Investor Presentaiton
Indian Affordable Housing Finance Market Expected To Show Significant Growth
INDOSTAR
Ticket Size (Rs)
Players in Indian Mortgage Market
Increasing Penetration in LIG & EWS Segments to Drive Growth
69%
41%
Average LTS
Affordable Housing Market
Comprises of loans with ticket
sizes less than Rs 15 Lacs
AUM - Rs 5 TN
17.1
35%
10.2
> 15 Lacs
8.7
Rs 25 Tn
19%
Household Income:
4.7
6-15 Lacs
5%
10%
11%
7%
3%
2.5
2.8
1.8
0.6
<5L
5L-10L
10L-15L
15L-20L
>20L
AUM (RS Tn)
Market Share
Indian
Mortgage
Market (FY22)
MIG &
HIG
LIG
Rs 6 Lacs
EWS
1.3
2-5 Lacs
Household Income:
Rs 3 Lacs
Public
Sector
HFCS
Banks
Private
Sectors
Banks
Others
AUM (RS Tn)
Market Share
Indian Mortgage
Market
Tier II and
Below
~20 Mn Units
Metros
and Tier I
Affordable Mortgage Market is expected to
grow at over 10% in the next 5 years...
...with AHFCs gaining market share in overall
HFC market over the past few years
7.2
5.0
4.0
Rs. 8 Tn
Rs. 5
Tn
FY20
FY27E
Mar-18
Mar-20
Dec-21
Under
Penetratio
n in Tier II
and Below
Market
Housing
Shortage
Financed
Units
10 Mn
10 Mn
Financed
Units
1,100 Mn/
220 Mn
Significant
room to grow
230 Mn/
46 Mn
Financed
Units
~5%
~22%
In 2022, housing shortage in India was 100 Mn units with LIG &
EWS contributing 95% to the same
Incremental housing loan demand from above shortage is Rs
50-6- Tn indicating huge potential for growth
Significant Tailwinds In Favour Of Affordable Housing Helping Affordable Housing Finance Companies ('AHFC') Gain Market Share
Source: CRIF High Mark Report, ICRA, Prospectus of Listed Peers
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