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About Us

Shriram Housing Finance Limited

Shriram Housing Finance Limited (SHFL) is a housing finance organisation registered with the National Housing Bank (NHB). We are a part of the Shriram Group, with a rich legacy of almost five decades.  As a conglomerate, the foundation of Shriram Group was laid by industry veterans Ramamurthy Thyagarajan, AVS Raja and T. Jayaraman. Starting as a chit fund business, the group achieved massive success and diversified into many verticals like Commercial Vehicle Financing, Consumer and Enterprise Finance, Retail Stock Broking and Distribution of investment and insurance products.

On 4th August, 2011, the company received its Certificate of Registration from National Housing Bank (NHB) as required under Section 29A of the National Housing Bank Act, 1987. The primary operation of the Company is providing loans for the purchase or construction of residential space and loans against property.

It brings us pride while sharing that Shriram Housing Finance Limited (SHFL) has forever stayed loyal to its mission of helping people own their dream home. The smiles on the faces of our customers are our biggest achievement, and we consider our clients as a part of our family.

Our Vision

Housing for All

Implementing the National Vision of ‘Housing for All’ in our ‘Shriram’ way by reaching out to all section of the population with innovative home loan schemes.

Our Mission

Finding Ways to Funding Homes

To serve the under-served population of the country in fulfilling their aspiration of owning a dream home by 'Finding Ways to Funding Homes'.

Our Values


We always try to do the right thing. We hold ourselves to the highest personal standards of honesty and transparency. We operate within the letter and spirit of the law.


We respect our colleagues and customers, and embrace diversity of background and views. We have confidence in each other’s capabilities and intentions. We are meritocratic, fair, supportive and believe in equal opportunity.


We deliver on our goals, demonstrating a profit and cost conscious approach and a ‘can do’ attitude. We focus on improving continuously and setting new benchmarks.


We are alert to change and move fast, with flexibility and decisiveness. We believe in taking initiative and encourage decision making. We give responsibility and demand accountability.


We are compassionate while building productive, long-term relationships with customers, employees and all stakeholders. We take pride in the quality of our human capital and accord great priority to the retention, growth, development and well-being of our human talent.

Our Leadership

  • Board of Directors
  • Senior Management
  • Ravi Subramanian
    Managing Director & CEO

    Ravi moved in as MD & CEO of Shriram Housing in Nov 2018. He has an experience of over two decades in the banking and financial services sector across organizations like HSBC, Citibank & ANZ Grindlays. He has successfully led independent businesses with complete P&L accountability for over a decade, and has served in senior management positions for diverse functions ranging from business process, reengineering to heading businesses.

    He joined the Shriram Group in the year 2010 as an Executive Director in Shriram City and has since then been involved in building and growing the SME lending business before moving into the current role.

    Ravi holds a Management degree from IIM – Bangalore.

  • Yalamati Srinivasa Chakravarti

    Y.S. Chakravarti is a Non-Executive, Non-Independent Director on the Board of SHFL. He holds a Bachelor’s degree in Commerce and is an astute retail finance professional with proven business skills and leadership ability. He has worked in various assignments in the field of financial services for over the last 25+ years. While being the MD & CEO of Shriram City Union Finance Ltd., he also serves the Boards of Shriram Chits Pvt. Ltd. and Shriram Chits (Maharashtra) Ltd.

  • Venkataraman Murali
    Independent Director

    Venkataraman Murali is a Non-Executive, Independent Director on the Board. He holds degree of Bachelor’s of Commerce, from Vivekananda College, Chennai. He is a fellow member of the Institute of Chartered Accountants of India and an associate member of the Institute of Cost and Works Accountants of India and has to his credit more than three decades of experience in the relevant fields. He has been elected as Central Council Member of the Institute of Chartered Accountants of India for four terms in succession for the periods from 2004-2016 and secured a sixth consecutive record win in ICAI elections from the Southern Region. He has been on the Board since July 2013.

  • Lakshminarayanan Priyadarshini
    Independent Director

    Priyadarshini is a Non- Executive, Independent Director on the Board of SHFL. She holds a Post Graduate Diploma in Business Management (Marketing & Finance) and has a B.A. Honours (Economics) degree from Delhi University. In a career spanning over two decades she has a diverse work experience with local and global players such as HSBC, ABN AMRO, ICICI Bank, Reliance Industries, GE India, IFCI and ONICRA.

    She has a wide experience in a variety of leadership roles in Business Development, Corporate & Retail sales, Corporate Banking and Key Account Management Business Strategy. She has been on the Board since October 2018.

  • GS Agarwal
    Chief Financial Officer

    G.S. Agarwal is a dynamic professional with over 26 years of experience in Fund Mobilisation, Treasury Management, Planning & Strategy, Budgeting, Accounts, Compliance, MIS and Operations. He has worked in various areas in conceptualizing & executing financial procedures with Working Capital Management, Profit Monitoring and building Internal Financial Controls. His last role was with Magma Group as Group Treasury Head where he was responsible for Treasury Function for entire group along with additional role of CFO for Magma Housing Finance. He is a rank holder Chartered Accountant and enjoys excellent relationship with various Banks and Financial Institutions along with debt Capital market.

