MicroBuild India

MicroBuild India works with Indian financial intermediaries serving low-income populations to offer wholesale debt financing, filling a critical funding gap, and ensures that products and services meet housing quality standards.
MicroBuild India aims to be a driver of social impact by being the most competitive wholesale lender for India’s microfinance institutions, so they can provide financial assistance to low-income families for home improvements and repairs.
MicroBuild India is an initiative of Habitat for Humanity International, a global non-profit housing organization that has served more than 29 million people by building or improving homes, Mumbai- based financial services company AKK Financial Advisory Services Private Limited and Mr. Radhakishan Damani, an Indian investor and founder of Mumbai based hypermarket chain DMart.
Habitat for Humanity International has almost 75 per cent equity stake in MicroBuild India.
MicroBuild India is part of the global MicroBuild Fund, an initiative by Habitat for Humanity International that invests in shelter-related microfinance products provided through local financial institutions.
The MicroBuild India Housing Finance Company Pvt. Ltd. was incorporated on 19 November 2010, and received its Certificate of Registration as a Housing Finance Company (HFC) from India’s National Housing Bank on 22 June, 2012.


The vision of MicroBuild India is to catalyze innovative, scalable financial solutions to the poverty housing situation in India. This vision is drawn from Habitat for Humanity’s strategic plan to mobilize people, finance and social capital to promote worldwide access to decent, safe, affordable housing. This vision will be achieved by stimulating the retail financial market to develop innovative housing finance solutions, through a combination of wholesale finance loans and technical assistance to financial institutions in India wanting to offer retail housing loan products for home improvements and repairs.

Objectives and business model

MicroBuild India’s operational objectives are to reduce poverty housing, and improve health and living environments for low-income families across India, by providing:
  • A facility where microfinance institutions (MFIs), HFCs, banks and other financial institutions in India can access wholesale debt financing, in order to develop and offer innovative retail housing loans to families currently living in substandard homes. Attractive wholesale pricing will incentivize financial institutions to engage in the field of housing microfinance.
  • Technical assistance through Habitat for Humanity’s Technical Assistance Center (TAC), and other parts of the organization, will ensure the quality of the product and that it meets the requirements of the intermediary financial institution, and the needs of the family end user building a new house or undertaking home improvements or repairs.
Institutional investors keen to partner with MicroBuild India can contact us here