Housing Finance Companies

HDFC is the big boss here, huge valuations and huge player. A lot of banks are in this business as well. HFCs are better focussed to lend into categories such as Home loans and mortgages. Banks such as ICICI, SBI are also popular places where people tend to shop when getting their loans. 

Company Name	Last Price	52 wk	52 wk	Market Cap	Net Profit
		High	Low	(Rs. cr)	(Rs. cr)
HDFC	668.05	736.45	582.25	98,482.05	3534.96
LIC Housing Fin	225.85	245	150.4	10,720.26	974.49
Dewan Housing	185.55	288	171.1	1,946.11	265.13
GRUH Finance	551.2	630.05	310.1	1,945.82	91.51
GIC Housing Fin	74.05	122.4	68	398.77	113.77
Shristi Infra	154	248.7	132.1	341.88	3.73
Can Fin Homes	91.6	135.8	86.55	187.64	42.02
Sharyans Res	52.3	83.5	42.5	77.77	1.61
India Home Loan	42.4	52.3	37.45	46.39	0.13
Sahara Housing	57.55	138.1	52.3	40.28	2.26
Coral India Fin	18.6	29	17	19.38	5.98
Vax Housing	15.12	71.8	8.93	11.95
Manraj Hsg Fin	21.65	30.85	20	10.83	0.48
Ind Bank Housin	9.74	22.7	8.48	9.74	-2.92
Parshwanath	23.7	90.75	23.7	7.11	1.35
Int Housing Fin	2.76	7.14	2.71	4.96	-0.03
Sylph Tech	2.52	6.63	2.52	1.25	0.22
Saya Housing	4.04	6.95	2.94	1.21	0.03

From Emkay Indian Housing finance sector report:

Mortgage/GDP in India is a meager 10%* and with improving demographics and economies of scale, we believe there is room for growth.

The recent NHB regulation on withdrawal of pre-payment penalty and uniformity in interest rates on floating loan is unlikely to have any material impact on growth and profitability.

In order to gauge the impact of interest rate on housing loan growth,

we have plotted the trend on yoy growth in individual loan portfolio and floating rate loan of

HDFC. Our analysis depicts that interest rates have minimal impact on mortgage demand in

the past. This is clearly evident from the fact that over the last decade, despite volatile

interest rate regime (8.25%-12.75%), HDFC has witnessed healthy 24% CAGR in its loan

book.