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
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.
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.
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).
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.
Note: India’s mortgage-to-GDP ratio is for Financial Year 2023, while data for other regions is as of Calendar Year 2018. Europe refers to the 28 European Union member states as of December 2018. dia’s mortgage-to-GDP ratio is for Financial Year 2023, while data for other regions is as of Calendar Year 2018. Europe refers to the 28 European Union member states as of December 2018.
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.
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.
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.
Commercial real estate. developers, HNIs,. listed REITs, Private. Equity & Sovereign. funds. Customers. Residential &. Commercial real. estate developers. 2217. th. Annual Report 2024-25 ffordable. Customers. Commercial real estate. developers, HNIs,. listed REITs, Private. Equity & Sovereign. funds. Customers. Residential &. Commercial real. estate developers. 2217. th. Annual Report 2024-25.