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Data on Slab-wise Housing Loans of PSBs and HFCs - Importance and Uses

Data on Slab-wise Housing Loans of PSBs and HFCs - Importance and Uses. Importance of Collection of Housing Loan Data. Helps in analyzing the trend of institutional credit in Housing Sector. Indicates flow of the institutional credit to various Slab-wise borrower segments.

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Data on Slab-wise Housing Loans of PSBs and HFCs - Importance and Uses

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  1. Data on Slab-wise Housing Loans of PSBs and HFCs - Importance and Uses

  2. Importance of Collection of Housing Loan Data • Helps in analyzing the trend of institutional credit in Housing Sector. • Indicates flow of the institutional credit to various Slab-wise borrower segments. • Helps in analyzing movement of NPA, in slab-wise Housing loans. • Analysis of the data helps in recommending the required Policy Interventions by the GoI or RBI. • Helps in forecasting the requirement of funds under various Interest Subvention Schemes.

  3. Introduction & Background • National Housing Bank (NHB) is collecting the slab-wise housing loan data from Public Sector Banks (PSBs) and Housing Finance Companies (HFCs) on quarterly and yearly basis. • The data is collected in five different slabs namely: housing loans upto 2 lakh, Above 2 lakh and upto 5 lakh, Above 5 lakh and upto 10 lakh, Above 10 lakh and upto 25 lakh and above 25 lakh . • The slab wise data so collected captures following attributes: • Total housing loans disbursed during the quarter. • Total Housing loans outstanding as on last day of the quarter. • % of NPA in respect of the slab-wise loans.

  4. Steps Initiated in Collection of Data • The format for submitting the Data has been designed and forwarded to all the Banks. • NHB has requested all Public Sector Banks (PSBs) to appoint Nodal Officers as one-point contact for submission of the data. • 15 PSBs out of 26 PSBs have appointed the Nodal Officers. • The data so collected is shared with Ministry of Finance regularly on monthly basis.

  5. FORMAT for providing the Data

  6. Slab-wise Data received from 26 PSBs

  7. Slab-wise data received from HFCs

  8. Way Forward • Collection of such data will help in building a strong and broad based data for the Industry. • Such database will help in undertaking various sector-related studies which can be shared with industry players. • Sharing of data/study findings, will facilitate Banks & HFCs in designing their future Business Strategies/Targets. • Data pertaining to NPA across the various slabs may help Banks & HFCs in further improving their recovery mechanism and NPA Management System. • Availability of Data will serve as a vital input for the Government, RBI and NHB for appropriate policy and regulatory interventions.

  9. THANKYOU

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