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Housing Finance

Godrej’s lasting legacy over the years with locks, soaps, and homes - to name a few, is second to none. From this proud legacy, stems an opportunity to build something exciting once again. Introducing Godrej Housing Finance- where we aim to finance home loans that understand what’s important to you. This a company that is deeply rooted in the values of making you, our customers, realize your dreams.

Godrej One

Godrej Group

Established in 1897, the Godrej Group has its roots in India’s Independence and the Swadeshi movement. Our founder, Ardeshir Godrej, lawyer-turned-entrepreneur first struck gold with a locks business.

Today, we enjoy the patronage of 1.1 billion consumers globally across consumer goods, real estate, appliances, agriculture and many other businesses. In fact, our geographical footprint extends beyond planet Earth, with our engines now powering many of India’s space missions.

With a revenue of over USD 4.1 billion, we are growing fast and have exciting aspirations ahead of us. Our vision for 2020 is to be 10 times the size we were in 2010.



Board of Directors

Pirojsha Godrej
Pirojsha Godrej

Pirojsha is the Chairman of Godrej Properties, Godrej Housing Finance, and Godrej Fund Management. Pirojsha graduated from the Wharton School of Business in 2002, completed his Masters in International Affairs from Columbia University in 2004, and an MBA from Columbia Business School in 2008. He joined GPL in 2004, became an Executive Director in 2008, and was appointed CEO of Godrej Properties Limited (GPL) in 2012. He has led the company through a phase of rapid growth. In Financial Year 2016, GPL for the first time became India's #1 publicly listed real estate developer by residential sales, a position it has retained for the past 5 years. Under his leadership, GPL has been at the forefront of the sustainable development movement; in 2013, GPL received an award from former President of India, APJ Abdul Kalam for being one of the companies in India from across sectors to have driven the green building movement. GPL in 2016 was ranked #2 in Asia and #5 in the World in terms of its sustainability performance in the Global Real Estate Sustainability Benchmark Report. The Indian Green Building Council (IGBC) has awarded Pirojsha the IGBC Green Champion Award 2016 for his contribution to the sustainability of India's built environment. In 2017, Pirojsha was appointed the Executive Chairman of Godrej Properties. He also assumed the role of Executive Chairman of Godrej Fund Management. In 2019, Pirojsha founded and became the Chairman of Godrej Housing Finance.

Pirojsha Godrej
Mrs. Rosemary Sebastian

Mrs. Rosemary is a former career central banker with a professional track record spanning 38 years. She served as the Executive Director of the Reserve Bank of India in charge of its financial supervision function (NBFCs & Cooperative banks). Her areas of expertise are central banking, regulation and supervision of banking and non-banking entities, financial inclusion, consumer protection, public debt management and internal audit among others. She was associated with the work and recommendations of important committees of the Reserve Bank. She was a Member of the Board of Supervision of NABARD and the Reserve Bank’s Nominee Director on the Board of a large public-sector bank. She is a post graduate from Osmania University and has a degree in law from Mumbai University.

Pirojsha Godrej
Manish Shah

Manish is the Managing Director and Chief Executive Officer at Godrej Housing Finance. He has spent over 22 years in financial services in diverse businesses such as secured and unsecured lending, credit cards, wealth management and life insurance with Citibank, AEGON and Bank of Baroda in India and in the US. He has held leadership roles in organizations ranging from MNCs, Public Sector enterprises to co-founding a start-up that was later acquired by Newscorp, making it one of India’s earliest fintech exits to a large global organization. These stints involved setting up large distribution networks across the country, strategic business development, institutional fund-raising and building analytics & risk management frameworks, often from the ground up. He is an alumnus of the Indian Institute of Management, Ahmedabad.


The Leadership Team

Pirojsha Godrej
Kunal Karnani

Kunal is a Chartered Accountant, a Certified Information Securities Auditor (from ISACA USA) and has a Post Graduate Diploma in Law specialising in Securities and Financial Laws. His, over 20 years of experience includes being in leadership roles across large organisations such as being the CFO of the HFC of Shriram Group and Paytm, where he was leading business in financial services and also as the CFO of Paytm Money. Prior to this he was a consultant with Bank of Baroda group company – Nainital Bank and was involved in launching a Digital Bank. He took over as the CFO of Sharekhan in 2007 where he managed the management buyout with Citi Venture Capital and raised capital from various marquee investors such as Baring Private Equity Asia & IDFC Private Equity. He led the purchase of the Sharekhan Group by BNP Paribas SA in a USD 400 million transaction. At GHF, Kunal heads Finance, Accounting, Compliance and the Secretarial functions.

