with Purpose

As we make further progress in our journey towards building the SHFL 2.0, we commit ourselves to become more customer-centric, and a dynamic organisation that is respected for its performance and value-creation approach. We aim to be the gold standard among the Housing Finance companies in India.

We continue to focus on our growth strategy by leveraging our strengths and key business enablers such as our robust collection process, strong credit processing, scalable technology and digital capabilities, which will help us succeed and generate sustainable value for our customers and stakeholders.


2020-21 Highlights

About Shriram Housing Finance

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 Key Strengths

Part of the financial services conglomerate with 45+ years of experience

One of the few HFCs in India serving customers across segments and products

enabled processes
for efficient decisionmaking

Geographically widespread branch network

Strong leadership team driving quality portfolio growth

Healthy loan book with outstanding performance

Granular housing loan focused portfolio

Message from the Managing Director & CEO

We have had a great FY21, and with the capital infusion of `200 Crore by Shriram City Union Finance Limited at our disposal, we expect to ride out the second wave of the pandemic and emerge stronger in FY22.


Managing Director & CEO


Message from the CFO

Our AUM grew 70.4% YoY to `3,929 crore. Disbursements were higher at 94.7% YoY. Our strong loan books and robust collection framework and practices ensured a GNPA decline by 50 bps YoY and 21.0% drop in NPA provisioning, despite a challenging economic scenario.


Chief Financial Officer


Key Performance Indicators

Business Review

Our growth was supplemented by strong credit and collections infrastructure that ensured continuous decline in NPAs, despite macro-economic challenges. The Company had highest ever annual disbursals and AUM since inception and also achieved it with lowest ever Stage 3 Assets.


Home Loan

Offerings include

  • Purchase of Home/Flat
  • Self-Construction of Home
  • Affordable Homes (PMAY)
  • Home Improvement/Extension Loans
  • Balance Transfer of Home Loans


Portfolio Mix

Loan Against Property

Offerings include

  • Loan against Residential Property
  • Loan against Commercial Property


Portfolio Mix

Construction Finance

Offerings include

  • Financing schemes for builders


Portfolio Mix

Strategic Priorities

Evolving Product & Geographic Mix
  • Comprehensive Product Basket Catering to consumer across segments
  • Geographic presence through 82 customer offices – Started cross-sell through credit proven group customers
  • Leveraging Group strengths – Customer know-how, technology, location advantage
Strong Customer Orientation
  • Proven and Bankable name in the target segment
  • Targeting primarily first-time home buyers, and those staying in joint families
  • Ability to understand the customer cash flows in unorganised sectors
Technology at Core
  • AI Integrated Loan Origination System
  • Scorecard based Credit Decisioning
  • Digital Lead Management System for improved Turnaround
Focused Risk Management
  • Independent credit and risk vertical
  • Risk Intelligence based on consumer analytics
  • Check point controlled underwriting mechanism

Business Enablers

People at SHFL


Awards and Events