Indian Housing Finance Market Outlook to 2015 - Exploring the Under-penetrated Rural Market

Date: November 22, 2011
Pages: 62
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US$ 525.00
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Publisher: Ken Research Private Ltd
Report type: Strategic Report
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ID: I895D07587FEN
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Indian Housing Finance Market Outlook to 2015 - Exploring the Under-penetrated Rural Market
Executive summary

The report titled “Indian Housing Finance Market Outlook to 2015 – Exploring the Under-penetrated Rural Market” provides a comprehensive analysis on Indian housing finance industry. The report discusses in details various aspects such as market size in terms of outstanding home loan and home loan disbursements by housing finance companies (HFCs) and Scheduled Commercial Banks (SCBs), market segmentation on the basis of tenure and interest rate of the loans, competitive landscape and company profiles of the major players operating in the country. The report also entails the trends, development and future drivers of Indian housing finance market.

The future projections are presented for the base case, conservative case and aggressive case scenario providing an insight on the prospects in the industry.

The real estate sector is one of the major contributors which support the economic development in the country and forms a major component of the financial sector. The FDI (Foreign Direct Investment) limit in the country was raised to 100% in housing and construction projects after witnessing a positive response from the foreign players.

The housing finance industry has leaped over the years from being run majorly by the government to crossing over ~ housing companies which are engaged in this sector. These institutions have nearly raised loan worth INR ~ billion over the country.

Indian Housing Loan outstanding increased from INR ~ billion in 2009 to INR ~ billion in 2010, registering an increase of housing loans to total loans from ~% in 2009 to ~% in 2010. The total housing loan disbursements have increased at a very high CAGR before the financial crisis. However, in 2009, the sector registered a dip in the double digit growth rate. Moreover in 2010, the growth rate increased for housing loan disbursements as market recovers, rising from INR ~ billion in 2009 to INR ~ billion in 2010.

The housing finance sector in the country is flooded with big and small players. The players spread across various areas such as government organizations, banks, HFC’s, co-operative societies and many others. Some of the big players operating in the industry are HDFC, LIC housing finance, SBI home finance, ICICI and Dewan Housing. HDFC Group which comprises of HDFC and HDCF bank along with SBI are the leading players in the home loan market in India. Both command a market share of ~%. LIC Housing Finance is the second largest player with ~% of the market. DHFL, HUDCO and IDBI group are some of the other major players in the industry with a market share of ~%, ~% and ~% respectively.

AM Mindpower forecasts a positive outlook for housing finance industry in the near future banking upon the tremendous recovery achieved in the 4th quarter of 2009-2010. Both the industrial as well as service sector has shown tremendous strong performance and has stood strong in tough situations that augment well for the future.

Key topics covered in the report:
  • The market size of Indian housing finance industry on the basis of outstanding home loan and home loan disbursement by HFCs and SCBs
  • Government support and yojnas affecting the housing finance industry
  • Market segmentation of outstanding housing loan by tenure, public and private sectors, interest rate, region and others
  • Recent trends, developments and drivers in the industry
  • Competitive landscape of the various players operating in the country in housing finance market
  • Company profiles of leading players with financial performance
  • Future outlook on the basis of assumed scenarios i.e. base case, worst case and aggressive case on outstanding home loan and home loan disbursement by HFCs and SCBs


1. INDIAN HOUSING AND HOUSING FINANCE MARKET INTRODUCTION

Housing and Real Estate Sector
Housing Finance Market
Indian Housing Finance Market Timeline

2. GOVERNMENT INITIATIVES TO PROMOTE HOUSING FINANCE

3. INDIAN HOUSING AND HOUSING FINANCE MARKET SIZE, FY’2005 - FY’2010

3.1. Housing Loan Outstanding by Housing Finance Corporations and Scheduled Commercial Banks, FY’2005 - FY’2010
3.2. Housing Loan Disbursement by Housing Finance Corporations and Scheduled Commercial Banks, FY’2005 - FY’2010

