IKF Home Finance

About us

Who We Are

IKF Home Finance is a new age housing finance company rooted in the exceptional experience, values and track record of IKF in financing business and driven by the vision to transform lives in a new, thriving, aspirational India through flexible home loans.

We bring the promise of the IKF group to make our customers happy and successful. We are intensely focused on delivering home financing services that enable the present day upwardly mobile Indians – employed or self-employed. Our cornerstone is ease, simplicity, speed, and flexibility. Our pride is in staying with the customer in his/her journey to realize their dreams through our personalized and exceptional service. Our strength is our commitment to quality, professionalism and governance.

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Why Us

We give flight to your aspirations

We bring a great legacy in serving customers with finance solutions, a track record of trust & reliability, and promise of quality, transparency and innovation.

We are led by an exceptionally qualified, experienced and dedicated team of professionals, who understand the needs of the segment they serve and come with expertise in Finance, Project Management, Customer Services and Market Development.

We believe in rendering services marked by innovation, sustainable impact and long-term success for the client. We strive to keep our processes simple, hassle-free and quick, offering not just financial assistance, but also a happy experience of making dreams a reality through our support.

Accessibility through our strong network of service providers and relationship officers in the locations that we operate in.
Robust service delivery model.
Quick and simplified loan disbursal process.
Exceptional service post loan disbursement.
Loan amount enhancement facility to offset cost escalation.
Experienced team, committed Leadership.
Business strategies rooted in ethics, integrity, transparency and corporate governance.


Deliver on our promise to all stakeholders, provide value in every interaction that exceeds the expectations of our customers through commitment, service excellence & professionalism.


Make a positive difference and create sustainable impact – by bringing energy & enthusiasm to everything we do, staying focused on long-term goals, and going the extra mile in making our customers successful.


Foster a culture of fairness, openness and process-orientation. Drive all our actions, decisions and behaviors with the highest standards of Integrity, Ethics and Compliance.


Encouraging employees to take ownership and accountability that enables them to realize and give their best. Enabling and enriching the lives of the all our stakeholders through our best efforts.
Vision Mission Purpose
To be the most preferred & trusted housing finance company that helps people build their dream homes
Provide housing finance assistance through customized products to underserved segment
Transforming Lives through Flexible Financial Solutions

Our Legacy

IKF Finance Limited, our parent company, is a financing giant with core services in vehicle finance – purchase of Commercial Vehicles, Tractors, Cars and Multi Utility Vehicles.

IKF Finance Limited, our parent company, is a financing giant with core services in vehicle finance. Since its inception in 1991, the company has been rendering exceptional customer-centric services and has served over — customers. Today, IKF stands as a pioneer in the finance arena and has gained immense trust with a large customer base, through good governance and strong service network.

In 1994, IKF became a Public Limited Company (IKF Finance & Investments Limited); and in 1998, with an intention to primarily focus on financing activities, the company transformed into IKF Finance Limited. In March 2015, Motilal Oswal —– has become a strategic investment partner for IKF Finance Limited.

IKF Home Finance is a subsidiary of 30 yr old NBFC IKF Finance. We have received license from NHB with an objective of PROVIDING HOUSING FINANCE ASSISTANCE to underserved segment of society. ……..

Our Leadership


V.G.K. Prasad

Founder & Director

Our visionary leader behind IKF, Mr. V.G.K. Prasad, our Founder and Director. With a legacy dating back to 1991, he is a true veteran in the field of Vehicle Finance. His extensive experience and dedication to the industry have earned him a prominent place in the sector.

Mr. Prasad’s commitment to excellence extends beyond IKF. He has served as the President of the Krishna District Auto Financiers Association and held the prestigious position of President at the Federation of Indian Hire Purchase Associations (FIHPA), further showcasing his leadership and influence in the industry.

In addition to steering IKF to success, Mr. Prasad has also forged strategic partnerships with industry giants such as BHPC (Bureau of Hire Purchase and Credit) of TELCO, HDFC Bank, Sundaram Finance, and many more. His ability to foster such collaborations demonstrates his knack for building strong industry connections.

Under his guidance, IKF continues to thrive and innovate, driven by his unwavering dedication to the world of Vehicle Finance. Mr. V.G.K. Prasad’s enduring legacy and visionary leadership continue to inspire the IKF team as we chart our path toward a brighter future in the world of finance.

