{"id":1598,"date":"2025-02-09T04:57:22","date_gmt":"2025-02-09T04:57:22","guid":{"rendered":"https:\/\/habil.homes\/home\/?page_id=1598"},"modified":"2026-03-17T14:31:50","modified_gmt":"2026-03-17T14:31:50","slug":"about-us-2","status":"publish","type":"page","link":"https:\/\/habil.homes\/home\/about-us-2\/","title":{"rendered":"About us"},"content":{"rendered":"\t\t
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The Challenge Seniors Face <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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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. HOME PENSION bridges this gap by offering a structured\u00a0 Home Equity Conversion <\/span>solution that ensures financial security while allowing seniors to <\/span>retain<\/span> home ownership. <\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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What HOME PENSION Offers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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HOME PENSION\u00a0helps retirees unlock the true financial potential of their homes through a Home Equity Conversion model, where they receive monthly payouts to maintain their standard of living. Amount depends on required amount, how long it is required and based on their current home\u2019s value and expected appreciation. Unlike traditional loans, there are no monthly repayments required. The equity so drawn along with interest is converted into regular mortgage if so desired by the legal heirs or settled by the builder selected under JV or through sale proceeds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Key Benefits of HOME PENSION<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Guaranteed Monthly Payouts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Enjoy a consistent cash flow to <\/span>maintain<\/span> your standard of living.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Stay in Your Own Home<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Continue living in the home you build and where your kids grew up as long as you want until you decide to redevelop your house into multi-unit apartment building.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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No Need to Sell Your Property<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Unlike conventional real estate liquidation, HOME PENSION allows you to <\/span>leverage<\/span> your home\u2019s value while <\/span>retaining<\/span> ownership.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Repayments of Payouts drawn<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The equity drawn is converted into regular mortgage if so desired by the legal heirs or settled by the builder selected under JV or through sale proceeds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Flexible Payout Options<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Choose inflation adjust payouts, stop payouts for a few months at a time and designate a lumpsum for any emergency<\/span>.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Legal Protection & Transparency<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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HOME PENSION ensures a fully transparent process with legal <\/span><\/span> s<\/span><\/span> s<\/span>afeguards<\/span> to protect homeowners and their heirs.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Leadership Team<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Swaminathan Rajagopal <\/h2>

Founder and Chief Executive Officer <\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t

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Rajagopal Swaminathan is a management professional with over 3 decades of experience in sales, service delivery, big <\/span>data<\/span> and process transformation, at senior top management capacities in multinational companies such as BNY Mellon, HCL Technologies, Murugappa group to name a few.<\/span><\/span><\/p>\n

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.<\/span><\/span><\/p>\n

He is a Trustee in Balbhojan<\/span> Welfare Foundation Trust, Start-up mentor, Angel Investor and Business Consultant. He is a passionate educator and advisor for educational institutions and President Emeritus \u2013 IIMA Alumni Association, Chennai Chapter.

Self motivated to create an impactful venture that inspires others in his generation!
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Karthik Ponnusamy<\/h2>

Co-Founder<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t

<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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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.<\/p>

B.E. from NIT, Karnataka and MBA from Symbiosis Institute of Business Management, Pune.<\/p>

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.

Self-motivated, drawing from experience in supporting senior citizens within his friends and family circle<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

