TLDR: Easy Home Finance has secured long-term financing through an NCD issuance, with Franklin Templeton Alternative Investments Fund, India, participating as the lead subscriber. This investment will support Easy Home Finance’s mission to expand affordable housing finance for underserved families across 13 Indian states, leveraging its tech-native lending platform.
Easy Home Finance Limited (“Easy”), a leading tech native housing finance company in India, has availed long-term financing through NCD issuance with Franklin Templeton Alternative Investments Fund, India (Franklin Templeton AIF). This marks a significant step forward in Easy’s mission to accelerate access to affordable housing finance for underserved families across the country.
The investment has been funded through Franklin India Credit AIF, an alternative investment fund focused on private credit opportunities.
Franklin Templeton AIF’s investment reflects its conviction in Easy’s technology-first, inclusive approach to lending, which combines AI-enabled underwriting, multilingual digital journeys, and an embedded distribution model that bridges Bharat and India. The investment will support Easy’s expansion in high-potential housing districts and enhance its capital strength.
The investment has been structured and funded through Franklin India Credit AIF, an alternative investment fund focused on high-quality private credit opportunities.
“Franklin Templeton’s backing is a clear validation of our robust credit architecture, inclusive business model, and disciplined growth strategy,” said Bikash Mishra, Chief Financial Officer, Easy Home Finance. “This long-term partnership enables us to deepen our reach and serve more aspiring homeowners with certainty, speed, and simplicity.”
Founded in 2018, Easy has enabled over 15,000 families to achieve homeownership through its mobile-first lending platform and is on track to double this number by FY26. Operating across 13 Indian states that collectively represent more than 85% of national mortgage demand, Easy is helping bridge the credit access gap in Tier II & III towns and peri-urban clusters.
Easy is making the journey for the customer simpler — allowing customers to avail a home loan disbursement without visiting a branch. The company’s alignment with government initiatives such as Pradhan Mantri Awaas Yojana (PMAY) 2.0 positions it as a key enabler in India’s affordable housing roadmap, with a focus on homes under ₹50 lakh.
A spokesperson for Franklin Templeton Alternative Investments, India, commented,
“We are pleased to extend funding to Easy, which is seamlessly blending digital innovation with financial inclusion. At Franklin Templeton, we believe in building a long-term association that aligns with India’s structural growth story — and housing is a fundamental pillar of that vision.”
Northern Arc Capital Limited acted as the exclusive advisor in facilitating this transaction. Since 2009, Northern Arc has been focused on enabling financial inclusion, facilitating over ₹2.2 trillion in financing and impacting more than 124 million lives directly and through its originator and retail lending partners as of June 30, 2025.
