Home First Finance Company (HFFC) | Housing Finance Company
Housing Finance Company

Let Us Take You Home

We'll take you home

Who We Are

Home First is young housing finance company built on a single premise: we believe everyone should own their dream home. We blend technology and personalisation, so the loan process is easy and hassle-free. Simply put: our customers always come first.

Our founders

These guys founded Home First.

Jaithirth Rao

Jaithirth (Jerry) Rao holds Master’s degrees in Business Administration from the IIM-Ahmedabad as well as the University of Chicago, US. He is a visiting faculty at both the institutions. He has been honoured with the Distinguished Alumnus Award from the University of Chicago. He was also the Founder, Chairman and Managing Director of Mphasis during which time he was awarded the Ernst & Young Entrepreneur of the Year Award twice in 2001 & 2004, and the Karnataka State Rajyothsava Award in 2005. In the past, Mr. Rao has served as chairman of NASSCOM. He was with Citicorp for 20 years in various capacities, including the Head of Citibank where he was primarily responsible for building one of the bank’s Asian retail and credit card franchises, apart from working in various parts of the world. He has been an entrepreneur-in-residence at the Harvard Business School and lecturer at IIT, Bombay. He is on the Board of Trustees of the India Foundation of the Arts and of Sujaya Foundation.

P S Jayakumar

P S Jayakumar is currently the MD and CEO of Bank of Baroda. He holds a master's degree in Management from XLRI, Jamshedpur, a master's degree in Commerce from the University of Madras, and is an Associate Member of the Institute of Chartered Accountants of India. He is also a Gurukul Chevening Scholar from the London School of Economics and Political Science (1998). Mr. Jayakumar started his career with Citibank in 1986 and has held many senior management positions there, including being country head for Consumer Business in India and Head for Consumer Lending Business in Asia Pacific. During his banking career, spanning 27 years, Mr. Jayakumar has contributed significantly to the development of the retail banking industry in India.

Our Board of Directors

Deepak Satwalekar

Deepak Satwalekar is the Chairman and Independent Director of our Company. He holds a bachelor’s degree in mechanical engineering from Indian Institute of Technology, Bombay and a master’s degree in business administration from the American University. Previously, he was associated with Housing Development Finance Corporation Limited as a director and HDFC Standard Life Insurance Company Limited as the managing director and chief executive officer. He has also been recognised as a distinguished alumnus by the Indian Institute of Technology, Bombay. He was appointed as an Independent Director on the Board of our Company with effect from October 23, 2019.

Sakti Prasad Ghosh

Sakti Prasad Ghosh holds a master's degree in Commerce from Calcutta, and a diploma in Financial Management from Jamnalal Bajaj Institute of Management (University of Bombay). His career spans over four and a half decades, starting as a probationary officer (Class I) in Reserve Bank of India and retiring as Executive Director, National Housing Bank (NHB). During his career, he was placed on deputation with Unit Trust of India, National Agricultural Bank for Rural Development (NABARD) and NHB to assist in building these institutions. Mr. Ghosh has been involved with Asian Development Bank (ADB) as Financial Management Specialist-cum-Staff Consultant and was also associated with Vidyasagar University, West Bengal, as nominee of Chancellor and Governor of West Bengal.

Sujatha Venkatramanan

Sujatha Venkatramanan is a MBA in Finance & Marketing and a B.A. (Honours) in Economics from Delhi University. Ms. Venkatramanan has been a seasoned retail banking professional for over 20 years, with proven ability to manage portfolio risks across 14 countries, ranging from the Indian subcontinent and Middle East, to highly volatile Turkey and 'Emerging Europe'. She brings extensive hands-on experience in credit risk strategy and management across the retail lending landscape, covering mortgages, commercial real estate lending, credit cards, personal loans, overdrafts, auto, margin lending, business lending, purchase of securitized portfolios and structured products. She has worked for 18 years with Citibank in various leadership roles across the globe, then as Head, Risk Advisory for Kairoleaf Analytics (part of the listed AurionPro Solutions group) and is now an independent consultant in the banking and risk advisory arena.

Santhanam Rajagopalan

Rajagopalan joined TrueNorth way back in 2008 as a Managing Director. He is responsible for the smooth functioning of the finance and treasury function across portfolio companies. He also guides the Fund Management team in structuring investments and exits, in a way that is tax efficient and compliant with applicable regulations. Rajagopalan is a Bachelor of Commerce and a qualified Chartered Accountant with nearly 18 years of operational experience in accounting, finance and treasury management, having worked with Monsanto and ITC Ltd in India. His achievements include ideation and implementation of tax optimized cash utilization structures, the consolidation of legal entity structures, critical support in implementing a business acquisition and sale of three non-core business lines.

Divya Sehgal

Divya joined True North in 2010. He is based in Mumbai and is responsible for investments in and scaling up of businesses in the Financial Services and Technology sectors. Divya holds a Bachelor's degree in Electrical Engineering from IIT, Delhi and holds a Post Graduate Diploma in Management from IIM, Bengaluru. Prior to joining True North, he was Founder and Chief Operating Officer of Apollo Health Street, a leading healthcare outsourcing firm and one of the top five in its space globally. Before that he worked as a consultant with McKinsey, with the corporate finance team at ANZ and as an entrepreneur at Emedlife, one of the first corporate healthcare advisory firms in India that eventually merged with the Apollo Group.

Maninder Singh Juneja

Maninder joined True North in 2016 and is based in Mumbai where he is involved in building and managing businesses primarily in the financial services sector. An MBA from IIM Lucknow, Maninder has over 17 years experience in the banking and financial services industry. Prior to joining True North, Maninder was the group Head for ICICI Banks Retail Banking group, covering Strategy, Products, Small Business Loans, Branch Banking and distribution channels. Prior to this, he started his career with Godrej as a Branch Manager and has worked with Godrej GE Appliances and GE Transportation financial services.

Vishal Gupta

Mr. Vishal Gupta, is the Managing Director at Bessemer Venture Partners (BVP) located in Bangalore. Mr. Gupta joined BVP India in 2006 and focuses on investments in consumer internet, market places and enterprise SaaS. Mr. Gupta holds a M.B.A from the Indian Institute of Management in Calcutta, is a chartered accountant and a commerce graduate from GS College, wherein he was ranked one of the top 750 students in the country. He is also a member of Mensa and was a nationally-ranked table tennis player. Prior to joining BVP India, Mr. Gupta was a senior manager in the treasurer’s office at Reliance Group, where he helped the in establishing a Private equity firm. He had also served as an executive assistant to the CEO a joint venture of HCL Tech and Deutsche Bank in India.

Manoj Viswanathan

Manoj Viswanathan holds a Bachelor's degree in Electrical & Electronics Engineering from BITS, Pilani and an MBA from XLRI Jamshedpur. He possesses experience of more than 18 years in consumer lending, encompassing sectors such as automobile loans, mortgages, and unsecured lending. He is considered to have played an important role in building the branch-based consumer-lending model for Citigroup in India. He is the Managing Director and CEO of Home First Finance Company.

Our Journey So Far

Mar 2019

The Sky Is The Limit

Gross Loan Assets crosses ₹ 24,435.74mn, Customer base crossed 29,000 and 60 Branches

Sep 2018

Stepping Up

Net worth crosses ₹ 4,885.77mn

Mar 2017

Clocking new record

Gross Loan Assets became ₹ 8,473.16mn

Mar 2017

Additional equity infusion

Series C funding: TrueNorth invests in Home First.

Our Vision

Shape the future of Financing Homes, and empower people to live better!
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