Management Team
Anand Srinivasan
Regional Business Head - South
Sunil Kumar Pradhan
Head of Operations
Lakshmi Kanth C H
AVP - Credit
Management Team
Mohan Naidu has 20+ years of proven experience in credit underwriting of Home Loans, Mortgage Loans.
Mohan has worked with several banks and financial services companies including Citi Bank Shelters, Standard Charted Bank, ING Vysya Bank, DHFL, IIFL and SBFC (Small Business Fin Credit Pvt.Ltd.).
He worked with SBFC – Small Business Fin Credit Pvt.Ltd (formerly known as Karvy Financial Services Ltd) as Location Credit Head in his last assignment. He has an MBA.
Ministry of Housing and Urban Poverty Alleviation (MoHUPA) has introduced in June 2015, an interest subsidy scheme called Credit Linked Subsidy Scheme (CLSS) under Pradhan Mantri Awas Yojana (URBAN)-Housing for All, for purchase/construction/extension/improvement of house to cater Economical Weaker Section(EWS)/Lower Income Group(LIG)/Middle Income Group (MIG), given the projected growth of urbanization & the consequent housing demands in India.
+ Eligibility:
+ For More Details:
Anand Srinivasan has 13+ years’ experience in Administrative, leadership and Management in the area of retail and commercial banking for Home loans and Mortgage loans.
Anand has worked with several leading banks and financial services companies, including HSBC, IndusInd, Federal, IIHFL and GE.
Anand worked as ZSM with IIHFL during his last assignment.
Anand has an MBA in International Business from Hyderabad.
Lakshmi Kanth is a multi-faceted professional with 13+ years of proven experience in credit underwriting of Home Loans, Mortgage Loans, Gold Loans, Commercial Vehicle Loans & Health care Equipment Loans.
Lakshmi Kanth has worked with several Banks and Financial services companies including Ujjivan Small Finance bank, Karvy, Deutsche Postbank Home Finance Ltd & Reliance Capital.
Lakshmi Kanth worked as Area Credit Manager for Karnataka with Ujjivan Small Finance Bank during in his last assignment.
Dheeraj Bilgikar has 14+ years’ experience in Banking and Micro finance. He has worked with several leading banks and financial services companies, including ING Vysya, HDFC and Ujjivan.
Prior to IKF Home Finance Ltd, Dheeraj served as Regional Operations Manager(south) and Chief – Cash Management & Projects Implementation with Ujjivan Financial Services Private Limited. He was the integral part of the Bank transition team at Ujjivan and held the position as National Manager – ATM Business in his last assignment with Ujjivan Small Finance Bank Limited.
Dheeraj has an MBA in Finance from Bangalore University.
Sunil Kumar Pradhan, has 16+ years experience in Operations Management, Credit Management, Strategic Planning and Training, Project Management, Team Management and Customers Services.
Sunil has worked with Several Financial Services Companies which includes GE, Kotak Home Finance, India Bulls, Capital First, Bajaj Finserve, Religare Finvest Ltd.
He worked as Zonal Credit Operation Head – South, for Religare Finvest Ltd, in his last assignment.
He has a MBA (Finance & Marketing) from Punjab Technical University.
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This calculator provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.
Mortgage your commercial property with IKF Home Finance for financial assistance to meet your unique needs in a quick and hassle-free way.
+ Eligibility:
+ Loan amount (INR Lakhs): 5 to 50
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: Up to 12 years
+ Interest Rate (%): 17.75 to 19.75
+ Loan to Value (%): Up to 55
Mortgage your residential property with IKF Home Finance for financial assistance to meet your unique needs in a quick and hassle-free way.
+ Eligibility:
+ Loan amount (INR Lakhs): 5 to 50
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: Up to 12 years
+ Interest Rate (%): 17.75 to 19.75
+ Loan to Value (%): Up to 60
Transfer your current home improvement loan to IKF Home Improvement Loan, along with increase in loan amount (top up) to meet your enhanced needs and enjoy the many benefits of IKF.
+ Eligibility:
+ Loan amount (INR Lakhs): 3 to 20
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: 3 to 10 years
+ Interest Rate (%): Up to 15.75
+ Loan to Value (%): Up to 70
Avail refinance for the work done in last 9 months towards your current home improvement loan to IKF Home Improvement Loan (Extension / Renovation) to enjoy the many benefits of IKF.
+ Eligibility:
+ Loan amount (INR Lakhs): 3 to 20
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: 3 to 10 years
+ Interest Rate (%): 13.75 to 15.75
+ Loan to Estimated cost of work to be undertaken (%):
Up to 90 (Loan to Value of property not exceeding 70%)
Financial assistance to renovate an existing house by furnishing it / adding modern fixtures / undertaking repairs to extend its life.
+ Eligibility:
+ Loan amount (INR Lakhs): 3 to 20
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: 3 to 10 years
+ Interest Rate (%): 13.75 to 15.75
+ Loan to Estimated cost of work to be undertaken (%):
Up to 90 (Loan to Value of property not exceeding 70%)
Financial assistance to extend an existing house by adding additional space/floors.
+ Eligibility:
+ Loan amount (INR Lakhs): 3 to 20
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: 3 to 10 years
+ Interest Rate (%): 13.75 to 15.75
+ Loan to Estimated cost of work to be undertaken (%):
Up to 90 (Loan to Value of property not exceeding 70%)
Transfer your current home loan to IKF Home Loan, along with increase in loan amount (top up) to meet your enhanced needs.
+ Eligibility:
+ Loan amount (INR Lakhs): 5 to 100
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: 3 to 20 years
+ Interest Rate (%): UP to 14.75
+ Loan to Value (%): Up to 80
Avail refinance for the investment done in last 9 months to enjoy the many benefits of IKF.
+ Eligibility:
+ Loan amount (INR Lakhs): 5 to 75
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: 3 to 20 years
+ Interest Rate (%): 12.75 to 14.75
+ Loan to Value (%): Up to 80
Financial assistance to purchase a plot and construct your house.
+ Eligibility:
+ Loan amount (INR Lakhs): 10 to 100
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: 3 to 20 years
+ Interest Rate (%): 11.75 to 14.75
+ Loan to Value (%): Up to 80
Financial assistance for construction of a house on a plot owned by you.
+ Eligibility:
+ Loan amount (INR Lakhs): 10 to 100
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: 3 to 20 years
+ Interest Rate (%): 11.75 to 14.75
+ Loan to Estimated cost of Construction (%): Up to 90 (overall LTV not exceeding 80%)
Financial assistance to purchase a constructed house or an under construction property.
+ Eligibility:
+ Loan amount (INR Lakhs): 5 to 100
+ Repayment:
Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System.
+ Tenure: 3 to 20 years
+ Interest Rate (%): 11.75 to 14.75
+ Loan to Value (%): Up to 75
