NSE-listed housing finance companies and NBFCs riding India’s home loan boom, from affordable housing lenders in Tier 2-3 cities to large mortgage originators.
Sectors represented: Financial Services, Diversified
The broader mortgage finance industry has grown consistently at ~15% during the past decade, driven by. rising home ownership aspirations, urbanisation, and improving affordability. ing credit access. The broader mortgage finance industry has grown consistently at ~15% during the past decade, driven by. rising home ownership aspirations, urbanisation, and improving affordability.
According to CRISIL, the Indian housing finance market. grew at a healthy 13% CAGR (growth in loan outstanding. - total housing loans on the books of all financiers put. together) from `15 trillion in FY2018 to ` 29 trillion. in FY2023 led by strong growth in normal housing. loans (>`1.5 million). housing loans on the books of all financiers put.
Additionally, their efforts to expand branch networks. enhance their reach and accessibility. (Source: https://www.techmagnate.com/blog/gold-loan-market-in-india/,. https://www.financialexpress.com/business/banking-finance-gold-loan-nbfcs-. maintain-resilient-market-share-at-60-between-mar-2021-to-sep-2023-. despite-bank-competition-3354279/). Housing Finance.
The key. characteristics of an affordable housing loan are the customer. profile (Limited formal documentation of income) and the size of. dwelling unit, which generally ranges between ~300-600 sq. ans. The key. characteristics of an affordable housing loan are the customer. profile (Limited formal documentation of income) and the size of. dwelling unit, which generally ranges between ~300-600 sq.
These. loans are mainly provided for funding the clients’ group. activities and repayment of existing loans (secured and. unsecured). As at March 31, 2023, the total loan book for wholesale. mortgage lending stood at ` 8,445 Crore as compared to p. activities and repayment of existing loans (secured and. unsecured). As at March 31, 2023, the total loan book for wholesale.
ReligareHousing Development Finance Corporation Limited (RHDFCL) –. Affordable Housing Specialist within REL Ecosystem. 34. Branch Network. AUM. Rs. lopment Finance Corporation Limited –Business Overview. ReligareHousing Development Finance Corporation Limited (RHDFCL) –. Affordable Housing Specialist within REL Ecosystem. 34. Branch Network. AUM. Rs. 243Cr. Product Mix. HL –66%. LAP –34%.
Further,. the announcement of SWAMIH 2. fund in Budget 2025 is expected. to accelerate the construction of. delayed projects. In response, housing finance. companies have been agile and. proactive—adapting product portfolios,. embracing digital tools, expanding. their presence across the country, nstruction of. delayed projects. In response, housing finance. companies have been agile and.
Housing Finance Companies' (HFC) Assets Under Management. (AUM), experienced a growth of around 12% in FY2023. ustry. The housing loan sector, which comprises approximately 72% of. Housing Finance Companies' (HFC) Assets Under Management. (AUM), experienced a growth of around 12% in FY2023. This. growth can be attributed to a variety of factors, including enhanced.
OUTSTANDING LOANS FOR HFCs IN HOUSING. LOANS. 20192020202120222023E. 7.31. 7.81. 7.78. 8.34. 9.07. 14.813.714.615.715.7 al changes, with a focus on credit quality and. collection efficiency. OUTSTANDING LOANS FOR HFCs IN HOUSING. LOANS. 20192020202120222023E. 7.31. 7.81. 7.78. 8.34. 9.07. 14.813.714.615.715.7. Average ticket size (In ` Lakh). Outstanding loans (In ` Lakh Crore).
Digitalloanoriginationmobileandweb. applicationforseamlessjourney. . Enablingsales,creditandoperationsto. improvequantityandquality. . Enablingpaperlesslending. . Increased regulatory and audit. compliance. . Digital case credit assessment memo. (CAM)generation. ssjourney. . Enablingsales,creditandoperationsto. improvequantityandquality. . Enablingpaperlesslending. . Increased regulatory and audit...
The proportion of homebuyers aged. under 35 increased as a proportion of. the whole and families buying second. homes increased as buyers moved into. larger homes. Collection efficiency. for NBFCs and housing finance. companies remained in the range of. 97-101% when last estimated at the. beginning of FY 22-23. ond. homes increased as buyers moved into. larger homes. Collection efficiency.
As of FY24, housing credit. stands at approximately `33 trillion, with forecasts. indicating that this figure is expected to more than. double, reaching between `77 and `81 trillion by. FY30. housing credit. stands at approximately `33 trillion, with forecasts. indicating that this figure is expected to more than. double, reaching between `77 and `81 trillion by. FY30.
Expected CAGR of 10-12% as per India. Ratings g Finance – History. Topic. Affordable Housing Finance – Future (in. 2030). CAGR of 15.5% in overall Housing. Finance (FY15-FY25). Housing Finance. Sector Growth. Expected CAGR of 10-12% as per India. Ratings. CAGR of 10.1% in Affordable Housing. (FY15-FY25). AHF Sector. Growth. Expected CAGR of ~12%. Affordable Housing AUM of $ 140 bn. AHF Size.
Pradhan Mantri Awas Yojana (Urban), Pradhan Mantri. Awas Yojana (Gramin), and tax moderation have. played instrumental roles in fueling the growth of. Affordable Housing Finance Companies. Pradhan Mantri Awas Yojana (Urban), Pradhan Mantri. Awas Yojana (Gramin), and tax moderation have. played instrumental roles in fueling the growth of. Affordable Housing Finance Companies.
Product. % Gross. Loan Book. (Q1FY26). % Gross. Loan Book. (Q1FY25). Growth. YoY. Growth. QoQ. Group Loans39%52%(18)%(1)%. Individual Loans16%17%7%3%. Housing. 21%16%44%7%. Micro Mortgage. 3%1%227%24%. MSME. 7%5%59%10%. FIG Lending. 8%6%55%0%. Vehicle Loan. 1.7%0.7%156%20%. Gold Loan. 0.9%0.1%845%49%. Agri Banking oans39%52%(18)%(1)%. Individual Loans16%17%7%3%. Housing. 21%16%44%7%.
This. expansion strategy has played a crucial role in increasing its. reach and customer base. (Source: Economic Times). Mortgage Loans. The Indian mortgage market, including housing loans and loans. against property, grew at approximately 15% from FY 2018-19 to. FY 2022-23. ach and customer base. (Source: Economic Times). Mortgage Loans.