Housing Finance Company (HFC)

Housing Finance Company (HFC):- The apex body for finance and banking sector is Reserve bank of India (RBI). RBI is the regulator for banks as well as Financial Institutions in India. There are two main Financial Institutions in India i.e. Non Banking Financial Companies (NBFC) & Development Financial Institutions (DFI). Further we can categorise DFI in two heads these are Housing & Urban Development Corporations (HUDCO) and National Housing Bank (NHB). NHB is a DFI and was created by RBI to regulate housing finance business in India. The companies which come under the specific regulations of NHB are called Housing Finance Companies in India. NHB also offer different schemes of deposits to public. HFC can accept public deposit after getting certificate of registration (COR) and written permission under section 29A of NHB Act 1987. At present (as on 07.03.2016) there are 12 companies which are eligible to accept public deposit. List of HFC mentioned below:-


Sl. No. Name of the HFC Registered Office Address
1 Can Fin Homes Limited No. 29/1, 1st Floor, Sir M.N. Krishna Rao Road, Basavangudi, Bangalore-560 004. KARNATAKA.
2 Cent Bank Home Finance Limited 9-Arera Hills,Mother Teresa Road, Bhopal-462 011.
3 Dewan Housing Finance Corporation Ltd. Warden House (2nd Floor), Sir P.M. Road, Fort, Mumbai – 400023. MAHARASHTRA.
4 DHFL Vysya Housing Finance Ltd. S-401, 4th Floor, Brigade Plaza, Anand Circle, Banglore – 560 011,
5 GRUH Finance Ltd. “GRUH”, Netaji Marg, Nr. Mithakhali Six Road, Ellisbridge, Ahmedabad-380 006. GUJARAT.
6 Housing and Urban Development Corporation Ltd. HUDCO Bhawan, India Habitat Centre, Lodhi Road, New Delhi-110 003.
7 Housing Development Finance Corporation Ltd. Ramon House, H.T. Parekh Marg, 169-Backbay Reclamation, Church Gate, Mumbai-400 020. MAHARASHTRA.
8 ICICI Home Finance Company Ltd. ICICI Bank Towers, Bandra Kurla Complex, Mumbai-400 051.
9 LIC Housing Finance Ltd. Bombay Life Building, 45/47-Veer Nariman Road, Mumbai-400 001. MAHARASHTRA.
10 Manipal Housing Finance Syndicate Ltd. “Manipal House”, Manipal-576 119. Udupi District.
11 PNB Housing Finance Ltd. Antriksh Bhawan-9th Floor, 22-Kasturba Gandhi Marg, New Delhi-110 001.
12 Sundaram BNP Paribas Home Finance Ltd. 21-Patullos Road, Chennai-600 002.


Aside above 12 companies there are further 6 HFC where certificate of Registrations (COR) already issued by NHB but these HFC’s required to obtain written permission to accept public deposit under section 29A of NHB act 1987. These companies are:-


Sl. No. Name of the HFC Registered Office Address
1 GIC Housing Finance Ltd. Universal Insurance Building (3rd Floor), Sir PM Road, Fort, Mumbai-400 001. MAHARASHTRA.
2 Ind Bank Housing Ltd 66-Rajaji Salai, Chennai-600 001.
3 L&T Housing Finance Limited Unit No.505 & 506, DLF Tower ‘B’, District Centre, Jasola, New Delhi – 110 025
(Formerly Indo Pacific Housing Finance Limited , AIG Home Finance India Limited and originally incorporated as Weizmann Homes Limited)
4 National Trust Housing Finance Ltd. Ground Floor, Subramanian Building, No.1/1B, Club House Road,
Chennai, TAMIL NADU.
5 REPCO Home Finance Ltd. “Repco Tower”, 33-North Usman Road, T. Nagar, Chennai-600 017.
6 Saral Home Finance Limited Office No.117, 209, Masjid Moth, South Ex Plaza II, South Extn Part II,
New Delhi – 49.



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