Headquartered in Pune (Maharashtra), Altum Credo (“Altum”) is one of the fastest growing retail housing finance companies in India. It was founded by Vikrant Bhagwat, along with Ganesh Rao and Ashish Tewari, in 2016. Being an affordable housing finance company, Altum focuses on the economically weaker and low-income group customer categories. These customers have traditionally faced challenges in accessing credit from formal financing channels. Within the category of home loans, it specifically targets customers looking to construct their own houses and those that are first-time home buyers.  The company has a network of 30 branches spread across the states of Maharashtra, Telangana, Karnataka, Tamil Nadu, Rajasthan and Andhra Pradesh.