As of March 2024, Housing and Urban Development Corporation Ltd. (HUDCO) was the leading housing finance company in India with a market capitalization (at BSE) of *** bllion Indian rupees. LIC Housing Finance and IDFC followed with a market capitalization of around *** billion and *** billion Indian rupees respectively.

Discover the booming Indian home loan market! This in-depth analysis reveals key trends, growth drivers, and regional insights for 2025-2033, highlighting top players like HDFC and LIC Housing Finance. Explore market size, CAGR, segmentation, and future projections for lucrative investment opportunities. Recent developments include: June 2023: In a major development, HDFC (Housing Development Finance Corporation) and HDFC Bank came into a merger on July 1, paving the way for the country's largest corporate merger. Following this, HDFC shares were delisted on July 13 and amalgamated into HDFC Bank., May 2023: LIC Housing Finance (LIC HF) is expected to expand its branches in new geographies, increase focus on high-yielding loan against property (LAP), and intensify recovery efforts as it consolidates its position as the largest housing finance company after the merger of larger rival Housing Development Finance Corp with its banking arm.. Key drivers for this market are: Growing Urbanization, Low-Interest Rates. Potential restraints include: Growing Urbanization, Low-Interest Rates. Notable trends are: Lower Interest Rates is Expected to Drive the Market.

The India Home Loan Market Report is Segmented by Loan Type (Fixed-Rate Home Loans, Floating-Rate Home Loans), Provider Type (Public Sector Banks, Private Sector Banks, Housing Finance Companies, Non-Banking Financial Companies), Customer Type (Salaried, Self-Employed), Interest-Subsidy Scheme Participation (PMAY-CLSS Beneficiaries, Non-Subsidized Loans). The Market Forecasts are Provided in Terms of Value (USD)

The India Home Mortgage Finance Market Report is Segmented by Loan Purpose (Purchase, Home Improvement/Renovation, Loan Against Property, Others), Provider (Banks, Housing Finance Companies, Others), Interest Rates (Fixed, Floating), and Loan Tenure (≤10 Years, 11-20 Years, More Than 20 Years). The Market Forecasts are Provided in Terms of Value (USD).

In financial year 2024, banks in India advanced over *** trillion Indian rupees in housing loans. This was an increase compared to the previous year. This reflected renewed homebuyer sentiment, as an increasing number of Indians were investing in buying residential property. Growth of home loans market Forty years ago, home loans were an alien concept. People would direct their provident fund savings and retirement benefits toward buying a home. However, three key institutions: HDFC, ICICI Ltd, and the State bank of India with their new lending concepts led to significant changes in the home loan market. Currently different commercial banks, NBFCs, and housing finance companies have flooded the mortgage market, and giving prospective home buyers from diverse strata of society with bargaining power and a chance at affording a home. Inflation and home loans   India is not untouched by global inflation. To address the problem, the Reserve Bank of India hiked the repo rate **** times since April 2022 to *** percent. Consequently, leading banks and housing finance companies raised their lending rates. For a prospective homebuyer, this meant a rise in tenure for home loans. In other words, equivalent monthly payments (EMIs)for homebuyers have lengthened and become more expensive. In financial year 2022, banks in India advanced around *** trillion Indian rupees in housing loans almost reaching pre-COVID levels.

Affordable Housing Finance Market Outlook

According to our latest research, the global affordable housing finance market size reached USD 65.4 billion in 2024, with a robust trajectory fueled by the increasing demand for accessible homeownership solutions worldwide. The market is expected to expand at a CAGR of 8.2% from 2025 to 2033, resulting in a projected valuation of USD 126.7 billion by 2033. This impressive growth is primarily driven by rising urbanization, supportive government policies, and the persistent gap between housing demand and supply, particularly in emerging economies. As per our latest research, the sector’s resilience and adaptability are underpinned by evolving financial products, digital transformation, and a strong focus on social inclusion, making affordable housing finance a cornerstone for sustainable urban development.

One of the primary growth factors in the affordable housing finance market is the increasing urban migration and the resultant pressure on urban housing infrastructure. Rapid urbanization, especially in developing economies such as India, China, Brazil, and several African nations, has led to a surge in demand for affordable housing solutions. Governments and private sector players are responding with innovative financing models that lower entry barriers for low- and middle-income families. Initiatives such as subsidized interest rates, public-private partnerships, and targeted lending programs have significantly expanded the reach of affordable housing finance, enabling millions to access formal housing markets. Furthermore, the rise of digital lending platforms has streamlined loan application and approval processes, making affordable housing finance more accessible and efficient for underserved populations.

Another significant driver for the affordable housing finance market is the emergence of specialized housing finance companies and microfinance institutions. These providers have tailored their offerings to the unique needs of low-income borrowers, who often lack traditional credit histories or collateral. By leveraging alternative credit assessment tools and community-based lending models, these institutions have been able to extend credit to previously excluded segments. Additionally, the proliferation of fintech solutions has enabled more accurate risk assessment and faster disbursement of loans, further accelerating market growth. As competition intensifies, financial institutions are innovating with flexible repayment options, longer loan tenures, and bundled financial products to attract and retain customers, thereby fueling the expansion of the affordable housing finance ecosystem.

