Svatantra Micro Housing Finance Corporation

Svatantra Micro Housing Finance Corporation Building the Entrepreneurs
that build India’s economy Svatantra Micro Housing Finance Corporation Limited (SMHFC) was incorporated in 2010 and acquired by Ms.

Ananya Birla in 2018. SMHFC, is a systemically important NBFC-HFC. The company is amongst the most differentiated HFCs entity, which completely focuses on catering to EWS/ LIG customers in informal economy catering to their needs of Housing purchase, construction, renovation, and Loan against property. SMHFC today with a team of 600+ employees serve over 35,000 customers across 9 states with a loa

n book of more than INR 1200 cr. The HFC due to its focus on EWS/ LIG segment has amongst the lowest average ticket size and leveraging technology has a unique branchless model. SMHFC customers are mostly self-employed or employed in informal sectors where there is no formal documentation/ proof of income. The company has adopted a unique credit underwriting methodology to provide these customers loans to buy their first formal homes. All customers of SMHFC have been beneficiaries under various verticals of PMAY being affordable housing in partnerships, beneficiary led construction and credit linked subsidies. SMHFC works with Private builders and State governments to support their allottees to buy houses and provide funds, including PMAY viability gap funding to borrowers, to complete houses thereby creating inter-generational equity. SMHFC was also recognized with GIIRS ‘5 Stars Rating’ for Impact Operations and ‘Platinum Rating’ for Impact Business Model.

We have moved to an official 1600-series number so you always know when Svatantra Housing Finance is calling. Our offici...
27/03/2026

We have moved to an official 1600-series number so you always know when Svatantra Housing Finance is calling.

Our official numbers:
📞 1600 303 068
📞 1600 310 737
When we call, pick up with confidence it is always a real conversation about your home and your journey with us.

Most families feel their money disappears without warning.It usually does not vanish overnight.It leaks slowly—through h...
13/03/2026

Most families feel their money disappears without warning.
It usually does not vanish overnight.
It leaks slowly—through habits never measured.

Clarity begins when you track.
Not when you guess.

08/03/2026

She never waited for the world to be ready. Across India, women in the informal sector are building — quietly, consistently, without headlines.
Women-owned businesses grew from 22.9% to 26.2% in a single year.
(Source: MoSPI, ASUSE Report 2024)

At Svatantra Housing Finance, we are happy to serve our women customers who equally contribute to homeownership.

Happy Women's Day

Before the colours fly someone is already up.Stacking pichkaris. Rolling gujiyas. Stringing marigolds.Holi moves million...
03/03/2026

Before the colours fly someone is already up.
Stacking pichkaris. Rolling gujiyas. Stringing marigolds.

Holi moves millions of small entrepreneurs across India. Some need capital to stock up for the season. Some need a home to come back to after the work is done. We exist for both.

Because the people who colour India deserve every opportunity to grow.
Happy Holi!

02/02/2026

The AA (Stable Outlook) rating upgrade by CareEdge reflects Svatantra's strengthened credit profile, reinforcing sector leadership as the highest rated standalone microfinance and growing trust in accessible, sustainable housing finance.

A new year begins quietly.With stability. With belonging. With a home that feels secure.Here is to 2026 built on trust, ...
01/01/2026

A new year begins quietly.
With stability. With belonging. With a home that feels secure.
Here is to 2026 built on trust, effort, and the confidence to grow forward.

01/01/2026

Behind every number is a household, a future, a belief earned.
2025 brought renewed identity, deeper roots, and progress measured with care not speed.
The journey continues.

25/12/2025

Christmas passes through streets and cities.
Homes remain.
Where there is a home,
Christmas arrives and settles gently.
Wishing all a Merry Christmas

06/11/2025

This festive season, your home loan just got lighter.
Home Loans starting at 10.49%* p.a.

Most home loan mistakes cost more than you think.With Svatantra, you don’t just borrow, you borrow right.
03/11/2025

Most home loan mistakes cost more than you think.
With Svatantra, you don’t just borrow, you borrow right.

30/10/2025

A curtain rises. A new beginning unfolds.
Home Loans starting at 10.49% p.a., transparent, fair, and made for you.

Address

1, Ground Floor, Pushpak CHS, Opposite Gomantak Hall, Malaviya Road, Vile Parle (East)
Mumbai
400057

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+9118001234427

Website

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