BHFL Strengths and Mortgage Products Overview
TOP 4 MORTGAGE ORIGINATOR
BHFL Core Strategy
BUILD A LOW RISK BUSINESS MODEL
In 3 years of operations, BHFL ranks
among top 7 mortgage originators in
India
Aim to be amongst the top 4 mortgage
originators in the country
To create a low risk sustainable balance
sheet delivering <0.75% GNPA & 13-15%
ROE
Focus largely on salaried home loan
opportunity
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B
BAJAJ
FINSERV
FOCUS ON CROSS SELL
48 Mn+ customer base
12 Lakh Cr mortgage opportunity available.
Focus on customer data enrichment to
create right propositions
Lower risk
DIVERSIFIED HL FOCUSED BUSINESS MIX
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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
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FOCUS ON FEE IN COME
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
FOCUS ON MASS AFFLUENT(+) CLIENTS
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Focus on mass affluent and above
customer segment
Average age of 35-40 years and average
salary of 10-20 lakhs
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