Project on Housing Finance in India A Comparative Study

Project on Housing Finance in India a Comparative Study

Abstract

A home is a fundamental need, a symbol of security, and a measure of financial position and pride. In India, legislative changes in the housing industry have resulted in a rise in the number of banks and non-banking financial organization's offering various kinds of home financing services. In this respect, public (HFCs) and private HFCs are functioning at various levels to offer home financing to all segments of society. 

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Introduction

Housing Finance are specialist organizations that lend in the housing sector and make up a significant portion of the mortgage lending institutions in India. The housing finance sector has grown exponentially and sustainably over the past ten years, with a 20 percent CAGR driven by favorable fiscal, monetary, and regulatory policies. Banks and Home Financing Companies (HFCs) are the main participants in India's housing finance industry. HFCs are non-banking financial organizations registered with the National Housing Bank (NHB), which was formed in 1988 under the NHB Act of 1987. In March 2017, HFCs represented for almost 40% of the entire home financing sector. 

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The entire home loan portfolio increased from a low of Rs.30,000 crores in 1997-1998 to more than Rs.14.4 lakh crores in 2017 (ICRA). Housing Development Financing Corporation (HDFC) was established in 1977 as the country's first and biggest private sector housing finance business. Given the recent change and deregulation of India's housing finance industry, as well as its growing significance in financial inclusion, it is critical that the performance of HFCs be evaluated in terms of profit generating potential.


Conclusion

According to the findings of the preceding study, private HFCs outperformed their public counterparts in terms of long-term profitability and efficient use of money. Despite having greater operational and financing expenses, they have outperformed public HFCs. In contrast to the profitability ratios, public HFCs fared better than private HFCs in terms of the operational costs ratio and the cost of debt ratio, both of which were lower, suggesting that they were able to reduce their operating expenditures.

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