This document summarizes a study on the evolution and performance of housing loans in India. It begins with an abstract stating that housing is a basic need and important part of social and economic development. However, many people in India live in inadequate housing conditions. It then reviews previous literature on factors influencing housing demand and loan repayment behavior. The objectives and methodology of the current study are described as analyzing housing finance in India, examining customer views and identifying key factors for HDFC housing loan recipients. An overview of the structured housing finance system in India is provided, including the roles of the National Housing Bank, life insurers, and commercial banks. Different types of housing loans available in India are also outlined.