Vasantha - MDv1

MS.Vasantha Lakshmi V

Managing Director

She is daughter of our esteemed Founder, V.G.K. Prasad. With a decade of dedicated service to the IKF Group, she brings a wealth of knowledge and a relentless passion for excellence to her role.

A Bachelor of Pharmacy graduate, Vasantha Lakshmi’s journey in the corporate world began with a prominent administrative role in a leading US pharmacy chain. Her experience in managing operations and teams has been invaluable in shaping her leadership capabilities.

In her initial years with IKF Finance Ltd, she assumed responsibility for overseeing operations in Western India. During her tenure, she not only expanded our branch network across the region but also demonstrated exceptional skill in managing our workforce. This led to enhanced operational efficiency and contributed significantly to our business growth.

In 2017, Vasantha Lakshmi transitioned seamlessly to IKF Home Finance Limited, where she has continued to shine as the Managing Director. Under her visionary leadership, our Assets Under Management (AUM) soared past 500 crores in 2022, reaching an impressive 800 crores. Her strategic acumen and unwavering commitment have been instrumental in expanding our branch network and strengthening our workforce.

Vasantha Lakshmi’s dynamic leadership is built upon a foundation of diverse experience and a deep understanding of the industry. Her exceptional guidance has been pivotal to our organization’s success, and we eagerly anticipate her continued visionary direction as we embark on a promising future.

K Vasumathi Devi (1)

MS.Vasumathi Devi Koganti


Ms. Vasumathi, a prominent figure in the leadership team of IKF Finance and the daughter of our esteemed Founder, V.G.K. Prasad. With an impressive 15-year tenure with IKF Finance, she brings a wealth of experience and expertise to her role.

Before joining IKF Finance, Ms. Vasumathi had an illustrious career in IT and Telecommunications spanning over a decade in the USA. Her background in this dynamic field has enriched her leadership capabilities and brought a global perspective to her role.

As the director overseeing the overall Vehicle Financing business, Ms. Vasumathi plays a pivotal role in shaping the company’s credit policies, technological advancements, and system enhancements. Her leadership has been instrumental in driving the growth and success of this vital segment.

One of Ms. Vasumathi’s remarkable achievements was spearheading the expansion of IKF into Western and Central India. Her strategic vision and execution skills led to the company’s successful presence in these regions. Additionally, she played a crucial role in upgrading our IT infrastructure and automating various critical processes, enhancing efficiency and customer experience.

Ms. Vasumathi holds a Bachelor’s degree in Electronics and Communication Engineering and an MBA in Global Management from the USA. Her diverse educational background, coupled with her extensive industry experience, makes her an invaluable asset to the IKF Finance team.

Ms. Vasumathi’s leadership is characterized by innovation, adaptability, and a relentless commitment to excellence. Her contributions continue to drive IKF Finance’s growth and success in the competitive financial landscape.

Radhey Shyam Garg

Mr. Radhey Shyam Garg

Independent Director

Mr. Radhey Shyam Garg, a distinguished Independent Director on our board. With a career spanning diverse sectors, his invaluable contributions and expertise have been instrumental in shaping our organization.Mr. Garg’s journey in the legal field began with his practice at the esteemed Delhi High Court, where he honed his skills and built a solid foundation in law until July 1983. Following this, he ventured into the corporate world and joined the Industrial Development Bank of India (IDBI) as a Law Officer, where he served with distinction until 1989.

In February 1989, Mr. Garg embarked on a new chapter in his career by joining the National Housing Bank (NHB) as a Manager. His exceptional capabilities and dedication led to a series of key positions within NHB, culminating in his appointment as Executive Director in November 2011. He continued to serve NHB with distinction until his well-deserved superannuation in April 2017.

Presently, Mr. Garg has returned to his roots as a practicing Advocate at the Delhi High Court, bringing a wealth of legal expertise to his role. Additionally, he serves as a corporate consultant in the domain of mortgage finance, sharing his insights and knowledge with the industry.

Notably, Mr. Garg is the founder and Chairman of the Advisory Board of Pioneer Housing Finance Academy, reflecting his commitment to nurturing talent and excellence in the field of housing finance.

His multifaceted career journey, encompassing legal practice, banking, and advocacy, has made Mr. Radhey Shyam Garg a valuable asset to our organization. His extensive experience and deep industry insights continue to guide us towards success and excellence.

