The document discusses HDFC, an Indian financial services company that provides home loans. It details HDFC's history, operations, and subsidiaries that are involved in home loan origination and sales. Key information presented includes HDFC being one of the largest banks in India by assets, having over 2,700 branches nationwide, and its home loan subsidiary HDFC Sales being the largest mortgage distribution company in the country, originating over $20 billion annually in home loans. The document also reviews recent RBI policy changes around repo rates, reverse repo rates, CRR, and SLR that impact home loan interest rates.

1. HOME LOANS
HDFC
HOME LOANS
By:- BRIJESH YADAV
(MBA + PGDBM )
TAXILA BUSINESS
SCHOOL (JAIPUR) BY:- BRIJESH
YADAV

2. HDFC
• HDFC Is an Indian financial services company based in Mumbai, Maharashtra that
was incorporated in August 1994.
• HDFC Bank is the fifth or sixth largest bank in India by assets and the first largest
bank by market capitalization as of November 1,2012.
• The bank was promoted by the Housing Development Finance
Corporation, a premier housing finance company (set up in 1977) of India. As on
December 2012,
• HDFC Bank has 2,776 branches and 10,490 ATMs, in 1,399 cities in India, and all
branches of the bank are linked on an online real-time basis.
• As of December 2012 the bank had balance sheet size of Rs. 3837 billion. For the
fiscal year 2011-12, the bank has reported net profit of 5,167.07 crore (US$940.41
million), up 31.6% from the previous fiscal.
• Revenue US$ 6.487 billion 2012.
• Profit US$ 978.3 million 2012

3. Hdfc sales
HDFC SALES
• HDFC Sales, a wholly owned subsidiary of HDFC Limited
a company established and operational since 2004.
• In 8 years of operations we have grown to be the largest
mortgage distribution company in the country with annual
sales exceeding Rs. 20000 crores.
• We sell mortgage loans in over 144 locations with over
3700 employees. Apart from mortgage sales we also
provide financial management solutions to individuals
encompassing products from Life Insurance, Mutual
Funds and Fixed deposits.

4.  We are keen to enlist select colleges for recruitment of young
graduates in our constant end eavour to expand our sales force.
HDFC Sales is keen to find the correct match for its needs whilst
you will be keen to understand the details of the job on offer.
 We must have necessary details of the profile of the institution prior
to us engaging with them so as make the engagement productive for
both entities.

5. HDFC Home Loan Advantages
• Counseling and advisory services for acquiring a property
• Instant Home Loan Approval
• Widest range of home loan products & services like Home Loans, Home
Improvement Loans, Home Extension Loans, Loans to professionals for office
or clinic, Home Equity Loans (Loan against Property), Short Term Bridging
Loan etc.
• Loan from any office for purchase of home anywhere in India.
• Loan approval even before a property is selected
• Flexible loan repayment options like Step Up Repayment Facility, Flexible
Loan installments Plan, Tranche Based EMI, Accelerated Repayment Scheme
• Vast network of over 322 in India, offices in Singapore, London & Dubai and
franchises in the Gulf Cooperation Council (GCC) region.
• Click here to find the nearest HDFC Office.
• Most experienced and empowered personnel to ensure smooth & easy
processing
• Free & safe document storage
• Online loan application facility

6. Features
• Maximum loan
80% of the cost of the property (including the cost of the land) and
based on the repayment capacity of the customer.
• Maximum Term
20 years subject to your retirement age.
• Applicant and Co- Applicant to the loan
Home Loans can be applied for either individually or jointly.
Proposed owners of the property, will have to be co-applicants.
However, the co-applicants need not be coowners.
• Adjustable Rate Home Loa

7. …………………..
• Third Quarter Review 2012-13 : RBI cuts Repo Rate by 25 bps
(i.e. reduced from 8.00% to 7.75%; Similarly, Bank Rate,
Reverse Repo Rate, Marginal Standing Facility Rates also
adjusted i.e. cut by 25 bps. All these to be from immediate
effect. RBI has also cut 25 bps on CRR and thus it has been
reduced from 4.25% to 4.00%, and this will be wef 9/2/2013

8. Banks rate
• Cash Reserve Ratio (CRR)4.00% (wef 09/02/2013) -announced on
29/01/2013Decreased from 4.25%which was continuing since
30/10/2012
•
• Statutory Liquidity Ratio (SLR)
• 23%(w.e.f. 11/08/2012) (announced on 31/07/2012)Decreased from
24% which was continuing since 18/12/2010
•
• Repo Rate under LAF
• 7.75% (w.e.f.29/01/2013)
• Decreased from 8.00% which was continuing since 17/04/2012
• Reverse Repo Rate under LAF *
• 6.75% (w.e.f.29/01/2013)
• Decreased from 7.00% which was continuing since 17/04/2012

9. • Cash reserve Ratio (CRR)
• is the amount of funds that the banks have to keep with the RBI. If the central bank
decides to increase the CRR, the available amount with the banks comes down.
The RBI uses the CRR to drain out excessive money from the system. Commercial
banks are required to maintain with the RBI an average cash balance, the amount
of which shall not be less than 3% of the total of the Net Demand and Time
Liabilities (NDTL), on a fortnightly basis and the RBI is empowered to increase the
rate of CRR to such higher rate not exceeding 20% of the NDTL.
• Reverse Repo rate
• is the rate at which the RBI borrows money from commercial banks. Banks are
always happy to lend money to the RBI since their money are in safe hands with a
good interest.
• An increase in reverse repo rate can prompt banks to park more funds with the RBI
to earn higher returns on idle cash. It is also a tool which can be used by the RBI to
drain excess money out of the banking system.

10. • What is a Repo Rate?
• The rate at which the RBI lends money to commercial banks is
called repo rate. It is an instrument of monetary policy.
Whenever banks have any shortage of funds they can borrow
from the RBI.
• A reduction in the repo rate helps banks get money at a cheaper
rate and vice versa. The repo rate in India is similar to the discount
rate in the US
 CRR : 4.75%
 Reverse Repo Rate : 7 %
 Repo Rate :8%
 SLR : 24%
 Bank Rate :9%

11. Interest Rate
• Interest Rate
• Wef : 6th Feb 2013RPLR: 16.40%
Loan Slabs Applicable Variable RPLR
rates % ( Monthly minusSpread
Rest Basis )Basis :
Upto and including Rs 10.15%RPLR - 6.25
30 lacs
Over Rs. 30 lacs 10.40%RPLR - 6.00

12. THANK YOU