Investor Presentaiton
Operational & Financial Highlights: Mortgages
GHDFC
HOUSING ACROSS INCOME GROUPS
In Value terms
HIG 43%
Housing Loan Approvals Based on Income Slabs H1FY22
In Number terms
HIG 21%
MIG 43%
MIG 49%
LIG / EWS
14%
LIG/EWS
30%
Economically Weaker Section: Up to Rs 0.3 mn p.a
Middle Income Group: Above Rs 0.6 mn to Rs 1.8 mn p.a.
Housing Loans to EWS & LIG Segments
Low Income Group: Above Rs 0.3 mn to Rs 0.6 mn p.a.
High Income Group: Above Rs 1.8 mn p.a.
30% of home loan approvals in volume terms and 14% in value terms has been to the
EWS & LIG segments
Average home loan - EWS: Rs 1.11 mn, LIG: Rs 1.94 mn
Credit Linked Subsidy Scheme (CLSS): HDFC has the highest number of beneficiaries at over
270,000, with cumulative disbursements of Rs 459 bn and a subsidy amount of Rs 63 bn.
16View entire presentation