ABHFL Expands Access to Affordable Homeownership with Pragati Home Loan

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Ravindra Kirti Founder GGF
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Pragati Home Loan by Aditya Birla Housing Finance Limited (ABHFL) underscores the brand’s commitment to financial inclusion and accessible homeownership. Tailored for both salaried and self-employed customers—including those without formal income proof—the product offers enhanced flexibility across eligibility, documentation, and property categories. With minimal paperwork, seamless digital onboarding, and repayment tenures of up to 30 years, Pragati Home Loan makes owning a home both affordable and sustainable, aligning with India’s vision for inclusive and equitable urban development.

 

Aditya Birla Housing Finance Limited – Pragati Home Loan


Key Benefits

  • Loan amount: From 5 Lakhs to 1.5 Crore

  • Tenure flexibility: Up to 30 years, to ensure smaller/flexible EMIs

  • Loan upto 90% of property’s market value

  • End use for Builder Purchase, Resale, Plot plus Construction, Home Construction, Home Extension & Home Improvement 

  • Minimal documentation: Tailored for salaried and self-employed individuals with or without ITR

  • Digital onboarding + Track My Loan: Seamless loan journey with transparency.

  • Doorstep service: Guidance and support at the customer’s convenience.


Eligibility

  • Age – minimum 21 years

  • CIBIL: 675 & above/NTC 

  • Minimum Income: Salaried: Rs. 7,000 /month & Self Employed: Rs. 1 Lakh/ annum

  • Minimum Work Experience/Business Vintage :3 years  


Why It Matters
India’s affordable housing segment continues to expand, driven by rising demand from aspiring homeowners across low- and middle-income groups. Pragati Home Loan bridges this gap through simplified documentation, flexible eligibility norms, and high loan-to-value (LTV) support, enabling more families to transition into formal homeownership. By empowering these aspirations, the offering strengthens India’s affordable housing ecosystem and advances the nation’s vision of inclusive and sustainable urban development.


To know more click on – Aditya Birla Housing Finance- Pragati Home Loan


Aditya Birla Housing Finance, a subsidiary of Aditya Birla Capital, India’s leading diversified financial services provider, stands as one of the fastest-growing housing finance companies in the country. The company is backed by the highest level of creditworthiness, holding a long-term AAA (Stable) rating and a short-term A1+ rating from CRISIL, ICRA & India Ratings. As of September 30, 2025, Aditya Birla Housing Finance manages assets under management of over Rs. 38,270 Crore with a footprint of 167 pan-India branches.

 

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Ravindra Kirti Founder GGF
Ravindra Kirti is a well-rounded Marketing professional with an impressive academic and professional portfolio. He is IIM Calcutta alumnus & holds a PhD in Commerce, having written an insightful thesis on consumer behavior and psychology, which informs his deep understanding of market dynamics and client engagement strategies. His academic journey includes an MBA in Marketing, where he specialized in strategic management, international marketing, and luxury retail management, equipping him with a global perspective and a strategic edge in high-end market segments. In addition to his business expertise, Ravindra is also academically trained in law, holding a Master’s in Law with specializations in law of patents, IT & IPR, police law and administration, white-collar crime, and corporate crime. This legal knowledge complements his role as the Chief at Jurislaw Partners, where he applies a blend of legal acumen and strategic marketing. With such a rich educational background, Ravindra excels across a range of fields, from legal marketing to luxury retail, and event design. His ability to interlace disciplines—commerce, marketing, and law—enables him to drive successful outcomes in every venture he undertakes, whether as Chief at Jurislaw Partners, Editor at Mojo Patrakar and Global Growth Forum, Founder of CircusINC, or Chief Designer at Byaah by CircusINC. On a personal note, Ravindra Kirti is not only a devoted pawrent to his pet, Kattappa, but also an enthusiast of Mixed Martial Arts (MMA) and holds a Taekwondo Dan 1. This active lifestyle complements his multifaceted career, reflecting his discipline, resilience, and commitment—qualities he brings into his professional relationships. His bond with Kattappa adds a warm, grounded side to his profile, showcasing his nurturing and compassionate nature, which shines through in his connections with clients and colleagues. Ravindra’s career exemplifies versatility, intellectual depth, and excellence. Whether through his contributions to media, law, events, or design, he remains a dynamic and influential presence, continually innovating and leaving a lasting impact across industries. His ability to balance these diverse roles is a testament to his strategic vision and dedication to making a difference in every field he enters.
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