MAS Rural Housing and Mortgage Finance Limited

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MAS Rural Housing & Mortgage Finance Ltd. (MRHMFL) is a housing finance company registered with the National Housing Bank. It is promoted by MAS Financial Services Ltd. (MFSL)

MAS has an endeavor to realize the dream of millions of Indian House Holds to “OWN A HOME”. The focus is to serve the middle income segment of the society, which we reckon as one of the key drivers of the housing industry. This segment is largely characterized by the informal but credit worthy class.

MAS leveraging on its more than two decades of in-depth understanding, is poised to cater to this segment and be a catalyst in realizing the most cherished dream of this segment to “OWN A HOME.” It is worth noting that, this class is spread across the length and breadth of the country, be it urban, semi-urban or rural.

Extending "Credit where it is due" remains the main plank, as far as credit delivery is concerned in consistent with the endeavour of the group since the last two decades of building quality assets..

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Together realize the dream of every individual to “OWN A HOME.”

To be a very significant provider of efficient financial services in the housing loan segment, thereby being the catalyst in realizing the dreams of the millions of households, especially among the LIG and MIG class in semi urban and rural areas and create value on a very large scale.

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Mr. Kamlesh Gandhi

Founder and Managing Director

He manages the company with the guidance and support of the Board. He is a proficient and experienced industry practitioner with a brilliant track record and an in-depth understanding of Indian financial activities. His expertise of the business combined with remarkable marketing acumen has led the company on a growth track that will set new benchmark in the industry.

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Mr. Mukesh Gandhi

Co-founder & Director Finance

He is actively involved in the strategic decisions of the company. He is well-known industry expert and a popular public speaker on various issues in Finance. He is an academician and Chairman of Gujarat Finance Company Association and also the committee Member of Finance Industry Development Council(FIDC).

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Mrs. Darshana Pandya

Director & COO

She is responsible for leading the operations at MAS and also the relationship of the company with its more than 100 NBFC Partners. She is a commerce graduate who joined the company in 1996 as a junior executive and through her hard work, immaculate working and determination to excel, accompanied by enabling support from the management; rose to the level of Director.

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Mr. Bala Bhaskaran


He is a management graduate with experience in consultancy and the financial sector. Presently associated with Shanti Business School.

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Mr. Chetan Shah


He is a FCA actively working as Finance Consultant. He was associated with Co-Operative Bank as a Finance Manager for 25 yrs. In practice as a Charted Accountant since 1979.

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Mr. Subir Nag


Mr. Subir Nag is an electrical engineer from Jadavpur University and MBA in finance from XLRI Jamshedpur. He is having more than 15 years of experience in Project Management, Investment Banking and Corporate Finance. Previously he was Director and Head-Mezzanine Fund at ICICI Venture Fund Management Limited.

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