Purna Chandra Rao Vankinen

Mr. Purna Chandra Rao Vankineni

Independent Director

Meet Mr. Purna Chandra Rao Vankineni, a distinguished figure in the world of Vehicle Finance and Management, whose illustrious career spans over four decades. With a wealth of experience and a legacy of excellence, he brings invaluable insights to his role as an Independent Director.

Throughout his illustrious career, Mr. Vankineni has held leadership positions and made significant contributions to the industry. He served as the President of the Andhra Pradesh Asset Finance Association in Vijayawada, where he played a pivotal role in shaping the direction of the industry at the regional level.

His commitment to the sector also extended to the national stage, where he served as a Governing Council Member and Treasurer of the Federation of Indian Hire Purchase Association, reflecting his dedication to the broader industry’s growth and development.

Beyond his contributions to the financial sector, Mr. Vankineni has been deeply involved in the field of education. He served as the Past Correspondent of Sir C.R. Reddy Educational Institutions in Eluru, showcasing his commitment to nurturing future generations.

Mr. Vankineni’s entrepreneurial spirit is evident in his roles as the Managing Director of Vankineni Hire Purchase & Leasing Private Limited and Vankineni Finance and Investments Private Limited. These ventures have further enriched his understanding of financial management and industry dynamics.

As an Independent Director at IKF Finance, Mr. Purna Chandra Rao Vankineni brings a wealth of experience, industry knowledge, and a commitment to excellence that is invaluable to our organization’s continued growth and success. His multifaceted career and dedication to various facets of business and society make him a respected and influential leader in his field.

Aryendra Kumar - ED & CEO

Mr.Aryendra Kumar

Executive Director and CEO

Mr. Aryendra Kumar is a seasoned professional with nearly three decades of experience in the banking and financial services industry. His extensive background encompasses a wide range of retail banking products, both secured and unsecured lending offerings. Additionally, he has a proven track record in the IT service sector, successfully managing large portfolios in Mortgage finance, spanning both rural and urban areas. Mr. Kumar’s expertise extends to Affordable housing finance, Retail Housing Finance, Construction Finance, Business Analysis, IT Domain related to consumer finance, and Human Resource Management.

Throughout his career, Mr. Aryendra Kumar has held senior management positions at various banks, Housing Finance Companies (HFCs), and financial services firms, including NCML Finance Pvt. Ltd, Ujjivan Small Finance Bank, Tata Capital Housing Finance Ltd, Tech Mahindra, and Citibank NA. His international exposure includes work in Denmark and the UK, and he has extensively travelled to other countries during his previous assignments.

Mr. Kumar joined IKFHFL in its early stages, playing a pivotal role in its growth. He initiated the recruitment of a senior team and kickstarted business operations in Telangana, Andhra Pradesh, and Maharashtra. Subsequently, he expanded the company’s footprint to Karnataka and Tamil Nadu. Under his leadership, the company has achieved an impressive 800 Crore Assets Under Management (AUM) with minimal delinquency rates, showcasing his exceptional skills and strategic vision.

Mr.Sridhar Mallu

Chief Operating Officer

With an impressive career spanning over two decades in the mortgage industry, Sridhar brings a wealth of knowledge and expertise to our team. His diverse experience covers crucial areas such as sales, business development, credit management, collections, and strategic planning.Sridhar’s journey in the financial sector has been marked by his association with renowned organizations, including GE Money, Tata Capital Housing, Ujjivan Small Finance Bank, Navi, and several others. These experiences have honed his skills and deepened his understanding of the intricacies of the mortgage industry.

Notably, during his tenure at Navi, Sridhar led the development of a groundbreaking digital platform. This platform was designed to streamline loan origination processes, making them paperless, frictionless, and entirely automated. His focus on enhancing customer convenience set a new standard in the industry.

At Ujjivan Small Finance Bank, Sridhar demonstrated his remarkable capabilities by establishing and expanding the credit vertical for affordable housing finance and MSME. This accomplishment underscores his expertise in building and scaling successful affordable housing businesses.

As our COO, Sridhar Mallu’s wealth of experience, innovative thinking, and deep industry knowledge will be invaluable in guiding our housing finance business toward greater heights. We look forward to his leadership and contributions as we continue to serve our customers with excellence and innovation in the housing finance sector.

