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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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.
Commitment
Passion
Transparency
Empowerment
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.
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.
MS.Vasumathi Devi Koganti
Director
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.
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.
Mr. Alekha Charan Rout
Independent Director
Mr. Vinit Mukesh Mehta
Nominee Director
Mrs. Nethra Bhat
Nominee Director
Sudhir Kumar Seethepalli
National Credit Manager
Sudhir Kumar Seethepalli is the National Credit Manager. He has over 20 years of experience in Mortgage Underwriting. He hasextensively worked in Underwriting Secured and Unsecured products. He is been associated with IKF Home Finance for sinceJune 2023 and prior to this he worked in companies like Sundaram Home Finance Ltd., GE Money, ING Vysya Bank, ReligareFinvest, Tata Capital Housing Finance, Yes Bank etc handling different geographies in India. He is spearheading the credit functionwith the use of technology and data for providing a better experience to the customer in their loan journey with IKFHF. He is aCommerce Graduate with PGDBA in Finance from ICFAI Business School.
Yogesh Singh Chowhan
National Sales Manager
Yogesh Singh Chowhan is the National Sales Manager. He has over 22 years of experience in Mortgage Underwriting. He hasextensively worked in Mortgage and personal products. He is been associated with IKF Home Finance for since October 2023 andprior to this he worked in companies like Aditya Birla Housing Finance Ltd, Aavas financier, PNB housing, Bajaj Finance.He is spearheading the sales function with the use of technology and data for providing a better experience to the customer intheir loan journey with IKFHF. He is a science Graduate with GMPE Certification from IIM Lucknow.
Sriram Raghammudi
National Operations Manager
Sriram Raghammudi is the National Operations Manager of IKF Home Finance and comes with an extensive experience of 14years in NBFC Operations, overseeing all aspects of Operations Management and Strategic planning. He is a seasoned operationsleader with a proven ability to drive operational excellence and profitability and resilient in developing teams while improvingprocesses and increasing productivity. He has strong analytical skills with a data driven approach to problem-solving anddecision-making. He was previously associated with Piramal Capital & Housing Finance Ltd and DHFL and held significant roleslike Regional Operations Manager and Lead Disbursement Manager. He holds an MBA from SVKM’s NMIMS and a Bachelor’sdegree in Electronics and Communication Engineering from Sathyabama University. He has been associated with IKF HomeFinance since December 2023
Santosh Kumar
Internal Audit Head
With over 18+ years of experience in the Banking/Financial sector, having core key skills in Risk domain with specialisation of Auditfunctionalities. Currently associated with IKF Home finance Ltd., since Dec’21 as Head of internal audit department, managing PANIndia Team of Auditors and Process control units with Risk-based internal audit approach (RBIA) Previously worked with companieslike Muthoot Home Finance, HDB Financial services and India bulls etc.,
Relevant educational knowledge with multiple PG’s, holds M.Com., from Kakatiya University, MBA from National Institute ofBusiness Management, and pursuing CIA presently Experienced in Internal Audit of Affordable Home Loans, Branch & Field Audit,Credit Audit of SL & USL products; and underwriting of USL products like BL, Salaried, PLI.
Girdhar Vellore
National Collections Manager
Giridhar Vellore is the National Collections Manager of IKF Home Finance, He is responsible for managing the collections vertical ofthe company. Giridhar comes with over 20 years of experience in Risk Management and Collections. He has previously associatedwith reputed companies like Fullerton India, American Express, and SBI Cards, he comes with a vast experience within the financeindustry, and he specializes in leveraging technology, usage of innovative collection models, and scorecards to suit organizationgoals. He is an MBA – Finance Graduate from Madras University. He has been associated with IKF Home Finance since June 2022.
Komal Ratlani
Chief Compliance Officer
With an experience of 7 years Ms. Komal Ratlani is an experienced and highly skilled Company Secretary with expertise incorporate governance, legal compliance, and regulatory affairs. She has a comprehensive understanding of corporate laws andregulations and plays a crucial role in ensuring the company’s adherence to statutory obligations. With excellent communicationand organizational skills, she efficiently manages board meetings, maintains company records, and facilitates effectivecommunication between the board of directors and shareholders. Her commitment to upholding ethical practices andpromoting transparency contributes to the company’s strong corporate governance framework.
Previously she had been associated with companies like Keertana Group and Aurobindo Group and is currently associated withIKF Home Finance since November 2024.
Sonti Thirumala Srinivasa Reddy
Head Product & Policy
Srinivas Reddy is the Head Product & Policy. He is a commerce graduate has over 20 years of experience in Administrative,leadership and Management in the area of Home Loans and Mortgage Sales. He is associated with IKF Home Finance sinceNovember 2019 joined as Sales Head for TG & AP, played a instrumental role in increasing the business volume as well as thebranch network and prior to this he worked in companies like HDB, Chola, ING Vysya, SCFL etc
