Credifin

Credifin Limited, formerly known as PHF Leasing Limited, is a Category B Non-Banking Financial Company (NBFC) listed on the Metropolitan Stock Exchange of India and headquartered in Jalandhar, Punjab. Established in 1992, the company specializes in providing a variety of home loan options, offering competitive interest rates and a seamless application process through state-of-the-art systems. Credifin serves clients seeking home loans and education loans, including those for studying abroad, with flexible repayment options tailored to individual needs. The company operates in the financial services market, focusing on enhancing financial stability by reducing non-performing assets (NPAs) and maintaining a BBB rating from CRISIL. Credifin generates revenue through interest income from its loan products and has reported a significant revenue increase of 57% year-over-year in Q3 FY 2024-25. As of March 2025, the company has achieved assets under management (AUM) exceeding crores, marking substantial growth from previous years. Key services include an interactive platform for calculating EMI, checking loan eligibility, and ensuring the submission of required documents for loan applications.

Keywords: home loans, NBFC, interest rates, financial stability, education loans, repayment options, EMI calculator, loan eligibility, CRISIL rating, AUM growth.