Housing Finance pptx for MBA students to

Housing finance ppt and its details

2. Housing Finance
Presented by
-Prachi Shah
-Nancy Patel
-Jency Merja

3. ❖Introduction
In India, housing finance is offered by
Banks and housing finance companies
(HFCs).
Following the introduction of several
economic reforms and a rise in demand
for housing infrastructure across cities,
globally renowned industrial houses are
venturing into the housing market.

4. Objectives of Study
To make comparative analysis of SBI, LIC (Public Sector) and HDFC
(Private Sector) banks.
To understand current scenario of the "Indian Housing Finance"
To get knowledge about "Indian Housing Finance such as operation
perform by banks, Different types of bank product, Services"

5. Direct Housing Finance
•Direct Housing Finance
refers to the finance
provided to individuals or
group of individuals
including co-operative
societies.
Indirect Housing Finance
•Banks should ensure that
their indirect housing
finance is by way of term
loans to housing finance
institutions, housing
boards, other public
housing agencies, etc.

6. Direct Finance
Loans upto₹ 15 lakh in rural, semi
urban, urban and metropolitan areas for
construction of houses by Individuals,
with the approval of their boards.
Loans upto₹ 1 lakh in rural and semi
urban areas and₹ 2 lakhs in urban areas
for repairs to damaged houses by
individuals

7. Indirect Finance
Assistance given to any governmental agency for
construction of houses or of slum clearance and
rehabilitation of slum dwellers, subject to a ceiling of₹
5 lakhs of loan amount per housing unit
Assistance given to a non-governmental agency
approved by National Housing Bank for the purpose of
refinancefor re-construction of houses or for slum
clearance and rehabilitation of slum dwellers, subject to
a ceiling of₹ 5 lakh of loan amount per housing unit.

9. Earlier Marketing Scenario
Walk-in customers
Passive marketing, belief that word of mouth from a satisfied
customer was the best form of advertising.

10. Present Scenario
With increased competition, buyers became more demanding
Customers want door step service
Use of direct selling agents
Property fairs and exhibitions
Cross selling products and services

11. STUDY ON SBIHOMEFINANCE,
HDFC, LIC HOUSING FINANCE.

12. STATE BANK OF INDIA
HOME FINANCE (SBI)
•The share of residential housing loans
in total advances has increased over
the last eleven years to 14.2 per cent in
March 2023 from 8.6 per cent in
March 2012
•The SBI housing loan schemes are
specifically designed to meet the
varied requirements of the customers.
•The net profit ofSBI is 16884 crores
asof 2023.

13. LIC HOUSING
FINANCE LIMITED
•LIC Housing finance is another major
player in housing finance sector in
India with about 8% of Market Share.
•Promoted by LIC, LICHFL has an
extensive distributionnetwork with a
strongbrand presence.
•The NetProfit of LICHFLis1324
Croreas of 2023.

14. HOUSING DEVELOPMENT
FINANCE COMPANY
•HDFC'S basic function is to provide
housing loans to the individuals or
group of individuals.
•HDFC'Scurrent share price
is₹1610.90
•The Net Worth of HDFC is $167.13
billion as of August 2023.

15. ▪The housing finance market is expected to expand at a compound annual
growth rate (CAGR) of 20.58% during the FY 2022
▪Increasing urbanization and affordable mortgage rates are the two key factors
propelling the growth of the market.
▪In 2021, the affordable housingsegmentmade up90% of themarketin terms
of volume and about 60%based onvalue.