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About Us

Shriram Housing Finance Limited

Shriram Housing Finance Limited (SHFL) is a housing finance organisation registered with the National Housing Bank (NHB). We are a part of the Shriram Group, with a rich legacy of almost five decades.  As a conglomerate, the foundation of Shriram Group was laid by industry veterans Ramamurthy Thyagarajan, AVS Raja and T. Jayaraman. Starting as a chit fund business, the group achieved massive success and diversified into many verticals like Commercial Vehicle Financing, Consumer and Enterprise Finance, Retail Stock Broking and Distribution of investment and insurance products.

On 4th August, 2011, the company received its Certificate of Registration from National Housing Bank (NHB) as required under Section 29A of the National Housing Bank Act, 1987. The primary operation of the Company is providing loans for the purchase or construction of residential space and loans against property.

It brings us pride while sharing that Shriram Housing Finance Limited (SHFL) has forever stayed loyal to its mission of helping people own their dream home. The smiles on the faces of our customers are our biggest achievement, and we consider our clients as a part of our family.

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 Values


We always try to do the right thing. We hold ourselves to the highest personal standards of honesty and transparency. We operate within the letter and spirit of the law.


We respect our colleagues and customers, and embrace diversity of background and views. We have confidence in each other’s capabilities and intentions. We are meritocratic, fair, supportive and believe in equal opportunity.


We deliver on our goals, demonstrating a profit and cost conscious approach and a ‘can do’ attitude. We focus on improving continuously and setting new benchmarks.


We are alert to change and move fast, with flexibility and decisiveness. We believe in taking initiative and encourage decision making. We give responsibility and demand accountability.


We are compassionate while building productive, long-term relationships with customers, employees and all stakeholders. We take pride in the quality of our human capital and accord great priority to the retention, growth, development and well-being of our human talent.

Our Leadership

  • Board of Directors
  • Senior Management
  • Ravi Subramanian
    Managing Director & CEO

    Ravi moved in as MD & CEO of Shriram Housing in Nov 2018. He has an experience of over two decades in the banking and financial services sector across organizations like HSBC, Citibank & ANZ Grindlays. He has successfully led independent businesses with complete P&L accountability for over a decade, and has served in senior management positions for diverse functions ranging from business process, reengineering to heading businesses.

    He joined the Shriram Group in the year 2010 as an Executive Director in Shriram City and has since then been involved in building and growing the SME lending business before moving into the current role.

    Ravi holds a Management degree from IIM – Bangalore.

  • Yalamati Srinivasa Chakravarti

    Y.S. Chakravarti is a Non-Executive, Non-Independent Director on the Board of SHFL. He holds a Bachelor’s degree in Commerce and is an astute retail finance professional with proven business skills and leadership ability. He has worked in various assignments in the field of financial services for over the last 25+ years. While being the MD & CEO of Shriram City Union Finance Ltd., he also serves the Boards of Shriram Chits Pvt. Ltd. and Shriram Chits (Maharashtra) Ltd.

  • Srinivas Sridhar
    Independent Director

    Mr. S. Sridhar, is an Independent Director of the Company. He studied at the Indian Institute of Technology, Delhi and Jamnalal Bajaj Institute of Management Studies, Mumbai. He was awarded the Lord Aldington Banking Research Fellowship for the year 1984 by the Indian Institute of Bankers. He has received many awards / honours, particularly for his innovative business models and intuition building.

    He was Chairman and Managing Director of Central Bank of India until May 31, 2011 and earlier of National Housing Bank, India’s regulator of Housing Finance Companies and the apex Financial Institution for housing. He is a banker with about 40 years experience in commercial and development banking of which 13 years were at the CEO / Board level. He is widely acknowledged to be an innovative, market oriented banker and strategic thinker having provided transformational leadership to the organisations he had worked for. He was a pioneer in championing the concept of affordable housing in India and contributed significantly to public policy formulation.

    Mr. Sridhar started his career with State Bank of India, India’s largest commercial Bank. He also worked as Executive Director and Chief Operating Officer of Export Import Bank of India, India’s apex export financing institution between 2001 and 2006.

    Currently, he serves as an Independent Director on the Boards of various companies, and also as a consultant to financial services companies.

    Mr. Sridhar has served in various national level committees and task forces for framing financial sector policies. He was on the Managing Committee of the Indian Banks’ Association, served on the Emerging Markets Council of the Institute of International Finance, Washington DC. He has been an invited speaker at numerous national and international Conferences including Chatham House Lectures.

  • Lakshminarayanan Priyadarshini
    Independent Director

    Priyadarshini is a Non- Executive, Independent Director on the Board of SHFL. She holds a Post Graduate Diploma in Business Management (Marketing & Finance) and has a B.A. Honours (Economics) degree from Delhi University. In a career spanning over two decades she has a diverse work experience with local and global players such as HSBC, ABN AMRO, ICICI Bank, Reliance Industries, GE India, IFCI and ONICRA.

