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About Us

Varashakti Housing Finance is an emerging Housing Finance Company headquartered in Chennai, focused on enabling access to affordable housing for underserved families in semi-urban and rural regions across South India.

With a growing network of 54+ branches across Tamil Nadu, Karnataka and Telangana and the Union Territory of Puducherry, VHFL offers customised home loan solutions to low and middle-income households who remain outside the ambit of formal credit.

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Home Loan

Products

We offer a focused range of affordable housing finance solutions tailored to the needs of informal and underserved households.

Home Improvement

LAP

Group Loans

Insurance

Our Presence

Tamil Nadu
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Karnataka
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Andhra Pradesh
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Pondicherry
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54 branches in 3 states and 1 union teritorry

We have a strong presence in South India with our network of 31 branches in Tamil Nadu, 11 branches in Karnataka and 10 branches in Andhra Pradesh and 2 branches in Pondicherry. Our teams work closely with communities in semi-urban and rural locations, ensuring last-mile access to affordable housing finance where it is needed most.

Beyond Profit

Synergy with Hand in Hand

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Gender Lens

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Climate Resilience & Adaptation

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WASH

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Management Team

Dr. Kalpanaa Sankar

Managing Director & Chief Executive Officer

Karthik Dharmapuri

Chief Operating Officer

Sahaana Sankar

Chief Strategy Officer

Anantharaman B

Chief Financial Officer

Poonkuzhali K

Chief Technology Officer

KB Balakumaran

Vice President, Portfolio Management

VinodKumar L

Business Unit Head – South

Bagavathiappan S

Business Unit Head – TN

Karuppusamy N

SBU Head - MFI & Special Projects

Rajapriya S

Head - HR

Ramraj M

Head - L& OD

Santhy T

Head – Credit

Karthisen Narendran

General Manager – IT

Ramesh A

Head - Collections

Srinivas Krishnaswamy

Lead - Social Performance Management

Sathya Narayanan

Head - Operations

Ponmani

Head - Technical

Venkatesh

Head - Legal

Bharatha Chakravarthi

Chief Compliance Officer

Partners