Unico Housing Finance Private Limited

Based in India, Unico Housing Finance Private Limited provides affordable housing finance solutions tailored for lower and middle-income customers, focusing on facilitating home ownership through various loan products. Unico Housing Finance Private Limited, founded in Chennai, India in 2023, specializes in affordable housing finance. The company has engaged in one deal, raising INR 1. 2 billion in venture funding from Anicut Capital and Unitus Capital on September 12, 2025, which marks the total amount raised.

The firm aims to address the growing demand for affordable housing finance in urban areas. Unico Housing Finance Private Limited specializes in providing a range of affordable housing finance solutions aimed at lower and middle-income customers. The company offers various loan products such as home loans, home extension loans, loans against property, and commercial property purchase loans. Each product is designed to address specific financial needs, enabling customers to transition from rentals to home ownership, thereby transforming their rental payments into equity.

These solutions are characterized by streamlined approval processes and reduced documentation requirements, ensuring quick access to financing. Unico's products primarily cater to clients in the Indian market, with a focus on urban areas where affordable housing is a critical need. Unico Housing Finance generates revenue through interest accrued from its various loan products, which are structured to service both individual and commercial customers. The company operates on a direct-to-consumer model, facilitating transactions directly between the firm and its clients.

Loan amounts are typically based on up to 90% of the property value, with repayment terms extending up to 20 years. As clients make monthly payments, the firm collects interest on the disbursed amounts, thus forming the primary revenue stream. The specific pricing plans for these loan products, including the associated interest rates and terms, are tailored to meet the financial capacity of the target clientele, ensuring accessibility to those seeking affordable housing options. In September 2025, Unico Housing Finance Private Limited raised INR 1.

2 billion in venture funding from new investors Anicut Capital and Unitus Capital. The company will use the funding to grow its presence in smaller cities, open more branches, and extend housing credit.