Retail Mortgage

The retail mortgage lending business consists of

  • Home Loans
  • SME Loan Against Property 
  • Education Institutions Lending  

JM Financial Home Loans represents our foray into the housing finance business. We provide home loans tailor-made for your every need. Our Goal is to help you acquire your dream home, your own little piece of heaven. We endeavor to reach out to home buyers typically not served by banks and traditional housing finance companies. We promise to provide our customers a transparent and quick home loan disbursement process, hassle-free and easy documentation process and top class customer service.

Keeping in line with the culture of innovation within the JM Financial Group, we endeavor to constantly innovate and diversify our product and service offerings. We will be your Trusted Advisor for any and every query you might have about your Property, Loan and Documentation to ensure a seamless experience designed for your utmost convenience.

We believe that infrastructure plays a vital role in the delivery of quality education. With this ethos, we strive to provide financial assistance to education institutions such as Pre-schools, Schools, Colleges, Universities, Professional and Technical Training for their every need — construction, renovation, acquisition of infrastructural facilities; purchase of land for expansion of facilities; equipment purchase; working capital; or for any other requirement which may enable enhanced education delivery.

The products have been designed keeping the mind the differentiated needs of the education segments, for e.g. established vs. growing institution or monthly vs. quarterly fee receipt cycles.

Designed as secured loans against property, this product helps clients address funding requirements for both personal and business needs. Clients leverage the economic worth of their property without giving away ownership. The loan is given as a certain percentage (usually around 40% to 60%) of the property's market value.

This proposition allows the client to avail the loans for tenures up to a maximum period of 15 years. Loan against Property is suitable for meeting contingencies such as marriage, higher education, medical treatment, or even for business expansions.

Mr. Manish Sheth
Mr. Manish Sheth
MD & CEO, JM Financial Home Loans Limited

Mr. Sheth has been associated with the group for last two decades.  He oversees finance and related matters of flagship listed company, besides the group’s businesses which include Investment Banking, Wealth and Securities business, NBFCs, HFC, Private Equity (PE), Asset Reconstruction (ARC), Asset Management (Mutual Fund) and Alternate Investment Fund (AIF) businesses as well as international treasury and operations. Additionally, he is part of the Investor Relations function for the group. He is also a member of the Group Asset Liability management committee (Group ALCO). He plays an instrumental role in advising restructuring, negotiations and execution for any JV, stake sale, strategic investments or acquisition opportunity for the group. He was awarded as the “Best CFO “in the , ‘CA CFO Financial, Consulting and Other Service Sector’ category at the 11th ICAI Awards.