Pirojsha Godrej
Pankaj Gupta

Pankaj is the Chief Business Officer at Godrej Housing Finance. In over 21 years of experience with reputed organizations like Bajaj Finserv, Kotak Bank, HDFC Bank and Asian Paints where he handled large scale business roles. At Bajaj Finserv, Pankaj was a part of leadership team that built the direct business model for the mortgage business, making it an industry first. Pankaj has deep expertise in managing P&Ls for both retail assets & liabilities business in the financial services industry. Pankaj holds a Post Graduate Diploma from Emeritus Singapore and has completed his executive education from Indian Institute of Management, Calcutta.

Pirojsha Godrej
Shalinee Mimani

Shalinee is the Chief Risk Officer at Godrej Housing Finance. A Cost Accountant and a rank holder Chartered Accountant, she has spent over 25 years in different areas of risk management. Starting her career with Bank of America, she has worked with leading MNCs, Pvt Sector Banks and NBFCs such as ABN Amro, HDFC Bank, Barclays, Fullerton India and Edelweiss Financial Services. She has had oversight over key functions like policy, control, underwriting, collections and compliance for retail asset portfolios such as unsecured personal loans, home loans, loans against property, SME business loans to name the most relevant. Shalinee leads risk at GHF and is tasked with building a strong risk culture across the company.

Pirojsha Godrej
Jyothirlatha B

Jyothirlatha is the Chief Technology Officer at Godrej Housing Finance. With a career of over 25 years in technology, she has spent close to a decade each in ICICI Bank and TCS in various roles. She lead the technology department at Vodafone-mPesa and was the Chief Technology Officer of Dewan Housing Finance Limited. She holds a Masters in Engineering from VJTI Mumbai. At GHF, she is building a new age, customer first technology platform that will be the bedrock of product innovation in the years to come.

Pirojsha Godrej
Nalin Jain

Nalin is the Chief Customer Officer and Head of Operations at Godrej Housing Finance. He has over 20 years of diverse experience in financial services in Retail Banking – Assets, Liabilities and Financial Inclusion, with demonstrated success of driving concepts to scalable execution. He has worked with companies like Standard Chartered, Citibank NA, ING Vysya Bank, Kotak Mahindra Bank and IDFC FIRST Bank where he has scaled business models from ground-up, led new product development and managed customer centric large scale digital transformation projects. He holds a Post Graduate Diploma in management from Institute of Management Technology (IMT) Ghaziabad. At GHF, Nalin is tasked with creating an unparalleled customer centric organization. He will also oversee the marketing effort for the organization.

Pirojsha Godrej
Ruhie Pande

Ruhie is the Chief Human Resources Officer at Godrej Housing Finance. She comes with over 22 years of multi-industry experience in Human Resources. Prior to GHF, she was the CHRO at Godrej Properties and has worked with companies like Marico, Kaya, ITC, NIIT and Reliance Brands before that. She holds a Post Graduate Diploma from Symbiosis Centre of Learning and Development and is an MSC in Organizational Psychology from Birbeck college, London University. Passionate about people development, she is a certified PCC level coach from International coaching federation. At GHF, she heads the People function and is tasked with creating an inspiring workplace.

Our DNA. Culture and Values


We demonstrate the highest standards of behaviour and business integrity.

Be Bold

We set bold ambitions by defining benchmarks & overcoming constraints through continuous learning & sheer resilience.

Show Respect

We treat people like we would want to be treated. We embrace and celebrate diversity. We care for the success and growth of our teams.

Act Entrepreneurial

We act and innovate as if it’s our own company for all opportunities, risks & costs.

Be Customer Obsessed

We keep our ears to the ground & ensure that we keep the customer’s need at the centre of our efforts.


We work beyond individual goals, hierarchies and functional identities towards a shared purpose.

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Own your dreams.
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