FOCUS
National Trust Housing Finance Ltd. (NATRUST), a housing finance company head quartered at Chennai and having South India as its marketing focus. Incorporated in 1995 as a pioneer in Affordable Housing Finance, Natrust caters to the requirements of low to mid income salaried and self-employed customers who are in the affordable housing segment in Tier II and Tier III cities and towns.

PRESENCE
Natrust operates across the four Southern States of Tamil Nadu, Karnataka, Andhra Pradesh and Telangana with its foot prints in twelve branches and two marketing offices.

In Tamil Nadu, the branches are situated at Vellore, Tirupattur, Trichy, Salem, Madurai, Tirunelveli, Hosur and Chennai. In Karnataka at Bangalore, Hyderabad at Telangana and in Andhra Pradesh at Visakhapatnam and at Vijayawada are the other four locations where the Company operates. In addition, there are two Marketing offices situated at Tambaram and Tiruvallur (both in Tamil Nadu) thus making the total operations network to fourteen in all.

EXPERTISE
Natrust is professionally managed and has a competent team of housing finance experts backed by stellar Board of Directors. The company is a highly consistent profit making company with sound reserves and a regular dividend paying Company.

CREDIBILITY
Natrust is a financial institution recognized by the National Housing Bank, availing refinance facility. Besides, the company enjoys strong banking relationship major Scheduled Commercial Banks and Financial Institution. The company has excellent repayment track record with all the Banks / Financial Institution.

SOUNDNESS
Natrust has built upon a consistently high quality loan asset portfolio. Excellent appraisal mechanism, field investigation, efficient recovery system, etc. are hallmark qualities to the successful building of the organization.

The company has adequate Capital to Risk Weighted Assets (CRAR) confirming the sound capital base. The other financial parameters are quite sound demonstrating a healthy and well monitored business entity.

CORPORATE GOVERNANCE
The Corporate Governance is of the highest order with highly qualified and experienced Directors on the Board. The external credit rating is carried out on an annual basis by India Rating, a Fitch Rating company. The Statutory is carried out by one of the leading audits firms in India. The Board has formed various committees to monitor the growth and performance of the company. The various committees that are actively functional are the Audit Committee, ALM Committee, Risk Management Committee, Management Committee, CSR Committee, Nomination and Remuneration Committee.

EQUITY
A 100% promoter driven group with 40% equity stake held by Mercantile Ventures Limited, 33% by South India Travels Private Limited and the remaining 27% by Creso Asia Pte Ltd., a Singapore based company.