Grihum Housing Finance: Democratizing Home Ownership for Real Bharat

Grihum’s Unique Approach

True to its name, with ‘Grih’ meaning home and ‘Hum’ symbolizing togetherness, Grihum enables self-made individuals to access affordable and dignified pathways to home ownership. It uses field-based income assessments to understand customers’ real earning potential, supported by transparent documentation and responsible lending practices that make every decision fair and inclusive.

Grihum designs every step of the home loan process around the customer, offering digital applications, e-approvals, multilingual support, and doorstep service to ensure a smooth and hassle-free experience.

“At Grihum, our purpose is to make home ownership possible for all Indians. This is based on our belief that a home is not just a shelter; it’s a source of dignity, stability, and pride for every self-made individual and their families”, says Arjun Chowdhry, CEO, Grihum Housing Finance.

Scale and Impact Beyond Lending

With an AUM exceeding ₹9,000 crore, Grihum serves over 80,000 customers through more than 200 branches in 18 states and union territories. Its average loan size of ₹10– 12 lakh highlights a strong focus on affordable housing. Initiatives like e-agreements and e-NACH have enabled faster, paper-light, and transparent loan processes.

By facilitating access to PMAY subsidies, Grihum has empowered thousands of first-time homebuyers to take confident steps toward building a secure future. Each number tells a human story of trust built, one relationship at a time, in the true spirit of Real Bharat.

At the heart of Grihum lies a simple yet powerful purpose: to make home ownership accessible, dignified, and aspirational for self-made Indians. This vision is guided by three core values - Humility, Trust, and Togetherness. Humility inspires the organization to listen and understand its customers deeply. Trust drives transparent and ethical business practices. Togetherness unites employees, customers, and communities under a shared dream of progress.

In truth, Grihum’s commitment to Real Bharat extends well beyond lending. Through its social initiatives, the company supports girl child education, promotes menstrual health awareness, conducts tree plantation drives, and implements skill development programs that have helped hundreds of individuals earn and grow.

Growth with Responsibility & A Promise that Endures

India’s housing story is at an interesting juncture. Homebuyers no longer just seek mere ownership; they aspire to upgrade, improve, and create better living standards for their families. With products that support every stage of the home journey, from home construction and improvement loans to balance transfers, top-ups, and loans against property, Grihum empowers families to move from access to aspiration, helping them create better homes and brighter futures.

As Grihum looks ahead, it continues to strengthen its digital and data-led decision-making capabilities, enabling smarter, faster, and fairer credit assessments. While technology remains a key enabler, Grihum ensures that empathy and human connection remain central to every customer interaction.

“At Grihum, every loan is more than a transaction; it marks the beginning of a new chapter in someone’s life. This belief continues to guide our journey of helping families across India turn their dreams into lasting realities”, concludes Arjun.