Sahayya Finserve Private Limited

What Sahayya Finserve Private Limited does

Sahayya Finserve Private Limited is a Bangalore-based, privately-held Indian non-banking financial company (NBFC) incorporated in 2020 that provides property-backed credit products to self-employed individuals. The company offers four core loan products — Loan Against Property, Plot Purchase + Construction Loan, Self-Construction Loan, and Home Loan — with tenures of up to 15 years for LAP, and supports these with digital self-service tools including an EMI Calculator and a Loan Prepayment Calculator on its website and mobile application. Its underwriting model blends a technology-driven lending platform with face-to-face branch interactions, enabling customized repayment schedules, flexible due dates, and a faster turnaround than traditional banks for borrowers who are typically underserved by formal credit channels.

The company operates a branch-led, sales-led go-to-market with 9 branches spread across 5 Indian states (Karnataka, Andhra Pradesh, Telangana, and Haryana), positioning physical presence as a key acquisition and servicing channel for customers with irregular income documentation. Revenue is generated primarily through interest income on the loan book, supplemented by loan processing fees (up to 5% of loan amount), application fees (up to ₹5,000), penal charges (up to 36% per annum on overdue amounts), and a range of ancillary fees for legal, document retrieval, and CERSAI services. The target customer segment is self-employed borrowers transitioning from informal to formal credit, addressed through a horizontal segmentation approach.

The leadership team is composed almost entirely of senior financial-services professionals with prior experience at large banks (ICICI, HDFC, Standard Chartered, Barclays, Bank of India, ABN Amro, GE Capital) and prior NBFC/HFC ventures (Vastu Housing Finance, SKS Microfinance/Bharat Financial Inclusion, Utkarsh Small Finance Bank, Magma Housing, Svatantra Micro Housing Finance, NCDEX). The co-founder and Chairman, Puranam Hayagreeva Ravikumar, has 50+ years of financial services experience. No external funding rounds, parent company, M&A, or institutional ownership have been disclosed in the source data.

Name

Sahayya Finserve Private Limited

Legal name

Sahayya Finserve Private Limited

Website

https://sahayyafinserve.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Sahayya Finserve is a Bangalore-based Indian NBFC founded in 2020 that provides property-backed loans — including Loan Against Property, Home Loan, and Construction Loans — to self-employed customers across 5 states via 9 branches and a technology-enabled lending platform.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Property-backed lending
• Home loan services
• Loan against property
• Construction finance
• Self-employed lending

Headquarters

HQ city

Bangalore

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan Interest Income: Sahayya Finserve generates revenue primarily through interest income on loans provided to self-employed customers, including Loan Against Property, Home Loans, Construction Loans, and Plot Purchase + Construction Loans. The company charges interest rates that depend on borrower gradation including financial strength, business environment, and past history.
2. Loan Processing Fees: Processing fees charged on loan applications up to 5% of the loan amount, plus application fees up to ₹ 5,000
3. Penal Charges: Penal charges up to 36% per annum on overdue amounts (principal, interest, or EMI overdue) for the period the amount remains overdue

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Sahayya Finserve Private Limited is a non-banking financial company (NBFC) that provides property-backed loans and home finance solutions primarily to self-employed customers in India. It offers loan against property, self-construction loans, plot purchase plus construction loans, and home loans, and operates a technology-driven lending platform across 9 branches in 5 Indian states.

Product overview

Sahayya Finserve is a unified lending platform offering four core loan products: Loan Against Property, Plot Purchase + Construction Loan, Self-Construction Loan, and Home Loan. These products are complemented by digital tools including an EMI Calculator and Loan Prepayment Calculator. The platform focuses on self-employed customers and provides personalized lending solutions with customized repayment schedules and flexible due dates, operating across 5 states with 9 branches.

Differentiator

Problem solved

Functional benefit

Products and services

• Loan Against Property Property-backed loan product offered to self-employed customers who require financing against the security of residential or commercial property they own.
• Plot Purchase + Construction Loan Combined loan product that finances the purchase of a plot and the subsequent construction of a home on it, targeted at self-employed home buyers.
• Self-Construction Loan Loan product that finances the construction of a home on a plot already owned by the borrower, designed for self-employed customers building their own home.
• Home Loan Standard home loan product for self-employed individuals seeking financing for residential property purchase.

Quantifiable outcome

• Faster turnaround time compared to traditional lending institutions
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators1 record

Expansion highlights4 records

Direct peers

• Aadhar Housing Finance: Large HFC providing home loans and loan against property to low and middle-income, predominantly self-employed customers across India. Closely comparable target segment (self-employed/LMI) and similar LAP + home loan product mix; among the most direct mid-market comparables in scale and customer profile.
• IIFL Home Finance: HFC offering home loans, LAP, and construction finance with a focus on self-employed and affordable housing segments, part of the IIFL Group. Comparable customer persona and property-backed product mix, with a national branch footprint that establishes a relevant scale benchmark.
• Shriram Housing Finance: HFC part of the Shriram Group, providing home loans and LAP to self-employed and informal-segment customers across India. Closely comparable customer profile (self-employed, informal income) and balance-sheet mortgage lending model; relevant peer for assessing competitive overlap and credit underwriting approach.
• Home First Finance Company India: HFC serving salaried and self-employed customers with home loans and LAP, with a strong technology-led origination model. Comparable in product set (home loan + LAP) and in mixing physical distribution with technology; relevant for benchmarking tech-enabled mortgage lending to the salaried/self-employed mix.
• Muthoot Homefin (Muthoot Pappachan Group): HFC within the Muthoot Pappachan Group offering home loans and LAP primarily to salaried and self-employed customers in southern and western India. Comparable product mix and regional overlap with Sahayya's Karnataka/AP/Telangana footprint, with similar self-employed focus.
• Vastu Housing Finance Corporation: Affordable housing finance company focused on self-employed and informal-income borrowers for home loans and LAP across India. Directly comparable product mix, customer segment, and loan-against-property focus; multiple Sahayya leaders (Chairman, CRO, COO, Business Heads) are Vastu alumni, making it the closest reference point for Sahayya's business model and likely scale trajectory.
• Aavas Financiers: Housing finance company focused on self-employed customers in semi-urban and rural India, offering home loans and LAP. Comparable customer persona (self-employed, informal income), comparable underwriting approach, and a public-market reference point for Sahayya's growth trajectory.
• India Shelter Finance Corporation: HFC focused on affordable housing loans and LAP for self-employed and lower-middle-income customers in tier-2/tier-3 markets. Highly comparable customer segment and branch-led affordable housing model; directly relevant peer for benchmarking Sahayya's target borrower profile and expansion playbook.

Broad incumbents

• ICICI Bank Home Loans / LAP: Universal bank with large home loan and LAP portfolio, including self-employed borrower programs. While a much larger and broader incumbent, ICICI Bank represents a key competitive benchmark for what large banks can offer self-employed borrowers; notably, Sahayya's Chairman previously served as Senior GM at ICICI Bank.
• Piramal Housing Finance: Large, diversified HFC (Piramal Group) offering home loans, LAP, and construction finance across retail and wholesale segments. Comparable product set and balance-sheet mortgage lending model, but with broader customer and geographic diversification, making it a relevant incumbent benchmark rather than a direct head-to-head competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sahayya-finserve-pvt-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sahayya Finserve Private Limited