Owning a home is an important goal, but arranging the right finance can be challenging. Interest rates, loan eligibility, repayment periods and processing charges can differ significantly between lenders.
A good housing finance company provides more than just a home loan. It should offer transparent charges, flexible repayment options, helpful customer service and loan products suitable for different income groups.
From large national lenders to companies specialising in affordable housing, borrowers have several reliable options in 2026. Let’s check out the top 10 housing finance companies in India.
1. HDFC Bank
HDFC Bank takes the first position because it now manages the home-loan business previously operated by HDFC Ltd. It has a strong brand, an extensive branch network and years of experience in housing finance.
The bank provides loans for purchasing homes, constructing houses, buying plots, renovating properties and transferring existing loans. Existing HDFC Bank customers may also benefit from a smoother application and repayment process.
2. LIC Housing Finance
LIC Housing Finance is one of India’s largest specialised housing finance companies. It has more than 36 years of experience and has served around 30 lakh homeowners.
Its loan portfolio stood at ₹3,07,732 crore in FY2024-25. The company offers home purchase, construction, renovation, plot and balance-transfer loans. Its established reputation makes it a popular choice among salaried individuals, pensioners and families looking for longer repayment periods.
3. Bajaj Housing Finance
Bajaj Housing Finance is a fast-growing home-loan company backed by the Bajaj Group. Its assets under management reached ₹1,33,412 crore by December 2025.
The company offers home loans, loans against property, lease rental discounting and developer finance. It is known for digital processing, doorstep services and flexible loan options for salaried and self-employed applicants.
4. PNB Housing Finance
PNB Housing Finance is an established housing lender promoted by Punjab National Bank. It serves customers through a large network of branches across Indian cities.
Its products include home purchase loans, construction loans, plot loans, renovation loans and loans against property. The company serves salaried customers, business owners and affordable-housing borrowers.
5. Aditya Birla Housing Finance
Aditya Birla Housing Finance is part of the Aditya Birla Capital group. It has expanded rapidly in the home-loan and property-backed lending markets.
The company offers home loans, construction finance, plot and construction loans, home improvement loans and balance transfers. It can be a suitable option for customers who require customised eligibility assessment or structured repayment plans.
6. Can Fin Homes
Can Fin Homes was promoted by Canara Bank and has operated in the housing finance market for more than three decades. A large part of its lending portfolio consists of housing loans.
It provides loans for purchasing flats, constructing houses, buying plots, extending homes and renovating properties. Its experience in serving middle-income borrowers makes it a dependable option for families seeking straightforward home financing.
7. Aadhar Housing Finance
Aadhar Housing Finance focuses primarily on low- and middle-income customers. It has more than 600 branches across 22 states, giving it a strong presence in smaller cities and towns.
The company serves salaried workers, shopkeepers and self-employed applicants who may have limited formal income documents. It offers home purchase, construction, improvement and balance-transfer loans.
8. Aavas Financiers
Aavas Financiers specialises in affordable housing loans, particularly in underserved rural and semi-urban markets. It operates through more than 430 branches across 15 states and union territories.
The company provides financing for purchasing or constructing homes and is experienced in assessing customers with informal or irregular income. It is especially useful for self-employed applicants outside major cities.
9. Home First Finance
Home First Finance is a technology-focused affordable housing finance company. It serves customers through physical branches and digital systems that simplify loan applications, document collection and repayment tracking.
Around 83% of its assets under management consist of housing loans. Its typical customers include first-time buyers, salaried workers and self-employed borrowers seeking relatively small home loans.
10. Sundaram Home Finance
Sundaram Home Finance is part of the trusted Sundaram Finance Group. It has a particularly strong presence in southern India while continuing to expand into other regions.
The company offers home purchase, construction, renovation, plot and balance-transfer loans. Its branch-based service model can appeal to customers who prefer personal assistance during the application process.
How to Choose a Housing Finance Company
Compare the interest rate, processing fee and total repayment amount instead of looking only at the advertised starting rate.
Also check the loan-to-value ratio, prepayment conditions, required documents and customer service network. Self-employed applicants should choose lenders experienced in evaluating business income and alternative financial documents.
Always request a written loan offer before paying a non-refundable processing fee.
Frequently Asked Questions
Q: Which company is best for affordable housing loans?
A: Aadhar Housing Finance, Aavas Financiers and Home First Finance specialise in affordable housing and customers from smaller cities.
Q: Which lender has the biggest branch network?
A: HDFC Bank has one of the widest banking networks. Among specialised housing finance companies, LIC Housing Finance and Aadhar Housing Finance have extensive reach.
Q: Can self-employed people obtain home loans?
A: Yes. Most lenders provide loans to self-employed applicants. Income-tax returns, bank statements, business records and proof of business continuity may be required.
Q: Should I choose a bank or a housing finance company?
A: Banks may offer competitive rates and convenient account-linked services. Housing finance companies may provide more flexible eligibility assessment. The better option depends on your income, credit score, property and documentation.
