Felicitated at LIC HFL’s South Eastern Region meet
Honoured on stage at LIC HFL’s South Eastern Regional Office (SER-H) MIs’ Meet in Hyderabad, among the region’s Top Management Group intermediaries.
Teja Management Group, Elite Financial Services and Elite Associates: one family team. For 24 years we have helped Hyderabad families get LIC Housing Finance home loans, and LIC HFL has recognised our work at every level, from its area office to its MD & CEO.
Our founder, V. Rama Rao, started the business. His association with LIC Housing Finance goes back more than 25 years. In 2002 Teja Management Group became an authorised Direct Selling Agent (DSA) of LIC HFL. For several years the business ran under the name of Elite Associates, V. Rama Rao’s firm, which is the name you’ll see on many of the LIC HFL awards below.
Today Vijay Arjun V and Florida Salam run Teja Management Group and Elite Financial Services, working alongside Elite Associates from our office near JNTU metro in Hydernagar, Kukatpally.
We work with one lender and know it in depth: LIC HFL’s schemes, its credit policy, and the builder projects it has already approved. That focus is why people come to us for files a general loan agent finds hard: loans in approved (APF) projects, plot and construction loans, self-employed and NRI applicants, pensioners, and balance transfers.
The service is free of charge to you. You get one person who checks your eligibility honestly before you apply, gives you the exact document list for your case, and follows your file through LIC HFL’s credit, legal and technical checks until the money is disbursed.
Over the years that work has added up to a portfolio of more than ₹2,500 crore of LIC HFL loans disbursed, mostly to families in Kukatpally, Miyapur, Nizampet, Bachupally, Lingampally, Kompally and Patancheru.
Awards from LIC HFL’s leadership, region and area office, as presented. Tap any photo to see it larger.
Honoured on stage at LIC HFL’s South Eastern Regional Office (SER-H) MIs’ Meet in Hyderabad, among the region’s Top Management Group intermediaries.
Felicitation at LIC HFL’s Gangtok convention, with the medal and citation presented to V. Rama Rao by LIC HFL’s MD & CEO.
Felicitated at SCALE, LIC HFL’s national convention of Pride & Elite members for membership year 2025–26, held in Gangtok in October 2025.
Presented to M/s Elite Associates “in recognition of remarkable business performance during F.Y. 2023-24”, signed by LIC HFL’s MD & CEO (Amritsar, 6 June 2024), together with an LIC HFL trophy.
Our team with LIC Housing Finance’s MD & CEO and senior marketing leadership.
Awarded by LIC Housing Finance to its top-performing intermediaries: “Thank you for your contribution.”
Honoured at a NAREDCO West Zone Builders Association (Telangana) event, alongside the developers whose buyers we help finance their homes.
A small, family-run team. The person who checks your eligibility is the person who follows your file.
Head of Marketing & Operations · DME (Direct Marketing Executive) appointed by LIC HFL
B.Pharm, PGDM (Marketing & Operations Management)
Your main point of contact: checks your eligibility, matches you to the right LIC HFL scheme, lists the exact documents and follows your file through to disbursement. Writes and fact-checks the guides on this website.
Founder
Elite Associates · 25+ years with LIC Housing Finance
Founded the business and started the family’s association with LIC Housing Finance more than 25 years ago; runs Elite Associates. Recognised by LIC HFL in its Top Management Group for FY 2025–26.
Co-founder, Teja Management Group
PGDM (Marketing, Operations & Finance)
Runs Teja Management Group and Elite Financial Services with Vijay Arjun.
No fee for our service. You pay only LIC HFL’s own charges, which we explain before you apply.
We check your income, EMIs, CIBIL and the property before you apply, so you don’t collect a rejection.
We know which Hyderabad projects LIC HFL has already approved, which makes those loans faster.
One contact through documents, LIC HFL’s checks, sanction, MODT and disbursement.
We work alongside Hyderabad developers so their buyers get LIC HFL loans without delays. See LIC HFL approved projects
First Floor, Above Siri Pearls and Jewellers, Near JNTU Metro, Hydernagar, Kukatpally, Hyderabad 500085. Monday to Saturday.
Directions to our officeLIC HFL rates from 7.15%*
Know your eligibility before you commit.
Free assessment from an authorised LIC HFL DSA — no obligation.
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