BHFL Strengths and Mortgage Products Overview
B
BAJAJ
FINSERV
2,057 Cr
Asset Under Management
■
☐
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 8 locations (not
operational in Delhi & NCR).
Focus on converting DF exposure
to retail low risk HL exposures
Developer Finance
☐
222
Active Developers
Developer Profile
Developer should have built
minimum 0.75 - 1 million sqft. in
past 7-10 yr.
Developer should not have more
than 2-3 live projects
Low leverage
Developer should be large in the
concerned micro-market
15-35 Cr
☐
☐
Average Ticket Size
Operating Model
Centralized underwriting
Disbursal only after RERA and
Building approvals
Deferred disbursement basis
stage of construction and sales
milestones
Principal sweep from Day 1
Interest servicing mandatory to
be done on a monthly basis with
no moratorium
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