The Challenge Seniors Face
Many senior citizens in India own valuable residential properties but lack regular income sources to support their daily needs, medical expenses, and lifestyle choices. With children often living in different cities or abroad, financial dependency on family members can be challenging. HABIL bridges this gap by offering a structured reverse mortgage solution that ensures financial security while allowing seniors to retain homeownership.
What HABIL Offers
HABIL helps retirees unlock the true financial potential of their homes through a reverse mortgage model, where they receive monthly payouts based on their home’s value. Unlike traditional loans, there are no monthly repayments required. The loan is settled only when the property is sold in the future, either by the borrower’s heirs or through a pre-arranged agreement
Key Benefits of HABIL
Guaranteed Monthly Income
Enjoy a consistent cash flow to maintain your standard of living.
Stay in Your Own Home
Continue living in the home you love, without fear of displacement.
No Need to Sell Your Property
Unlike conventional real estate liquidation, HABIL allows you to leverage your home’s value while retaining ownership.
No Monthly Loan Repayments
The loan is repaid only when the property is sold, making it stress-free for seniors.
Flexible Payout Options
Choose between a monthly pension, lump sum, or a combination of both based on your financial needs.
Legal Protection & Transparency
HABIL ensures a fully transparent process with legal s safeguards to protect homeowners and their heirs.
Management Team
Swaminathan Rajagopal
Founder and Chief Executive Officer
Rajagopal Swaminathan is a management professional with over 3 decades of experience in sales, service delivery, big data and process transformation, at senior top management capacities in multinational companies such as BNY Mellon, HCL Technologies, Murugappa group to name a few.
He had lived and worked in Spain for 8 years. He is a qualified Graduate Engineer from TNAU and Post Graduate Diploma in Management from Indian Institute of Management, Ahmedabad. He is also a certified Six Sigma Black Belt in Quality.
He is a Trustee in Balbhojan Welfare Foundation Trust, Start-up mentor, Angel Investor and Business Consultant.He is passionate educator and advisor for educatinoal institutions and President Emiriteus – IIMA Alumni Association, Chennai Chapter.
Karthik P
Co-Founder
Management professional with over 1.5 decades of experience in sales, service delivery, and process transformation, at management capacities in multinational companies such as TCS, HCL Technologies, Bharti Airtel and start-ups such as Rivigo, LEAD.
B.E. from NIT, Karnataka and MBA from Symbiosis Institute of Business Management, Pune.
He is a Trustee in Whitecloaks Foundation and Business Consultant. He is passionate educator and engaged with educational institutions to empower students and also professionals through personalized coaching and guidance.