4. INDIAN HOUSING FINANCE MARKET BY CATEGORY

4.1. Housing Finance Corporations (HFCs)
  4.1.1. Home Loan Outstanding of HFCs by Private and Public Sector, FY’2005 - FY’2010
  4.1.2. Home Loan Outstanding of HFCs by Commercial Bank Sponsored and Others, FY’2005 -FY’2010
  4.1.3. Term-wise Housing Loans outstanding of HFCs, FY’2008 - FY’2010
4.2. Scheduled Commercial Banks (SCBs)
  4.2.1. Housing Loan Outstanding of SCBs by Region, FY’2005 - FY’2010
  4.2.2. Housing Loan Outstanding of SCBs by Category, FY’2009 - FY’2010
  4.2.3. Housing Loans Outstanding of SCBs by Interest Rate, FY’2005 - FY’2010

5. HOUSING PRICE MOVEMENT INDEX IN MAJOR CITIES, 2007-2010

6. INDIAN HOUSING FINANCE MARKET TRENDS AND DEVELOPMENTS

7. INDIAN HOUSING FINANCE MARKET DRIVERS

8. INDIAN HOUSING FINANCE COMPETITIVE LANDSCAPE, FY’2011

9. INDIAN HOUSING FINANCE COMPANY PROFILES

9.1. Housing Development Finance Corporation Ltd (HDFC)
Company Overview
Home Loan Sanctions and Disbursement, FY’2006-FY’2011
9.2. LIC Housing Finance
Company Overview
Home Loan Sanctions and Disbursement, FY’2006-FY’2011
9.3. State Bank of India (SBI) Home Finance
Company Overview
Home Loan Sanctions and Disbursement, FY’2008-FY’2011
9.4. Dewan Housing Finance Corporation Limited (DHFL)
Company Overview
Home Loan Sanctions and Disbursement, FY’2006-FY’2011

10. INDIAN HOUSING FINANCE MARKET FUTURE OUTLOOK

10.1. Cause and Effect Relationship between dependent and independent factors prevailing in Housing Finance Industry

11. INDIAN HOUSING FINANCE MARKET INDUSTRY PROJECTIONS, FY’2011-FY’2015

11.1. Housing Loan Outstanding by Housing Finance Corporations and Commercial Banks, FY’2011 - FY’2015
11.2. Housing Loan Disbursement by Housing Finance Corporations and Commercial Banks, FY’2011 - FY’2015
11.3. Home Loan Outstanding of HFCs by Private and Public Sector, FY’2011 - FY’2015

12. INDIAN HOUSING FINANCE INDUSTRY FACTORS: CURRENT AND PROJECTIONS

12.1. FDI Inflow in Housing And Real Estate
12.2. Consumer Expenditure on Housing and Housing fuels, FY’2005-FY’2015
12.3. Indian Housing Price Index, 2005-2015

13. MACRO-ECONOMIC FACTORS: CURRENT AND PROJECTIONS

13.1. Urban and Rural Population, 2005-2015
13.2. GDP, 2005-2015

14. APPENDIX

14.1. Market Definition
14.2. Abbreviations
14.3. Research Methodology
Data Collection Methods
Approach
Variables (Dependent and Independent)
Multi Factor Based Sensitivity Model
Scenario Analysis
Final Conclusion
14.4. Disclaimer

