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Affordable Home Loans Get Rate Cut Boost
Mint Mumbai
|June 11, 2025
Loans in reach Three-day return (%) of major housing finance companies.
Affordable housing finance companies (HFCs) are back in vogue since the Reserve Bank of India's (RBI) surprise 50-basis-point rate cut on 6 June. Their stocks rose around 6-7% in the last two trading days, before the broader financial services sector gave up most of its gains on Tuesday.
It's because in a low-interest rate regime, affordable HFCs are likely to offer better returns compared to prime or super-prime lenders, according to experts.
"The affordable space is niche and relatively less competitive, as there are no banks present in that segment," Anusha Raheja, research analyst at Dalal & Broacha Stock Broking Pvt. Ltd told Mint. "Hence, they will face lower NIM (net interest margin) pressures compared to the prime or super-prime segments going ahead."
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