HDFC Business and ESG Overview

HOUSING ACROSS INCOME GROUPS Housing Loan Approvals Based on Income Slabs FY22 In Value terms HIG 45% MIG 42% In Number terms LIG / EWS 13% MIG 48% HDFC WITH YOU, RIGHT THROUGH O HIG 23% LIG / EWS 29% 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. 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. Housing Loans to EWS & LIG Segments • • 29% of home loan approvals in volume terms and 13% in value terms has been to the EWS & LIG segments Average home loan - EWS: Rs. 1.12 mn, LIG: Rs. 1.97 mn Credit Linked Subsidy Scheme (CLSS): HDFC has the highest number of beneficiaries at over 310,000, with cumulative disbursements of Rs. 521 bn and a subsidy amount of Rs. 72 bn. 21 21

View entire presentation