LIST OF FIGURES

Figure 1: Indian Housing Finance Market Timeline, Pre 1970 to 2008 Onwards
Figure 2: Indian Housing Loan Outstanding in INR Billion and Percentage of Housing Loans to Total Loans, FY’2005-FY’2010
Figure 3: Indian Housing Loan Outstanding per Capita in INR and Percentage of GDP, FY’2005-FY’2010
Figure 4: Indian Housing Loan Outstanding by Housing Finance Corporations and Scheduled Commercial Banks in INR Billion, FY’2005-FY’2010
Figure 5: Indian Housing Loan Disbursement by Housing Finance Corporations and Scheduled Commercial Banks in INR Billion, FY’2005-FY’2010
Figure 6: Indian Housing Loan Outstanding of HFCs by Private and Public Sector in INR Billion, FY’2005-FY’2010
Figure 7: Indian Housing Loan Outstanding of HFCs by Commercial Bank Sponsored and others in INR Billion, FY’2005-FY’2010
Figure 8: Indian Housing Loan Outstanding of SCBs by Region in Percentage, FY’2005-FY’2010
Figure 9: Indian Housing Loan Outstanding of SCBs by Category in Percentage, FY’2009
Figure 10: Indian Housing Loan Outstanding of SCBs by Category in Percentage, FY’2010
Figure 11: Indian Housing Finance Companies’ Market Share on the Basis of Home Loan Disbursement, in Percentage, FY’2011
Figure 12: HDFC’s Home Loan Sanctions and Disbursement, in INR Billion, FY’2006-FY’2011
Figure 13: HDFC’s Housing Loan Lenders’ Profile, in Percentage, FY’2011
Figure 14: LIC’s Home Loan Sanctions and Disbursement, in INR Billion, FY’2006-FY’2011
Figure 15: SBI’s Home Loan Portfolio and Disbursement, in INR Billion, FY’2008-FY’2011
Figure 16: DHFL’s Home Loan Sanctions and Disbursement, in INR Billion, FY’2006-FY’2011
Figure 17: Indian Housing Loan Outstanding by HFCs in INR Billion, FY’2011-FY’2015
Figure 18: Indian Housing Loan Outstanding by SCBs in INR Billion, FY’2011-FY’2015
Figure 19: Indian Housing Loan Disbursement by HFCs in INR Billion, FY’2011-FY’2015
Figure 20: Indian Housing Loan Disbursement by SCBs in INR Billion, FY’2011-FY’2015
Figure 21: Indian Housing Loan Outstanding of HFCs by Private and Public Sector in INR Billion, FY’2011-FY’2015
Figure 22: Consumer Expenditure on Housing and Housing Fuels in India in INR Billion, FY’2005-FY’2015
Figure 23: Indian Housing Price Index, FY’2005-FY’2015
Figure 24: Indian Rural and Urban Population in Million, 2005-2015

LIST OF TABLES

Table 1: Government Initiative to promote rural housing finance market
Table 2: Indian Housing Loan Outstanding of HFCs by Private and Public Sector in INR Billion, FY’2005-FY’2010
Table 3: Indian Housing Loan Outstanding of HFCs by Commercial Bank Sponsored and Others in INR Billion, FY’2005-FY’2010
Table 4: Term-wise Housing Loans Outstanding of HFCs in INR Billion, FY’2005-FY’2010
Table 5: Term-wise Housing Loans Outstanding of SCBs by Region in INR Billion, FY’2005-FY’2010
Table 6: Housing Loans Outstanding of SCBs by Interest in Percentage, FY’2005-FY’2010
Table 7: Housing Price Movement Index in Major Cities (Base Year = 2007), FY’2005-FY’2010
Table 8: Indian Housing Finance Companies’ Market Share on the Home Loan Disbursement, in INR Billion, FY’2011
Table 9: DHFL Major Products and Services Overview
Table 10: Cause and Effect Relationship Analysis between Industry Factors and Expected Housing Finance Market Prospects
Table 11: Indian Housing Loan Outstanding by HFCs in INR Billion, FY’2011-FY’2015
Table 12: Indian Housing Loan Outstanding by SCBs in INR Billion, FY’2011-FY’2015
Table 13: Indian Housing Loan Disbursement by HFCs in INR Billion, FY’2011-FY’2015
Table 14: Indian Housing Loan Disbursement by SCBs in INR Billion, FY’2011-FY’2015
Table 15: FDI Inflow in Housing and Real Estate in India, FY’2005-FY’2015
Table 16: India GDP at Current Prices, in INR Billion, 2005-2015
Table 17: Correlation Matrix
Table 18: Regression Coefficients Output
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