    She has a wide experience in a variety of leadership roles in Business Development, Corporate & Retail sales, Corporate Banking and Key Account Management Business Strategy. She has been on the Board since October 2018.

  • Gauri Shankar Agarwal
    Whole Time Director and CFO

    Mr. G S Agarwal is a dynamic professional with over 30 years of experience in Fund Mobilisation, Treasury Management, Planning & Strategy, Budgeting, Accounts, Compliance, MIS and Operations. He has worked in various areas in conceptualizing & executing financial procedures with Working Capital Management, Profit Monitoring and building Internal Financial Controls. His last role was with Magma Housing Finance Limited as CFO with additional role as Group Treasury Head of Magma Group where he was responsible for Treasury Function for entire group. He has been a rank holder Chartered Accountant and enjoys excellent relationship with various Banks and Financial Institutions along with debt capital market

  • Mrs. Maya S Sinha
    Independent Director

    Mrs. Maya S Sinha is a graduate B A (Honours) in Economics and Mathematics from Lady Shri Ram College, Delhi University and holds a Masters' degree from the Delhi School of Economics, Delhi University specialised in Econometrics, Monetary Finance and Public Economics. She is founder Director of Clear Maze Consulting (Pvt) Limited, which is a consultancy firm in the area of PPPs since July 2013. She is also the Founder Director of M/S CMC Skills Pvt Ltd, engaged in the implementation of Govt funded and CSR funded projects for Skill Development. Prior to commencing her entrepreneurial journey, Mrs Sinha was a member of the IRS, 1981 Batch. She took VRS in 2010. In her almost 30 year career in the Govt of India, she served for about 23 years in the Income Tax Dept. She worked for a considerable time in the Investigation Wing in New Delhi and Mumbai, apart from handling assessment and appeals of large corporates.

    She was on deputation as the Commissioner of Khadi and Village Industries Commission, a Govt of India Undertaking engaged in employment generation through promotion of rural entrepreneurship. Her last assignment before taking VRS was as Deputy Chairman of the Jawaharlal Nehru Port Trust .From June 2010 to June 2013 she was Executive Director of M/s Core Education and Technologies Limited (“CETL”) a listed company, engaged in providing technology based solutions to educational institutions in the areas of Teaching, Learning, Assessment and Governance. CETL had grown fast globally both inorganically and organically under her leadership.

    Currently, she serves as Director on the Boards of various companies, including Shriram Finance Limited.

  • Nagendra Singh
    Chief Business Officer

    Nagendra comes with close to 24 years work experience, 16 of which have been with Citigroup & HSBC in consumer banking. In his career, he has held varied Sales leadership positions across consumer finance, unsecured lending (Cards & Personal Loans), Debt Management, Acquisition, Mortgages, Insurance, Liability & Customer Service. Nagendra joined Shriram City Union Finance Limited in Oct 2017, where he served as the Business Head of Unsecured Loans and Corporate Loans, before moving into this new role at SHFL in Nov 2018. He holds an MBA degree from Symbiosis University Pune.

  • Shivram Jagadeswaran
    Chief Risk Officer

    Shivram is a seasoned professional with a rich and diversified experience of over 25 years in managing credit and risk function across various product lines. His last assignment was with Reliance Commercial Finance Limited as Head-Policy and Risk for SME products. Prior to that, he was associated with Muthoot Housing Finance, Bajaj Finance and ABN AMRO Bank where he managed Credit and Risk function for various products viz Housing, Mortgages and Construction equipment. Shivram is a Commerce graduate and has done his MMS in Finance from K. J. Somaiya Institute of Management Studies & Research, Mumbai. He has been associated with SHFL since May 2019.

  • Easwaran Krishnan
    Head – Human Resources

    Easwaran is a senior Human Resource professional with around 26 years of global HR experience spanning across countries and over industry verticals such as Banking & Financial Services, IT, ITES, Retail, Logistics & Services sectors. Easwaran has earlier worked in senior roles with reputed organizations such as Barclays Bank (in India & Mauritius), Development Credit Bank, Bank Muscat International (Bahrain), Azizi Bank (Afghanistan), VFS Global Services, Capita plc, etc. He holds a master’s degree from Symbiosis University Pune and has been associated with SHFL since March 2019.

