Gruh Finance Ltd provides financial services mainly for rural housing, construction/upgradation of dwelling units and to developers. Gruh is largely focused on the affordable housing loan segment in western India; its average loan size is ~8 lakh. It has a diversified client mix, with a little over 60% of loans given to employees. The company has penetrated over 90% talukas in Maharashtra and Gujarat and is now looking to replicate this penetration in other markets as well.