack of documents 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.

Our Vision

Build a large, respected institutional long-term mortgage-led retail lending company that caters to the unique requirements of self-employed Indians, who are typically credit underserved.

We will continue to expand our franchise by focusing on the large, underserved affordable housing finance opportunity and its adjacencies in India, thereby creating a lasting positive impact in the communities we serve.

As trusted partners on the path to homeownership, we offer unwavering support and guidance at every step, ensuring our customers’ success. Cutting-edge technology, automated processes, and predictive analytics drive our operational excellence, cost efficiency, and diligent risk management at scale.

We foster a culture of collaboration, inclusion, and empowerment, attracting and retaining top talent committed to our mission.

Financial sustainability is paramount in our pursuit of this vision. We prioritise maintaining a strong financial foundation and delivering consistent long-term returns to our capital providers.

We adhere to regulatory standards, promote fair lending practices, and champion transparency and accountability. By upholding the highest standards of integrity, we earn the trust and confidence of our customers, partners, and other stakeholders.

Our Mission

Building a large, respected, long-term institutional housing finance platform — driven by talent, technology, and governance — to create lasting impact in the communities we serve.

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

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    Crossed ₹10,000 Cr AUM Mark in the FY25.
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    Welcomed Naspers Ventures BV and TA Associates to our esteemed investor community
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    Won the UN WEP Award, recognising our inclusive business practices
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    Consolidated AUM crossed ₹9,000 crore mark with PAT at ₹361 crore
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    Robust asset quality with HFC gross stage 3 at 0.89%
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    Established Tech & Analytics Centre of Excellence (TACE) in Nashik
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    Surpassed consolidated monthly disbursement run rate of ₹300+ crore
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    Vastu Finserve turned cumulatively profitable
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    Amongst fastest in the industry to be rated AA-/Stable by ICRA and CARE
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    Consolidated AUM crosses INR 35 Bn
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    Crossed 100+ branches in HFC
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    Crossed INR 50 Bn cumulative disbursement
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    Equity infusion of INR 9.25 Bn
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    Reported a PAT of INR 1 Bn
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    25,000+ loan accounts disbursed
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    Short term rating assigned at A1+
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    Company expanded to 75 branches
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    Reached an AUM of INR 20 Bn
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    Expanded to 63 branches
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    Reported a PAT of INR 922 Mn
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    20,000+ loan accounts disbursed
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    Entered into co-lending partnership
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    Rating upgraded to A+(stable)
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    Equity infusion of INR 3.6 Bn
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    Company expanded to 44 branches
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    Company reported a PAT of INR 377 Mn
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    Rating upgraded to A (Stable)
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    A wholly owned subsidiary Vastu Finserve is incorporated
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    Company added 10,000+ customers
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    The loan book has crossed INR 10 bn
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    Company expanded to 37 branches 12 states
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    Company crossed employee count of 500
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    Rating upgraded to A-
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    Equity infusion of INR 2.25 Bn
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    Company reported profits
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    Operations expanded to 24 locations
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    Rated BBB+
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    Equity infusion of INR 610 Mn
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    Added 1000+ customers and loan book crossed over 1000Mn
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    Expanded operations to 18 locations
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    Company started operations under new management with presence in 5 locations
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    Equity infusion of INR 567 Mn
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    First loan disbursed on 15th of December