From one book to twelve.
The company has occupied the same premises since incorporation. What has changed is the range of what it will lend against, and how far from Chennai it will travel to see it.
A finance house is a record, not a promise. Ours is thirty-one years long and it is on the public register.
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1995
Incorporation
Registered on 24 April 1995 as Hira Financial Services Limited, at Heeraa Mansion, General Muthiah Mudali Street, Sowcarpet. Gold and short-cycle trade finance from the first day.
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2000s
The trading book
Business finance grows out of the gold counter, structured around the seasons of the Sowcarpet market rather than around a repayment calendar.
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2010s
Secured lending widens
Vehicle and property books established. Assessment stays in-house: the firm's own assessors value used vehicles and visit every property.
-
2010s
Beyond Tamil Nadu
Lending extends into Kerala, then Karnataka, following borrowers and their businesses rather than opening branches.
-
2020s
Project and specialist books
Real estate, construction, film, acquisition and structured finance added, taken on selectively, always against documented security.
-
Today
Twelve books, three states
Still Heeraa Mansion. Still assessed by people. Still no public deposits.
- 31
- Years lending
- 3
- States served
- 12
- Lending verticals
- ₹5,00,00,000
- Paid-up capital
No facility is priced against a description. Someone from the house looks at what is being pledged.
The rest of the record.
The house
What the company is on the register: its registration, its capital, its regulator and the premises it has never left.
Founders
The founder in whose memory the company trades, and the board responsible for it today.
Group
The associate enterprises that sit alongside the NBFC, and the line that separates them from it.
Or simply call the office.
The fastest route is still walking into Heeraa Mansion. If that is not convenient, send an enquiry and someone who can actually decide will call you back.
