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‘Dream’ home to ‘owned’ home……Making it all happen

Overview Financial Hub for Home Loans

About Fullerton India Home Finance Co. Ltd (Grihashakti)

About Fullerton India Home Finance Co. Ltd

Building a home of your own is a common aspiration, and we at Fullerton India Home Finance Company Ltd (Grihashakti) help you realize this dream. Be it the purchase of a new home or a residential plot, Grihashakti is your perfect companion to help you build your dream home. Apart from the purchase of a new home, we also provide loans for home improvement, home construction and home extension. Our other services include - loan against property; and loans for new or resale commercial property, commercial plot and construction of a commercial property.

Fullerton India Home Finance Company Ltd (Grihashakti) is a wholly owned subsidiary of Fullerton India Credit Company Limited (FICCL). Grihashakti offers loans to salaried and self-employed individuals and organisations. Launched in December 2015 and headquartered in Mumbai, Grihashakti caters to the housing finance needs across India and operates in 70 locations with 700+ employees and has served more than 30,000 customers to date. Sumitomo Mitsui Financial Group (SMFG) and Fullerton Financial Holdings (FFH) are the shareholders of FICCL, the parent company of Grihashakti.

Shareholders

Sumitomo Mitsui Financial Group (SMFG)
SMFG holds a 74.9% stake in Fullerton India Credit Company Limited and is the holding company of one of the largest global banking and financial service groups, offering a diverse range of financial services, including commercial banking, leasing, securities and consumer finance with a heritage exceeding 400 years in Japan. SMFG is listed on the Tokyo and New York (via ADR) Stock Exchanges and has a market capitalization of approximately US$44.9 billion (as of 29 October 2021). SMFG is one of the global systemically important banks (G-SIBs) and has high credit ratings of A1 by Moody’s Investors Service, and A- by Standard & Poor’s.

Fullerton Financial Holdings (FFH)
FFH holds a 25.1% stake in Fullerton India Credit Company Limited and is an independently operated strategic and operating investor in financial and related services in emerging markets. FFH creates shareholder value by building differentiated business models focused on the Mass Market and SME segments, and enabling digital innovation for its portfolio companies. FFH is a wholly-owned independent portfolio company of Singapore-headquartered investment company, Temasek. As at end December 2020, FFH’s portfolio includes investments in 6 countries with total Group assets of SGD 6.9 billion.

Fullerton India Credit Company (FICC)
Fullerton India Credit Company Limited is registered as an NBFC - Investment and Credit Company (NBFC-ICC) with the Reserve Bank of India, and a member of SMBC Group. FICC started its India operations in 2007 and has established a pan India presence – across 600 towns and 58,000+ villages through 628 branches and 12,800+ employees offering lending products to underserved & unserved retail and small business borrowers and has served more than 8.3 million customers to date. By doing so, it has introduced people to formal credit. FICC’s primary services constitute financing of SME for working capital and growth, loans for commercial vehicles and two-wheelers, home improvement loans, loans against property, personal loans, working capital loans for urban self-employed and loans for rural livelihood advancement, rural housing finance and financing of various rural micro enterprises.

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