About GRUH Finance Limited

GRUH Finance Limited (GRUH) - a subsidiary of HDFC Ltd., is a Housing Finance Company (HFC) recognized by National Housing Bank.

GRUH offers loans to individuals for purchase, construction, repairs, renovation of dwelling units. GRUH also offers loans to the Self employed segment where in formal income proofs are not available. The income of such applicants is appraised based on field investigation and surrogate income proof. GRUH also offeres loans to professionals for purchase of office premises.

The rate of interest is based on credit score methodology wherein each applicant is evaluated based on individual credit criteria. Depending on the loan product selected, the customer can therefore get a rate of interest within a band depending on individual credit score.

GRUH Deposits are rated FAAA by CRISIL and MAAA by ICRA. These ratings indicate highest safety as regards timely payment of interest and principal.

GRUH has 152 offices in 8 states of the country viz. Gujarat, Maharashtra, Karnataka, Rajasthan, Madhya Pradesh, Chhattisgarh, Tamil Nadu and Uttar Pradesh.

Housing Finance

GRUH’s Journey over 28 years

News Flash
GRUH has fixed Book Closure as Wednesday, May 7, 2014 for the purpose of AGM to be held on May 28, 2014 and for the purpose of ascertaining the entitlement of shareholders to dividend @ Rs.3/- per share, subject to shareholders’ approval.
ICRA has also upgraded rating on GRUH’s deposits from MAA+ to MAAA indicating highest safety as regards timely payment of interest and principal.
CRISIL has upgraded GRUH’s rating on Fixed Deposit Programme from “AA+” to “AAA”. The rating of “AAA” indicates highest safety as regards timely payment of interest and principal.
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