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Home > About DHFL

About DHFL

DHFL, one of India’s leading housing finance company

DHFL was established by Late Shri Rajesh Kumar Wadhawan (16th April, 1949-30th September, 2000), a visionary Indian businessman.

The Founder Chairman observed the sad truth that most Indians couldn’t get a housing loan on fair terms. He believed that owning a home is a critical element to the building of an identity for every Indian. He thus set out on a mission to manage this social need. On April 11, 1984, DHFL was established to enable access to affordable housing finance to the lower and middle income groups in semi-urban and rural parts of India. DHFL is the second housing finance Company to be established in the country, however, with a unique mission, which is today benchmark as a model of financial inclusion in the Indian financial services sector.

While most experts lauded Shri Rajesh Kumar Wadhawan’s altruism, they posed pragmatic apprehensions on the possibility of this Vision becoming a reality. However, that did not influence the visionary’s mission. DHFL disbursed funds from its own equity contribution and had a return of less than 8% at a time when interest rates were about 18%. But, what DHFL ascertained was the difference between those who see things as they are and the visionaries who see things as they can be.

DHFL – Changing Rules, Changing Lives

Over 30 years have passed since the Company’s inception and today DHFL stands strong as one of India’s largest housing finance companies (and the second largest in the private sector). Today, led by Mr. Kapil Wadhawan, the Company is still living the Founder’s Dream and enabling access to home ownership. It is profitably doing what its Founder intended it to do.

DHFL takes pride in its purpose-driven team of enthusiastic people who are willing to carry on the Founder’s vision and transform the housing sector in India by providing affordable housing finance.

The Company has encouraged hundreds of thousands of people to make that upward journey by simplifying financial access and providing them with the privilege of home loan products, insurance services and unique fixed deposit schemes tailor made to suit their needs.

Based in India’s commercial capital Mumbai, DHFL strives continually to reach out to its customers through its extensive network of 349 offices spread across the length and breadth of the country. DHFL also has tie-ups with leading private sector banks namely United Bank of India, Dhanlaxmi Bank and YES bank to provide home loans to customers through a home loan syndication agreement. DHFL has also set up representative offices in London and Dubai to serve the ever increasing NRI population in these regions.

DHFL has been assigned a rating ‘CARE AAA (Triple A)’ by CARE and
‘BWR AAA’ by Brickworks for various secured long term debt instruments.

DHFL has a Wholly Owned Subsidiary viz. DHFL Advisory and Investments Private Limited.

DHFL has an existing joint venture agreement with Prudential Financial, Inc. and holds 50% equity stake in DHFL Pramerica Life Insurance Company Private Limited (DPLI) , a registered life insurance company in India regulated by the IRDAI. It also acts as a Corporate Agent (Life) for DPLI to provide life insurance solutions in India. It has also entered into a joint venture with PGLH of Delaware, Inc. and holds 50% stake (includes the investment made through its WOS) in each of DHFL Pramerica Asset Managers Pvt. Ltd. and DHFL Pramerica Trustees Pvt. Ltd., the asset management company and trustee company of DHFL Pramerica Mutual Fund (erstwhile Pramerica Mutual Fund). Through this joint venture, DHFL aims to provide asset management services to customers in the LMI segment by leveraging on pan-India distribution network, including the branches, staff and sales force, for the marketing, distribution and sale of mutual funds products.

DHFL – Offices

Registered office:
Warden House, 2nd floor,
Sir P.M. Road, Fort,
Mumbai 400001
Tel: +91-22 61066800 / 22029900 | Fax: +91-22 22871985

Corporate office:
10th Floor, TCG Financial Centre,
BKC Road, Bandra Kurla Complex,
Bandra (East),
Mumbai – 400098
Tel: +91-22 6600 6999 | Fax: +91-22 6600 6998

National office:
6th Floor, HDIL Towers
Anant Kanekar Road,
Bandra (East), Station Road,
Mumbai – 400051
Tel: +91-22 7158 3333/2658 3333 | Fax: +91-22 7158 3344

You can now contact us -
Sales Toll Free Number – 1800 22 34 35
from 10 AM to 7 PM (Monday to Saturday)
Service Toll Free Number – 1800 3000 1919
from 9 AM to 6 PM (Monday to Saturday)

If you have any queries, complaints or feedback, please write to us at response@dhfl.com