Buying a home is one of the biggest financial decisions for a family. For many buyers, arranging the complete purchase amount at once is not practical, which makes housing finance an important part of the Indian financial services sector.
Roha Housing Finance Noida is a housing finance company operating in this space. The company provides home loans and property-related financial solutions, with a particular focus on customers looking for accessible and structured housing finance.
Roha Housing Finance was established in 2017 and is associated with the JJT Group. Its corporate office is currently listed at World Trade Tower in Sector 16, Noida, while its registered office is in Mumbai.
What Is Roha Housing Finance?
Roha Housing Finance Private Limited is a private housing finance company operating within India’s financial services industry.
The company says its objective is to make home financing simpler through transparent processes, clear documentation and customer-oriented financial solutions. Its business is primarily focused on housing finance rather than conventional banking.
The company was incorporated on 31 March 2017, according to corporate records, and is registered with the Registrar of Companies in Mumbai.
Roha Housing Finance Noida Presence
Noida has an important role in Roha Housing Finance’s current corporate operations.
The company’s official contact page lists its corporate office at:
Unit No. 1117 & 1118, 11th Floor, World Trade Tower, Sector 16, Noida – 201301, Uttar Pradesh.
The National Housing Bank’s 2026 point-of-contact document also lists the same Sector 16 Noida corporate address for Roha Housing Finance.
The company additionally operates a Noida branch at A-45, 2nd Floor, CIVTECH Building, Sector 4, Noida.
This gives Roha Housing Finance a significant presence in Noida’s growing financial-services ecosystem.
Home Loans Offered by Roha Housing Finance
Home loans are at the centre of Roha Housing Finance’s business.
The company’s current home-loan information indicates that financing can be used for purchasing residential property, while eligibility depends on factors such as income, age, property value and repayment capacity.
The company currently lists home loans ranging from ₹3 lakh to ₹50 lakh, with a maximum repayment period of up to 25 years for its home-loan-for-purchase product.
This type of financing can be relevant for both salaried and self-employed borrowers.
Home Purchase Financing
Buying a ready or under-construction residential property can require substantial upfront capital.
Roha Housing Finance provides financing designed to spread this cost through monthly repayments rather than requiring the entire purchase amount immediately.
For an under-construction property, loan disbursement can be linked to the progress of construction, subject to the company’s applicable policies and documentation requirements.
Construction, Extension and Renovation Finance
Housing finance is not limited to buying a completed property.
Roha Housing Finance has also offered financing for activities such as:
- Home construction
- Home extension
- Home renovation
- Plot purchase and construction
These products allow housing finance to cover different stages of property ownership and development. Historical company disclosures also show a focus on housing finance for lower- and middle-income customer segments.
Loan Against Property
Another part of the company’s financial offering is property-backed finance.
Loan-against-property products can allow eligible property owners to raise funds by using residential or commercial property as security. Roha’s FAQ states that its funding norms for such products can vary according to the property and loan circumstances.
The purpose of such financing may differ from a conventional home purchase loan, so borrowers need to understand the applicable interest rate, tenure, security and repayment conditions before applying.
Who Can Apply for a Roha Home Loan?
Roha Housing Finance states that its home-loan products can be available to both salaried and self-employed applicants, subject to eligibility requirements.
The company considers factors such as:
- Applicant’s age
- Income
- Existing liabilities
- Credit history
- Employment or business stability
- Property value
- Co-applicant income
- Repayment capacity
The property itself also needs to satisfy applicable legal and technical requirements.
Interest Rates and Loan Tenure
Interest rates are an important part of any housing-finance decision.
Roha Housing Finance’s current home-loan page states that its listed rate range is 9.8% to 24%, while the rate range during April–June 2026 was reported by the company as 11.5% to 21%, with a mean rate of 12.47% for that quarter. Actual rates can vary according to the customer’s profile and applicable loan scheme.
Because housing-loan rates and eligibility can change, borrowers should check the latest terms directly with the company before making a financial decision.
Digital Loan Servicing
Roha Housing Finance has also introduced a digital loan-servicing application called E-Serve.
According to the company, customers can use the platform to access information such as:
- Loan account summary
- Account statements
- Repayment schedules
- Transaction history
- Future payments
- Income-tax certificates
- Service requests
This type of digital servicing can make it easier for borrowers to monitor their loan accounts without depending entirely on physical branch visits.
Roha Housing Finance and Customer Transparency
Housing finance involves long-term financial commitments, so clarity around fees, documentation and repayment conditions is important.
Roha Housing Finance states that transparency is part of its operating approach and that disclosures relating to documentation, fees and charges are provided to customers.
The company also provides a formal grievance mechanism through its customer service and grievance-redressal channels.
Roha Housing Finance’s Financial Position
Roha Housing Finance remains an active private company according to available corporate records.
The latest company-data source available in September 2026 reports FY2025 revenue of approximately ₹133.75 crore, representing a 21% year-on-year increase. The same source reports paid-up capital of approximately ₹180.5 crore.
These figures relate to the company’s financial performance and should not be interpreted as the personal wealth of its promoters or directors.
Leadership of Roha Housing Finance
Current corporate records list Sunil Kapoor as Managing Director, with Jyotin Paresh Shastri and Mahesh Ramakant Tibrewala as directors.
The management structure supports the company’s operations across housing finance, customer servicing and branch-based financial activities.
Roha Housing Finance in India’s Housing Finance Market
India’s housing-finance market includes large banks, established housing finance companies and specialised lenders.
Smaller and specialised housing finance companies can serve customer segments where traditional credit assessment may require more customised approaches.
Roha Housing Finance’s business model is positioned around housing finance and property-backed lending, with operations across several Indian markets and a corporate base in Noida.
Its presence in Noida is particularly relevant because the city has developed into an important centre for financial services, technology companies and business-process operations.
Why Roha Housing Finance Is Relevant to Noida’s Finance Sector
The Noida financial ecosystem is no longer limited to traditional banking branches.
The city now has companies involved in:
- Fintech
- Housing finance
- Digital payments
- Stock broking
- Wealth management
- Lending technology
- Insurance technology
- Financial software
Roha Housing Finance adds the housing-finance segment to this wider ecosystem.
Its corporate office in Sector 16 and branch presence in Sector 4 make the company a relevant example when studying finance companies operating in Noida.
What Makes Housing Finance Important?
Housing finance plays an important role in converting long-term property aspirations into manageable financial commitments.
Instead of paying the complete property cost upfront, eligible borrowers can use a housing loan and repay the amount over several years.
However, a home loan is a long-term financial commitment. Borrowers should compare interest rates, processing charges, tenure, prepayment conditions, eligibility requirements and total repayment costs before selecting a lender.
Frequently Asked Questions
Roha Housing Finance has its corporate office in Sector 16, Noida, while its registered office is located in Mumbai.
Roha Housing Finance provides housing finance and property-related financial solutions, including home loans and property-backed lending.
The company’s current home-loan page lists loan amounts from ₹3 lakh to ₹50 lakh for its home-loan-for-purchase product.
Yes. The company states that its home-loan products can be available to salaried as well as self-employed applicants, subject to eligibility and assessment.
Conclusion
Roha Housing Finance Noida represents the housing-finance segment within the city’s expanding financial-services landscape. With its corporate office in Sector 16 and branch presence in Sector 4, the company has an established operational connection with Noida.
Its business focuses on home loans and property-related finance, while its digital servicing initiatives show how traditional housing finance is gradually adopting technology.
For readers researching Noida finance companies, housing finance and Indian financial services, Roha Housing Finance provides a useful example of a specialised lender operating alongside the city’s wider fintech and financial ecosystem.
