NATIONAL

HOUSING BANK

ABOUT NHB
Absence of specialized institutions catering to housing credit
needs of the population.
Need for an apex level institution for developing a marketoriented housing finance system in the country.
NHB Established in 1988 by an Act of Parliament as the Apex
Institution for the Housing Finance System.
Wholly owned by the Reserve Bank of India.
Sriram Kalyanaraman is the first appointee to the newly created
post of Managing Director and CEO in NHB.

IDEOLOGY
MISSION

To harness and promote the market potentials to

serve the housing needs of all segments of the
population with the focus on low and moderate
income housing.

VISION

Promoting inclusive expansion with stability in

housing finance market.

AIMS AND OBJECTIVES

To promote a sound, healthy, viable and efficient housing finance
system to cater to all segments of the population.
To support housing finance institutions through financing and
capacity building measures.
To catalyze flow of funds to all regions and incomes groups.
To develop market infrastructure for sound growth of housing finance
system.
To ensure expansion and stability in the housing finance market.

ROLE OF THE NATIONAL HOUSING

BANK
Augmenting Resources for the housing sector
Leveraging the liquidity
Support specialized institutions to serve as dedicated
centers for housing credit
Fill the credit gaps suffered by low income households
by strengthening linkages between formal and
informal sector.
Strengthening linkages between formal and informal
sector institutions - Financing MFIs

FUNCTIONS

Financing
Refinance to HFCs
and Banks
Direct Finance to
MFIs,
Public
Agencies
Special
Finance
Schemes
for
affordable housing

Regulation of HFCs through

Registration

Prudential Norms

KYC Norms

Grievance Redressal
Supervisory oversight and building
confidence in the sector by On-site
and off-site surveillance

Financi
ng

Promotion

Promotion
Setting up of institutions
Developing secondary mortgage
market and linking it with capital
and other markets in financial
sector
Other products such as RML, RMLeA
etc
Providing equity support
Formulation of Housing Price Index
Capacity Building of HFC sector

REVERSE MORTGAGE

MBS

NHB PERFORMANCE
HIGHLIGHTS
Cumulative refinance disbursements crossed Rs.1000 billion towards
refinance for housing sector.
NHB has cumulatively disbursed subsidy claims amounting to Rs.78.54
million covering8885 beneficiaries across 8 states under the ISHUP
Scheme
In 2013-14(FY ending 30.613), NHB has disbursed Rs.3137.5 million
under the 1% Interest Subvention Scheme up to 31st Mar, 2014
NHBs refinance disbursements in 2013-14, Rs.143.9 billion Rural 39% and Urban 61% while in 2013-2014 it is Rs.157.5 billion, Rural 43% and Urban 57%
Loans below Rs.1.5 million constituted 75.63% of the total refinance
portfolio.
The Banks Housing Micro Finance (HMF) programme covers 40210
housing units located in both urban and rural areas of the country.

LIST OF HOUSING FINANCE COMPANY

(MCAP BASIS)

MARKET INSIGHT

Thank You