  • Amit Bhatia
    Head - Marketing & Insurance Distribution

    Amit comes with an experience of 18 years in various capacities across BFSI industry and has an extensive experience of driving analytics driven strategies in consumer finance. He has worked across both B2B & B2C domains and has spent considerable time in Sales, Business Development and Strategy functions across companies like Citigroup & GE Capital. He joined the group in Jan 2018 as Sales Head for Personal Loans for Shriram City Union Finance. He was previously associated with Tata Teleservices as P&L Head for Mumbai region. He currently manages the Marketing, Customer Service & Insurance Distribution functions for SHFL. He also presently manages a few strategic projects for the parent company – Shriram City Union Finance Limited. Amit holds a Management degree from the Indian Institute of Management, Lucknow.

  • Sandeep Ranjan
    Chief Digital Officer

    Sandeep is a Digital Transformation leader with over 21 Years of cross functional experience across BFSI and Smart Card Industry. He has worked in formulating and implementing digital strategy, product and service roadmaps for Fullerton India Credit Company and IIFL Finance Limited. He has extensive experience in digital Payments, Credit cards, Digital Banking across companies like Standard Chartered Bank and ICICI Bank. He has joined SHFL in July 2021 as Chief Digital Officer and has been spearheading the digitization and innovation at SHFL. Sandeep is an Engineer who did his MBA from FORE School of Management, New Delhi.

  • Leena Joshi
    Head - Operation and Customer Service

    Leena is a seasoned professional with over two decades of rich experience in the financial services industry leading Operations, Customer Service, Customer Retention, Contact centre management, Complaints Management, Regulatory Compliance, Vendor management and Process re-engineering, with a track record of sustained excellence. She was last working with Poonawalla Housing Finance Ltd. (earlier Magma Fincorp Ltd.) as Head of Operations and Customer Service. In the past, she was associated with DHFL, Citibank NA, CitiFinancial Consumer Finance and MetLife India Insurance. Leena is a graduate in Commerce and has completed her MBA from Institute of Technology and Management, Mumbai

  • Umesh Waghade
    Business Head - Construction Finance & Structured Lending

    Umesh is a seasoned professional in Real Estate financing. He has over 20 years of experience in various business roles like Origination, Relationship Management, Credit Due Diligence, Portfolio Management and Risk Management. His professional expertise spans across product lines-Real Estate finance, Structured Finance, SME, Mid Corporate Banking and Retail Mortgages. His last assignment was with InCred Financial Services Ltd., where he served as the Director and Business Head (Real Estate Finance). His past experiences have been across ICICI Bank, Standard Chartered Bank and TATA Capital. Umesh holds an MMS & MBA from Mumbai University and has been associated with Shriram Housing since June 2019.

  • Satinder Singh Sidhu
    Head – Collections

    Satinder brings with him more than 22 years of experience in Sales & Collections. He has previously been associated with reputed organizations like Reliance ADAG, India Infoline Housing Finance Ltd. & Citigroup. In his last assignment with Reliance Commercial Finance as Head Collections - Retail, he played a significant role in building a strong collection vertical managing both consumer & corporate loan book. Satinder is a Postgraduate by qualification and has been associated with Shriram Housing since April 2019.

  • Sanjiv Gyani
    Chief Compliance Officer

    Sanjiv has 33 years of experience in Retail Lending covering Sales, Business Development, Products and Policies, Risk Management, Collections, Analytics and Operations functions. His last assignment was with Fullerton India Credit Co. Ltd as General Manager & Head - Operations, Customer Service & PMO, based in Mumbai. In the past he was associated with DHFL, Haryana Distillery, Hitkari Fibres and Ansal Housing. Sanjiv is a Post Graduate in Economics from Jabalpur University and holds a Post Graduate Diploma in Business Management.

About Shriram Group

Shriram Group is a conglomerate with over 45 years of experience and expertise founded by industry veterans Ramamurthy Thyagarajan, AVS Raja and T. Jayaraman. Started in April 1974, the company is headquartered in Chennai, Tamil Nadu, India. Shriram Group is among the pioneers in financing business.

The group begun as a chit fund business, but later achieved tall success and diversified into many more businesses like:

  • Commercial Vehicle Financing
  • Consumer and Enterprise Finance
  • Retail stock Broking
  • Distribution of investment and insurance products

Our group has demonstrated corporate governance of the highest standard. We are a professionally run and board governed company.


Insurance Partners - Life & General

SHFL has tie-up with multiple Insurance companies for Group Credit Life, Property Insurance & Health Insurance that we offer to our customers

Our Sourcing Partner


Registered Name: Bajaj Finserv Direct Limited

Company Website: https://www.bajajfinservmarkets.in/

Grievance Details:

Name: Meetal Kadam , Designation: National Manager - Customer Service & Experience

Contact No. : 020-71877021 (Monday to Friday - 10 AM to 6 PM)

Email Id: grievanceofficer@bajajfinservmarkets.in

Raise your Request/ Query/ Complaint by filling the form on https://www.bajajfinservmarkets.in/contact-us.html

Services Provided: Lead referral through BFDL Platform