25 YEARS IN INDIA: LEADING WITH IMPACT
Advances deep-dive
(select products)
Housing loan: With Income levels intact and home loan rates around historical lows,
disbursements rebounded in the second half of FY22
Housing loans credit growth rebounded in
FY22
NBFCs housing loan book
Housing loan book :
~24.5 trillion
Bank- 65%
NBFC-35%
9,900
21%
20%
8,361
7,630
CAGR
(FY18-21)
FY21-22
(YoY %)
FY22-23
(YoY %)
7,131
6,890
6,327
15%
13%
5,240
9%
Book growth Industry
10%
12.4%
16%
Continued support from the govt. and central bank
An increase in demand for housing
Penetration in tier II and III cities by affordable HFCs led to a
•
reversal of trend in the segment during FY22
E- Estimated, P- Projected
Source: CRISIL Research; BCG analysis
7%
4%
FY17
FY18
FY19
FY20
FY21
FY22E
FY23P
Credit outstanding (Rs billion)
% y-o-y change
36
36
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