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
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.
Affordable Housing Finance Companies (AHFCs). also recorded strong growth, with AUM increasing nearly. 19% year-on-year to approximately ` 1,58,449 Crores during. FY 2025-26. ng the year. Affordable Housing Finance Companies (AHFCs). also recorded strong growth, with AUM increasing nearly. 19% year-on-year to approximately ` 1,58,449 Crores during. FY 2025-26.
During the year, RHDFCL served ~3,100+ customers across 8. Indian states through 15 branches. Customer mix remained. stable, with salaried customers accounting for 43% of the. customer base, supported by a balanced geographic mix. Housing loans constituted 66% of the portfolio, with the mained. stable, with salaried customers accounting for 43% of the.
Between March 2023 and September. 2025, the aggregate outstanding individual housing loan. portfolio of Banks and HFCs increased from Rs. 28.26 lakh. crore to Rs. 37.18 lakh crore, registering a compound annual. growth rate (CAGR) of 7.35%. e aggregate outstanding individual housing loan. portfolio of Banks and HFCs increased from Rs. 28.26 lakh. crore to Rs.
The secured MSME. LAP portfolio outstanding is projected to grow by 16-18% over. FY 2024-25-FY 2027-28, reflecting sustained demand for asset-. backed credit. complementing traditional housing finance. The secured MSME. LAP portfolio outstanding is projected to grow by 16-18% over. FY 2024-25-FY 2027-28, reflecting sustained demand for asset-. backed credit.
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.
Leveraging technology to enhance underwriting efficiency and sustain portfolio quality. Sustainable Growth. . Industry estimates of 20-21% indicate continued strong growth for the affordable housing finance. sector through FY27 enhance underwriting efficiency and sustain portfolio quality. Sustainable Growth. .
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...
Integrated Annual Report FY2025-26. R. Operational Context. India’s Affordable Housing Finance Sector. India’s affordable housing finance sector continues. to represent one of the most durable structural. opportunities in the country’s financial services. landscape. ble Housing Finance Sector. India’s affordable housing finance sector continues. to represent one of the most durable structural.