INDIABULLS HOUSING FINANCE: MOVING TOWARDS A HIGHER PLANE
Dalal Street Investment Journal|December 20, 2021
With the company having laid the foundation of its new retail-focused, asset-light business model, FY22 will be a year of ‘transition and growth’ as it will look to put itself on a rating upgrade trajectory and effectively utilise its co-lending partnerships to scale up retail disbursals

Indiabulls Housing Finance is third-largest housing finance company in the country. A technology-focussed organisa-tion that introduced India to its very first end-to-end digital home loan technology platform, the company has been of service to more than 1 million happy home owners across the country and has collectively disbursed loans of over Rs 2.84 lakh crore. As the company has grown over the years, customer delight has been an unwavering priority. The company takes pride in being able to provide its customers with smart solutions and rich experiences through 3,480 employees operating across its nationwide network of 125 branches, 8,000+ channel partners and pioneering digital platforms that offer customised solutions and round-the-clock service to its customers.

The company ensures that no stone is leftunturned in providing quality customer experience throughout a customer’s journey; right from helping them find the perfect property to supporting them through the more detailed requirements of credit due diligence, approval and eventual fulfilment with disbursal of the loan. Every solution is tailor-made to ensure that the home buying process is not just happy, but a memorable one. Beyond home loans for resident Indians and non-resident Indians (NRIs), the company also offers loans to small businesses and MSMEs against their properties to unlock the financial potential of their properties and home loan balance transfers that give customers the option to switch from their existing loans for better service, terms or top-up loan amounts.

Sector Overview

Housing finance companies and non-banking finance companies have been impacted by the pandemic by way of operational disruptions, subdued collections and requirement of creating additional provisions to meet the post-pandemic uncertainties. The financial year saw equity funds raised by all major players in the financial sector, including private sector banks, to keep up the capital adequacy cushion in the post-pandemic scenario. However, since the opening up of the economy from August 2020 onwards, all the major players have seen their collection efficiencies gradually returning to the pre-pandemic levels. Adapting to the restrictions of the imposed lockdowns, banks, NBFCs and HFCs are ramping up their digital initiatives in order to keep up the loan book growth and to attend to customer requirements.

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