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ART Housing Finance Appoints Veteran Finance Professional Raghuvir Gakhar as Chief Financial Officer

National Housing Bank (NHB)-registered affordable housing financier ART Housing Finance (India) Limited has announced the induction of seasoned finance leader Mr. Raghuvir Gakhar into its executive leadership team as Chief Financial Officer (CFO).

Startups2 min read

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Gakhar, a qualified Chartered Accountant from the Institute of Chartered Accountants of India (ICAI), brings more than 20 years of extensive experience in financial planning and analysis (FP&A), corporate controllership, treasury management, and retail lending operations.

Two Decades of Banking and NBFC Pedigree

Prior to joining ART Housing Finance, Gakhar held critical finance, operational, and top-tier management positions across prominent multinational banks and non-banking financial conglomerates:

  • GE Capital & Bank of America: Formative years spent managing controllership, corporate finance, credit risk analytics, and institutional compliance within global financial giants.
  • Clix Capital: Led core treasury, financial strategy, and funding syndication, optimizing capital allocation across diversified retail and secured SME portfolios.
  • Fintech & Non-Bank Leadership: Served as Chief Financial Officer and subsequently as Chief Executive Officer at PC Financial Services, overseeing multi-crore digital balance sheets, regulatory engagements, and debt structuring.

Strategic Focus: Liquidity Optimization and Affordable Housing Scale


As Chief Financial Officer, Gakhar’s core mandate centers on:

  1. Asset-Liability Management (ALM): Ensuring strict maturity matching to insulate the housing finance company against interest-rate volatility and systemic liquidity crunches.
  2. Diversified Funding Architecture: Expanding long-term refinance lines from the National Housing Bank (NHB), broadening relationships with public/private sector banks, and exploring structured capital market instruments (such as Non-Convertible Debentures and securitization/PTCs).
  3. Margin & Operational Efficiency: Lowering overall blended borrowing costs to support competitive mortgage pricing while sustaining high Return on Assets (RoA) and capital adequacy ratios.

Why it matters

ART Housing Finance caters primarily to low- and middle-income (LMI) households, self-employed individuals, and informal sector workers across Tier-2 to Tier-4 geographies, providing long-term home loans and loan against property (LAP).

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Finsamudra Desk23 Oct 2026, 12:01 pm IST
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Finsamudra Desk

Scaling Beyond ₹1,500 Crore: Why Amit Saini’s Appointment Anchors Namdev Finvest’s Risk Moat

The appointment of Amit Saini as Head of Risk Management at Namdev Finvest Limited marks a vital governance consolidation for the Jaipur-headquartered non-banking financial company (NBFC). Saini brings extensive experience across risk governance, internal audit, and credit controls, having previously served as Chief Risk Officer at Choice, with formative tenures at Laxmi India Finance and benchmark affordable housing lender Aavas Financiers Ltd.

Startups1 min read

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