Home Loans and Financial Growth Strategies
Core Strategy
TOP 4 MORTGAGE ORIGINATOR
>>>
>>>
In 6 years of operations, BHFL ranks
among top mortgage originators in India
Aim to be amongst the top mortgage
originators in the country in the NBFC
space
DIVERSIFIED HL FOCUSED
BUSINESS MIX
>>>
BUILD A LOW-RISK BUSINESS MODEL
To create a low-risk sustainable balance
sheet delivering GNPA in corridor of 0.6%-
0.8% and ROE of 13-15%
>>>
Focus largely on salaried home loan
opportunity
>>>
Entire suite of products available to meet
customer mortgage requirements
>>>
Home loans to contribute 60%-65% of
portfolio
>>>
>>>
Risk based business mix to ensure low risk
portfolio contribution
FOCUS ON FEE INCOME
>>>
Mortgage is a highly competitive & low
margin business with minimal pricing
width available
Focus on cross-sell income through
cross-selling / up-selling customized
VAS products & services
B FINSERV
BAJAJ
FOCUS ON CROSS SELL
>>>
>>>
ā
Consented customer base of BFL
Focus on customer data enrichment to
create right propositions
Lower risk
>>>
>>>
FOCUS ON MASS AFFLUENT (+)
CLIENTS
Focus on mass affluent and above
customer segment
Average age of 35-40 years and average
salary of 10-20 lakhs
19View entire presentation