  • Nagendra Singh
    President & Business Head-Mortgages

    Nagendra comes with close to 24 years work experience, 16 of which have been with Citigroup & HSBC in consumer banking. In his career he has held varied Sales leadership positions across consumer finance, unsecured lending (Cards & Personal Loans), Debt Management, Acquisition, Mortgages, Insurance, Liability & Customer Service.

    Nagendra joined Shriram City Union Finance Ltd. In Oct 2017, where he served as the Business Head of Unsecured Loans and Corporate Loans, before moving into this new role at Shriram Housing in Nov 2018. He holds an MBA degree from Symbiosis University Pune.

  • Shivram Jagadeswaran
    Chief Risk Officer

    Shivram is a seasoned professional having a rich and diversified experience of more than 22 years in managing Credit and Risk function across various product lines. His last assignment was with Reliance Commercial Finance Ltd. As Head- Policy and Risk for SME products. Prior to Reliance Commercial Finance, he was associated with Muthoot Housing Finance and Bajaj Finance where he was managing Credit and Risk function for various products viz Housing, Mortgages and Construction Equipment. Shivram is a Commerce graduate and has done his MMS in Finance from K. J. Somaiya Institute of Management Studies & Research, Mumbai. He has been associated with Shriram Housing Finance Ltd. since May 2019.

  • Easwaran Krishnan
    Head – Human Resources

    Easwaran is a senior Human Resource professional, with around 25 years of global HR experience spanning across countries and over industry verticals such as Banking & Financial Services, IT, ITES. Retail, Logistics & Services sectors, Easwaran has earlier worked in senior roles with reputed organizations such as Barclays Bank (in India & Mauritius), Development Credit Bank, Bank Muscat International (Bahrain), Azizi Bank (Afghanistan), VFS Global Services, Capita plc etc. He holds a Master’s degree from Symbiosis University Pune and has been associated with Shriram Housing Finance Ltd. since March 2019.

  • Umesh Waghade
    Business Head - Construction Finance & Structured Lending

    Umesh is a seasoned professional in Real Estate financing. He has over 20 years of experience in various business roles like Origination, Relationship Management, Credit Due Diligence, Portfolio Management and Risk Management. His professional expertise spans across product lines-Real Estate finance, Structured Finance, SME, Mid Corporate Banking and Retail Mortgages. His last assignment was with InCred Financial Services Ltd., where he served as the Director and Business Head (Real Estate Finance). His past experiences have been across ICICI Bank, Standard Chartered Bank and TATA Capital. Umesh holds an MMS & MBA from Mumbai University and has been associated with Shriram Housing since June 2019.

  • Satinder Singh Sidhu
    Head – Collections

    Satinder brings with him more than 21 years of experience in Sales & Collections. He has previously been associated with reputed organizations like Reliance ADAG, India Infoline Housing Finance Ltd. & Citigroup. In his last assignment with Reliance Commercial Finance as Head Collections - Retail, he played a significant role in building a strong collection vertical managing both consumer & corporate loan book. Satinder is a Postgraduate by qualification and has been associated with Shriram Housing since April 2019.

  • W. Christopher Robin
    Head - Audit & Compliance

    Christopher comes with a unique experience of working with a Regulatory Body and with leading Public Sector Bank. In a career spanning more than 24 years, he has worked for more than 13 years with National Housing Bank and has indepth domain knowledge in Regulation and Supervision of Housing Finance Companies, Project Finance, Housing Micro Finance and in retail banking. He joined Shriram Housing Finance Ltd. in April 2015 and has since then been heading the Audit and Compliance Department. Christopher is goldmedalist in MSW (Personnel Management) from Loyola College, Chennai and also holds a MBA degree in Finance and is a Certified Associate of Indian Institute of Bankers (CAIIB).

  • Amit Bhatia
    Head - Marketing & Customer Service – Group

    Amit comes with an extensive experience of 17+ years in various capacities across BFSI industry. He has worked across both B2B & B2C domains and has spent considerable time in Sales, Business Development and Strategy functions across companies like Citigroup & GE capital. He joined the group in Jan 2018 as Sales Head for Personal Loans for Shriram City Union Finance Ltd. (SCUF). Prior to Joining SCUF, he was associated with Tata Teleservices as P&L Head for Mumbai region. He currently manages the Marketing & Customer Service functions for SHFL. Amit has extensive exposure to analytics driven strategies in consumer finance business and by virtue of it, he also oversees a few Strategic Projects for the parent company – SCUF. Amit holds a Management degree from the Indian Institute of Management, Lucknow.

About Shriram Group

Shriram Group is a conglomerate with over 45 years of experience and expertise founded by industry veterans Ramamurthy Thyagarajan, AVS Raja and T. Jayaraman. Started in April 1974, the company is headquartered in Chennai, Tamil Nadu, India. Shriram Group is among the pioneers in financing business.

The group begun as a chit fund business, but later achieved tall success and diversified into many more businesses like:

  • Commercial Vehicle Financing
  • Consumer and Enterprise Finance
  • Retail stock Broking
  • Distribution of investment and insurance products

Our group has demonstrated corporate governance of the highest standard. We are a professionally run and board governed company.