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. HOME PENSION bridges this gap by offering a structured\u00a0 Home Equity Conversion solution that ensures financial security while allowing seniors to retain home ownership. \u00a0 What HOME PENSION Offers HOME PENSION\u00a0helps retirees unlock the true financial potential of their homes through a Home Equity Conversion model, where they receive monthly payouts to maintain their standard of living. Amount depends on required amount, how long it is required and based on their current home\u2019s value and expected appreciation. Unlike traditional loans, there are no monthly repayments required. The equity so drawn along with interest is converted into regular mortgage if so desired by the legal heirs or settled by the builder selected under JV or through sale proceeds. Key Benefits of HOME PENSION Guaranteed Monthly Payouts Enjoy a consistent cash flow to maintain your standard of living.\u00a0 Stay in Your Own Home Continue living in the home you build and where your kids grew up as long as you want until you decide to redevelop your house into multi-unit apartment building. No Need to Sell Your Property Unlike conventional real estate liquidation, HOME PENSION allows you to leverage your home\u2019s value while retaining ownership. Repayments of Payouts drawn The equity drawn is converted into regular mortgage if so desired by the legal heirs or settled by the builder selected under JV or through sale proceeds. Flexible Payout Options Choose inflation adjust payouts, stop payouts for a few months at a time and designate a lumpsum for any emergency. Legal Protection & Transparency HOME PENSION ensures a fully transparent process with legal s safeguards to protect homeowners and their heirs. Leadership 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 a passionate educator and advisor for educational institutions and President Emeritus \u2013 IIMA Alumni Association, Chennai Chapter. Self motivated to create an impactful venture that inspires others in his generation! Karthik Ponnusamy 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. Self-motivated, drawing from experience in supporting senior citizens within his friends and family circle<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1598","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nAbout us - HOME PENSION<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/habil.homes\/home\/about-us-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"About us - HOME PENSION\" \/>\n<meta property=\"og:description\" content=\"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. HOME PENSION bridges this gap by offering a structured\u00a0 Home Equity Conversion solution that ensures financial security while allowing seniors to retain home ownership. \u00a0 What HOME PENSION Offers HOME PENSION\u00a0helps retirees unlock the true financial potential of their homes through a Home Equity Conversion model, where they receive monthly payouts to maintain their standard of living. Amount depends on required amount, how long it is required and based on their current home\u2019s value and expected appreciation. Unlike traditional loans, there are no monthly repayments required. The equity so drawn along with interest is converted into regular mortgage if so desired by the legal heirs or settled by the builder selected under JV or through sale proceeds. Key Benefits of HOME PENSION Guaranteed Monthly Payouts Enjoy a consistent cash flow to maintain your standard of living.\u00a0 Stay in Your Own Home Continue living in the home you build and where your kids grew up as long as you want until you decide to redevelop your house into multi-unit apartment building. No Need to Sell Your Property Unlike conventional real estate liquidation, HOME PENSION allows you to leverage your home\u2019s value while retaining ownership. Repayments of Payouts drawn The equity drawn is converted into regular mortgage if so desired by the legal heirs or settled by the builder selected under JV or through sale proceeds. Flexible Payout Options Choose inflation adjust payouts, stop payouts for a few months at a time and designate a lumpsum for any emergency. Legal Protection & Transparency HOME PENSION ensures a fully transparent process with legal s safeguards to protect homeowners and their heirs. Leadership 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 a passionate educator and advisor for educational institutions and President Emeritus \u2013 IIMA Alumni Association, Chennai Chapter. Self motivated to create an impactful venture that inspires others in his generation! Karthik Ponnusamy 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. Self-motivated, drawing from experience in supporting senior citizens within his friends and family circle\" \/>\n<meta property=\"og:url\" content=\"https:\/\/habil.homes\/home\/about-us-2\/\" \/>\n<meta property=\"og:site_name\" content=\"HOME PENSION\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-17T14:31:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/habil.homes\/home\/wp-content\/uploads\/2025\/02\/raj.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/about-us-2\\\/\",\"url\":\"https:\\\/\\\/habil.homes\\\/home\\\/about-us-2\\\/\",\"name\":\"About us - HOME PENSION\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/about-us-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/about-us-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/habil.homes\\\/home\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/raj.png\",\"datePublished\":\"2025-02-09T04:57:22+00:00\",\"dateModified\":\"2026-03-17T14:31:50+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/about-us-2\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/habil.homes\\\/home\\\/about-us-2\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/about-us-2\\\/#primaryimage\",\"url\":\"https:\\\/\\\/habil.homes\\\/home\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/raj.png\",\"contentUrl\":\"https:\\\/\\\/habil.homes\\\/home\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/raj.png\",\"width\":256,\"height\":255},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/about-us-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/habil.homes\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"About us\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/#website\",\"url\":\"https:\\\/\\\/habil.homes\\\/home\\\/\",\"name\":\"HOME PENSION\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/habil.homes\\\/home\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"About us - HOME PENSION","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/habil.homes\/home\/about-us-2\/","og_locale":"en_US","og_type":"article","og_title":"About us - HOME PENSION","og_description":"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. HOME PENSION bridges this gap by offering a structured\u00a0 Home Equity Conversion solution that ensures financial security while allowing seniors to retain home ownership. \u00a0 What HOME PENSION Offers HOME PENSION\u00a0helps retirees unlock the true financial potential of their homes through a Home Equity Conversion model, where they receive monthly payouts to maintain their standard of living. Amount depends on required amount, how long it is required and based on their current home\u2019s value and expected appreciation. Unlike traditional loans, there are no monthly repayments required. The equity so drawn along with interest is converted into regular mortgage if so desired by the legal heirs or settled by the builder selected under JV or through sale proceeds. Key Benefits of HOME PENSION Guaranteed Monthly Payouts Enjoy a consistent cash flow to maintain your standard of living.\u00a0 Stay in Your Own Home Continue living in the home you build and where your kids grew up as long as you want until you decide to redevelop your house into multi-unit apartment building. No Need to Sell Your Property Unlike conventional real estate liquidation, HOME PENSION allows you to leverage your home\u2019s value while retaining ownership. Repayments of Payouts drawn The equity drawn is converted into regular mortgage if so desired by the legal heirs or settled by the builder selected under JV or through sale proceeds. Flexible Payout Options Choose inflation adjust payouts, stop payouts for a few months at a time and designate a lumpsum for any emergency. Legal Protection & Transparency HOME PENSION ensures a fully transparent process with legal s safeguards to protect homeowners and their heirs. Leadership 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 a passionate educator and advisor for educational institutions and President Emeritus \u2013 IIMA Alumni Association, Chennai Chapter. Self motivated to create an impactful venture that inspires others in his generation! Karthik Ponnusamy 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. 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