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Gruh Finance - (Amalgamated)

Gruh Finance - (Amalgamated)





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Incorporated in 1986, promoted by HDFC and AKFED, GRUH Finance is primarily engaged in the business of providing long term finance to individuals for construction, purchase, extension, repair and renovation of their homes. It also provides loans to professionals for office premises.

The company has been recognized by the National Housing Bank (NHB), the apex body for regulating the housing finance industry in India, and has been awarded the certificate of registration to carry out the housing finance business in India and also accept retail deposits from the public.

GRUH offers friendly savings options with its Multiple Option Deposit Schemes. The deposits carry dual rating from renowned rating agencies like CRISIL and ICRA.GRUH Home Deposits are rated ‘FAA+’ by CRISIL and ‘MAA+’ by ICRA both representing high safety.

With wide network of more than 80 retail offices spread across the states of Gujrat, Maharastra, Rajasthan, Madhya Pradesh, Karnatala, Chattisgarh and Tamil Nadu, GRUH caters to a wide segment of the population helping people build homes of their dreams and managing their saving by providing safe and secure saving options.

GRUH is regarded as a trustworthy and professional company providing high quality services by its strong customer base of more than 90,000 customers. The company’s FCD issue in 1994-95 was oversubscribed.


a) Housing Loans – GRUH offers the below housing loans:

  • Gruh Suraksha
  • Gruh Suvidha
  • Gruh Sajavat
  • Gruh Samruddhi
  • Gruh Shubh Labh
  • Gruh Sahyog 

b) Deposit Plans – The various deposit plans offered by the company are:

  • Gruh Fixed Deposit
  • Monthly Income Plan
  • Quarterly Income Plan
  • Annual Income Plan
  • Cumulative Growth 

c) Insurance - The company has entered into a tie up with Oriental Insurance Company to offer property insurance. Besides, it also has a tie up with HDFC Standard Life Insurance to provide life insurance cover.

Fellow Subsidiaries:

Housing Development Finance Corporation (HDFC) which holds 54.49% stake in GRUH is the holding company of GRUH. The company’s fellow subsidiaries are:

  • HDFC Developers
  • HDFC Investments
  • HDFC Holdings
  • HDFC Asset Management
  • HDFC Trustee
  • HDFC Standard Life Insurance
  • HDFC Realty
  • HDFC Ergo General Insurance
  • Home Loan Service of India
  • HDFC Sales
  • HDFC Ventures Trustee Company
  • HDFC Property Ventures


Bagged the ‘ICAI Award for Excellence in Financial Reporting’ for the year 2007-2008 from CA. Charanjot Singh Nanda, Council Member, ICAI.

2015-16: CNBC Bazaar Channel's Gujarat Ratna Award.

2015- ICAI award to MD Sudhin Choksey for outstanding individual contribution.

2017-18- Award for bets performing Primary Lending Institution under credit linked subsidy scheme for EWS/LIG segment.

Award for maximum number of loans to EWS segment under credit linked Subsidy Scheme for EWS/LIG.

Brands Of Gruh Finance - (Amalgamated)

Brands Of Gruh Finance - (Amalgamated)



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