Home Loans and Financial Growth Strategies
Developer Finance
6,511 Cr
504
Asset Under Management
Number of Active Projects
B FINSERV
BAJAJ
33 Cr
Average Ticket Size
Business Approach
>>> Focus on building a granular book
>>>
Focused on end unit price <1 Cr
other than Mumbai and <1.5 Cr in
Mumbai
No land financing
Operative in 14 locations (not
operational in Delhi & NCR)
Focus on converting DF exposure
to retail low risk HL exposures and
CCF exposure to lease rental
discounting
Developer Profile
Operating Model
Developer should have built
minimum 0.75 - 1 million sq. ft. in
past 7-10 years
>>>
Centralized underwriting
>>>
Disbursal only after RERA and
Building approvals
Deferred disbursement basis
Developer not to have more than
3-4 live projects
Low leverage
>>> Developer should be large in the
concerned micro-market
>>>
stage of construction and sales
milestones
>> Interest servicing mandatory to
be done on a monthly basis with
no moratorium
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