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The Offering

Post Graduate Program in Housing Finance (PGPHF) is an Initiative of Aadhar Housing Finance Ltd. (AHFL) in partnership with ITM Edutech Training Private Limited. The Training program aims to attract young talent who wish to pursue a career in housing finance. It is one year training program designed to develop a pool of managers with housing finance knowledge and required skill-sets to perform efficiently in their day-to-day activities.

Program Highlights

1 Year Program conducted by ITM Includes Internship and job offer at Aadhar Housing Finance Ltd. (AFHL).
The program focuses on balanced approach of providing inputs of relevant knowledge, developing skills and shaping required behaviors.
The training imparts knowledge and skills in core housing finance areas, processes, systems, regulations and compliance frameworks involved in day-to-day operations.
Innovative pedagogy tools such as Co-teaching attempt to enrich the end-to-end learning experience of the trainees.
The faculty is trained not only by subject matter experts from Aadhar Housing Finance Limited but also by experts from the industry.
A cashless bridge in the form of a loan is provided to all participants to fund the cost of the program.
During 6 months Training, candidate will be paid monthly Rs. 5000/- as Education Grant to meet basic expenses.
During 6 months Internship, candidate will be paid monthly Rs. 15,000/- as Stipend.
On successful completion of the program, candidates will be absorbed by Aadhar Housing Finance Ltd. as Branch Credit Manager with a consolidated annual fixed CTC of Rs. 3,50,000/-
After completion of 1 Year, candidate will be given pathway to ITM University’s MBA to complete Masters while working at Aadhar Housing Finance Ltd.

Program Fee Pay-back Option

Total Stipend + Refund by AHFL

Rs. 4,10,000/-*

Stipend During Training
6-months Residential Training Rs. 5,000/- P.M. Rs. 30,000/-
6-months OJT at branch Rs. 15,000/- P.M. Rs. 90,000/-
Total Stipend paid by AHFL Rs. 1,20,000/-

Refund after Completion of 1 Year training
On completion of First Year of service 25% Rs. 72,500/-
On completion of Second Year of service 25% Rs. 72,500/-
On completion of Fifth Year of service* 50% Rs. 1,45,000/-*
Total Refund by AHFL* 100% Rs. 2,90,000/-

*On completion of five years of service in AHFL 50% of the fee i.e. Rs 1,45,000/- will be refunded to the applicant subject to the applicant gets 4 & 5 Rating in all five years since joining.

Program Structure

The program structure is as follows:

Term No (Duration) Training Details
1 (6 months) Classroom training at ITM campus
2 (6 months) Internship at Aadhar Housing Finance Limited

Eligibility Criteria

If you FULFILL ALL the below mentioned criteria, you will be eligible for Selection Process.


Sales & Credit Profile

Selection Process

Fees of the Training Program

Total Fees
The Program Fee is Rs. 2,90,000/- (all Inclusive) (Rupees Two Lac Ninety Thousand)
Selected candidate can self-fund the training fee of Rs. 2,90,000/- or can avail loan facility.
The cost is inclusive of expenses on faculty, training , boarding and lodging etc.

Loan Assitance
Loan assistance will be provided to all the eligible shortlisted candidate for the program Loan assistance is available from Axis Bank and Avanse

Conatct Us

Mr. Gourab Mukherjee
Email: | Call us: 8433973072

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