Mr.Lakshmi Kanth Ch

Head Risk & Credit Compliance

He is a versatile professional whose expertise spans a range of critical domains, including risk management, credit compliance, internal audit, digital implementation, and product and policy development. With a remarkable career spanning over 18+ years, Lakshmi Kanth has consistently delivered outstanding performance in a quantitative environment. His extensive experience in credit underwriting and risk management encompasses a diverse portfolio, including Home Loans, Mortgage Loans, Gold Loans, Commercial Vehicle Loans, and Health Care Equipment Loans. Lakshmi Kanth’s proven track record in these domains reflects his deep understanding of the financial landscape and his ability to navigate complex challenges.

Throughout his career, Lakshmi Kanth has made meaningful contributions to various Banks and Financial Services companies. His journey includes significant roles at Ujjivan Small Finance Bank, Karvy, Deutsche Postbank Home Finance Ltd, and Reliance Capital, where he honed his skills and gained invaluable industry insights.In his previous role as Area Credit Manager for Karnataka at Ujjivan Small Finance Bank, Lakshmi Kanth demonstrated his leadership and management capabilities by overseeing and managing credit operations in a key region.

Educationally, Lakshmi Kanth holds an MBA in Finance from Nagarjuna University, which underpins his strong financial acumen. Additionally, he has earned the prestigious Chartered Financial Analyst (CFA) designation from ICFAI University, further attesting to his commitment to professional excellence.

As a seasoned professional in the financial sector, Mr. Lakshmi Kanth brings a wealth of experience, strategic thinking, and a deep understanding of risk management to our team. His role in spearheading risk, credit compliance, internal audit, digital transformation, and product and policy development is instrumental in ensuring the continued success and growth of our organization. We look forward to his contributions and leadership in these vital areas of our business.

Aravind - CFO

Mr.Aravind J

Chief Financial Officer

He is a distinguished finance professional with a remarkable career spanning more than 14 years. Aravind is a Chartered Accountant and a Cost Accountant, and his extensive expertise covers a wide spectrum of financial domains. In his previous role at Sundaram Finance Limited, Aravind showcased his financial prowess and strategic acumen. Prior to that, he made significant contributions at Belstar Investment and Finance Private Limited, HDFC Sales Private Limited, and as an audit partner at Dhayanidhi & Co.

One of Aravind’s notable achievements is his extensive audit experience, which includes conducting audits for various TVS Group of Companies, such as Brakes India, Wheels India, and Turbo Energy. His audit portfolio extends to several other esteemed organizations, including NLC, Symrise Pvt Ltd, Schwing Stetter India, Taj Group, Tata Tea Estates, and Reliance Communications.

Aravind’s expertise encompasses a wide range of financial disciplines, including Audit, Accounts, Compliance, Credit Underwriting of Home Loans, Management Information Systems (MIS), Treasury, and Taxation. His diverse skill set and in-depth industry knowledge make him an invaluable asset to our organization.

Additionally, Aravind’s international experience includes leading assignments in Oman, reflecting his global perspective and adaptability in handling complex financial matters.

As our CFO, Aravind plays a pivotal role in steering the financial strategy and management of our organization. His rich experience and dedication to financial excellence contribute significantly to our continued growth and success in the dynamic financial landscape. We are privileged to have Aravind as a key member of our leadership team, and we look forward to his continued contributions to our financial journey.


Girdhar Vellore

National Collections Manager

Mr.Giridhar holds the responsibility of overseeing and managing the collections vertical of our company, a role that he executes with exceptional expertise and dedication. Giridhar brings a wealth of experience, spanning over two decades, primarily in the fields of Risk Management and Collections. His illustrious career has seen him associated with renowned organizations, including Fullerton India, American Express, and SBI Cards, where he made significant contributions to the finance industry.

One of Giridhar’s key strengths lies in his deep understanding of leveraging technology and innovative collection models to align with organizational objectives. He has consistently demonstrated his ability to adapt and harness the power of technology to enhance collection strategies effectively. His proficiency in using scorecards to drive collection efficiency is a testament to his analytical acumen and strategic thinking. These skills have contributed to his successful track record in managing and optimizing collections processes.

Giridhar’s academic background includes an MBA in Finance from Madras University, which forms the foundation of his financial knowledge and expertise.

As the National Collections Manager at IKF Home Finance, Giridhar Vellore plays a pivotal role in ensuring the efficient management of our collections vertical. His vast experience, innovative approach, and commitment to excellence are instrumental in achieving our organization’s collection goals and objectives. We are privileged to have Giridhar as a vital member of our team, and we look forward to his continued contributions in enhancing our collections strategies and performance.