Pawan Kulkarni

Aadhar Housing Finance Ltd is one of the largest affordable housing finance companies in India servicing the home financing needs of the low income sections of the society. Aadhar endeavours to empower underserved millions to own their first homes. Established in 2010, we have served more than 1,88,000 customers through 326 locations across the nation. Aadhar is one of the few players in the industry with a pan-India presence. Today, we provide financing solutions to all segments of customers whose monthly income is between INR 5000 (USD 76) to INR 50000 (USD 765) and above. We pride ourselves on the empathy, trust and transparency-led customer service we provide and see it as our key competitive advantage. Our customer-centric approach has helped us build a loan book of about a billion rupees. Today, our branches across 20 States & Union Territories help us reach more than 90% of the country's population and provide credit solutions that make home ownership accessible to everyone. With two-thirds of India's 1.2 billion population residing in the hinterland, we are committed to serve home buyers from the low income group. After all, everyone deserves the security of a home – from barbers, tailors, carpenters, plumbers, kirana merchants to police, defence and railway personnel, SMBs and the self-employed. By empowering this segment with the security of a home, we endeavour to create a truly inclusive India. At Aadhar, we facilitate financial inclusion by enabling wider access to housing finance, ethically and responsibly. Our financing process is simple, transparent and speedy. Committed to the highest standards of ethical behaviour and professionalism, we are empowering Bharat to gain enhanced financial capabilities.