By Lal Singh For those who have little to no idea about what the HFC or Housing Finance Companies are, well, these are kind of NBFCs (Non-Banking Financial Companies) which have one goal, which is to provide financial assistance and loans for the purchase, renovation, and construction of any property out there. Clear? Well, looking at how good and fast the housing market is growing in India, these types of services are highly in demand right now. But once again, there is always a trust factor involved when choosing a housing finance company, which is why we recommend you to always go with a trusted name in the market. That’s precisely why we’re here with a list like this, where we’ll talk about the Top 10 Housing Finance Companies in India 2025. Here we go.
1. LIC Housing Finance Ltd
This year, first of all, we have LIC Housing Finance, which is not solely recognized for its long-standing presence in the market. Nah! Since 1989, the company has been the support system for more than 2.5 million Indian families to make the dream of their own house come true. By 2025, LIC Housing, with a market cap of over ₹32,000 cr and a P/E ratio of less than 6, is a company that is not only known for the legacy it has built but also for its ongoing success.
2. PNB Housing Finance Ltd
PNB Housing Finance is still a major name in the industry, being the runner-up. It is a subsidiary of Punjab National Bank, a well-established bank with a history of over 100 years. Their agency is recognized for providing personalised home loans at competitive interest rates. By 2025, PNB Housing will have a market cap of more than ₹22,000 crore, with profits of over ₹500 crore per quarter. It has a loan portfolio that is both well-diversified and supported by NRIs, making it a safe and reliable investment option for the salaried and those who are self-employed.
3. HDFC Ltd (Now under HDFC Bank)
HDFC Ltd has merged with HDFC Bank, but the company has not lost its housing finance legacy. There was a time when HDFC used to be the benchmark for home loans, and still in 2025, the HDFC Bank housing loan division is that standard. In case you are purchasing land, doing renovation at your house, or constructing in a village area of India, the qualities like customer trust, quickness, and adaptability, which have gone a long way in establishing HDFC as a brand name, are still there.
4. Aavas Financiers Ltd
Aavas Financiers is the fourth-best company that is known for only one main reason: the company provides loans where other companies refuse to do so. Concentrating solely on Tier 2, Tier 3, and Tier 4 cities, Aavas has made its own space by catering to the needs of low and middle-income families, a majority of whom do not have income documentation. It is expected that Aavas will still be a leading company in the housing finance sector of the semi-urban and rural areas with a market cap of more than ₹13,000 crores in 2025 and a loan tenure that can go up to 30 years.
5. Tata Capital Housing Finance Ltd
Tata Capital Housing Finance lands in fifth place, and it is not limited to being a Tata company. By implementing digital-first features throughout the home loan process and giving quick approvals, the company has made a significant improvement, thus getting this position. Loans may be as high as ₹5 crore, and there are several types of EMI that one may use, such as step-up plans, which are suitable for young professionals who anticipate an increase in their income.
6. IIFL Home Finance Ltd
IIFL Home Finance was established in 2006 and is ranked as the 6th best home finance company due to its clear understanding of the needs of first-time homebuyers. If you are self-employed or have a low income, IIFL will still help you to own a house that as proven by its history of success in this regard. IIFL is a great example of a good balance between affordability and hard performance with its loyal customer base of more than 420,000 borrowers, a market value of over ₹13,000 crore, and a return on capital of more than 11%.
7. Home First Finance Company
Home First Finance is ranked at #7, a BIG housing finance company that has not only grown quickly but also been around for only a few years. What is so special about it? It is a complete digital loan journey and the company’s dedicated attention towards affordable housing. With a 13,000 crore market cap and earnings exceeding 35%, the company is rapidly making its way up the ladder with the major players, as evident from its performance in 2025.
8. Can Fin Homes
Can Fin Homes picks up the eighth position, a company that has been consistent in its performance over time, with a strong customer base. Supported by Canara Bank, it targets the salaried and middle-income segments, supplying loans for the entire gamut of housing requirements. In 2025, the firm is worth over ₹10,000 crores in the stock market and generates more than ₹220 crores in quarterly profits, and at the same time, it also keeps the return on capital at about 9.5%.
9. GIC Housing Finance Ltd
GIC Housing Finance is probably not the first thing that comes to mind when you think of companies that make big news, but the company still stays at your service without fail. It was established in 1989 and has been supported by the major public sector insurance companies, and has more than 75 offices spread across the country, thus keeping a steady but low-profile presence. More than ₹250 crores of quarterly revenues and a hassle-free procedure make it an excellent choice for people who are inclined towards conventional banks and have faith in their history of dealings.
10. Repco Home Finance Ltd
Repco Home Finance, a brand that has been established for a long time in the southern region of India, in particular, Tamil Nadu, Karnataka, and Andhra Pradesh, is at #10 on our list. Repco has combined not only the power of the local market with a total of over ₹2,300 crore, 11% return on capital, but also customer-centric approaches, such as special plans for senior citizens
Conclusion
See, there are many more HFCs in the country as we speak, but if you’re out there to find a company that is trustworthy and provides financial assistance as per your need, then check out these ten, and we can assure that you’ll be good for the most part. So now go ahead and give these companies and their services or options a good look-see yourself.