Supportive government policies and regulatory frameworks have also played a pivotal role in shaping the affordable housing finance market. Many countries have introduced tax incentives, interest rate subsidies, and risk-sharing mechanisms to encourage lending to low-income homebuyers. For instance, the Pradhan Mantri Awas Yojana (PMAY) in India and the Low-Income Housing Tax Credit (LIHTC) program in the United States have been instrumental in driving affordable housing development and financing. International development agencies and multilateral institutions are also providing technical and financial assistance to strengthen housing finance infrastructure in emerging markets. These policy interventions, coupled with a growing recognition of housing as a fundamental human right, continue to create a favorable environment for the expansion of affordable housing finance globally.

From a regional perspective, the Asia Pacific region dominates the affordable housing finance market, accounting for the largest share in 2024 due to its vast population base and rapid urbanization. Countries like India, China, Indonesia, and Vietnam are witnessing unprecedented demand for affordable housing, prompting both public and private sector initiatives to boost housing finance availability. North America and Europe, while more mature markets, are experiencing renewed interest in affordable housing finance due to rising housing costs and increasing income inequality. Meanwhile, Latin America and the Middle East & Africa regions are emerging as high-growth markets, supported by demographic trends and targeted policy interventions. The regional outlook underscores the global nature of the affordable housing challenge and the diverse strategies being employed to address it.

Loan Type Analysis

The affordable

Capital-Expenditures Time Series for LIC HOUSING FINANCE LTD.. LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India. It operates through Loans and Other segments. The company offers public and corporate deposits; home loans to residents and non-residents, as well as to pensioners; plot loans, home improvement and construction loans, home extension, and top up loans; refinance; construction finance and term loans for builders and developers; and loans for staff quarters and other lines of credit for corporates. It also provides loans against properties for companies and individuals; loans against securities; loans under rental securitization; and loans to professionals. In addition, the company develops, establishes, and operates assisted living community centers for elderly citizens; manages, advises, and administers private equity funds, including venture capital and alternate investment funds; offers asset management and trusteeship services; and markets housing loan, life and general insurance products, mutual funds, fixed deposits, and credit cards. It serves salaried/self-employed/professionals/SME customers, retired government employees, and retail customers through home loan agents, direct sales agents, and customer relation associates. LIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.

Debt-To-Capital-Ratio Time Series for Home First Finance Company India Limited. Home First Finance Company India Limited operates as a housing finance company in India. It offers home, self-construction, renovation, mortgage, shop, and resale, as well as top-up loans. The company also offers loans through mobile application. It serves salaried professionals, self-employed individuals, and small business owners, as well as corporates. The company was incorporated in 2010 and is headquartered in Mumbai, India.

In the financial year 2024, the return on assets of gold non-banking financial companies was highest at *** percent in India. In contrast, housing finance companies had the lowest return on assets of *** percent.

The Asia-Pacific mortgage and loan broker market is experiencing robust growth, driven by increasing urbanization, rising disposable incomes, and a burgeoning middle class across the region. The market's Compound Annual Growth Rate (CAGR) of 18.40% from 2019 to 2024 indicates significant expansion, projected to continue into the forecast period (2025-2033). Key drivers include government initiatives promoting homeownership, favorable interest rates in certain periods, and the growing preference for specialized financial advice among both individuals and businesses. The market is segmented by enterprise size (large, small, mid-sized), loan type (home loans, commercial and industrial loans, vehicle loans, government loans, others), and end-user (businesses, individuals). The dominance of home loans within the applications segment highlights the significant role of residential real estate development in fueling market growth. Rapid economic growth in countries like China, India, and other Southeast Asian nations significantly contributes to market expansion. However, the market also faces challenges such as fluctuating interest rates, stringent regulatory environments in some countries, and economic uncertainties that can impact consumer confidence and borrowing. Competition in the market is intense, with both established players like LIC Housing Finance Ltd, ICICI Home Finance Company Ltd, and PNB Housing Finance Ltd, alongside emerging local and international brokers. The Asia-Pacific region exhibits considerable diversity, with market dynamics varying significantly across countries. While established financial centers like Japan, South Korea, and Singapore present mature and competitive landscapes, countries like India, Indonesia, and Vietnam demonstrate significant growth potential due to their rapidly expanding economies and increasing demand for housing and other financing options. This diverse geographical landscape provides opportunities for both local and international players to expand their reach and capitalize on regional growth pockets. The continued expansion of e-commerce and fintech solutions is also expected to contribute to further market growth in the coming years by improving the efficiency and accessibility of mortgage and loan brokerage services. Recent developments include: March 2023: All Fleet Mortgages' two- and five-year fixed-rate packages had their rates reduced. The buy-to-let lender claims a 20 basis point reduction in its standard, limited company, residences in multiple occupations, and multi-unit freehold block loans in these term ranges., February 2023: For additional lending to smaller institutions to support social sector funding, the State Bank of India raised USD 1 billion in syndicated social funds, the largest ESG loan in Asia Pacific history. This USD 1 billion fund, which includes a green shoe of USD 500 million, was raised by SBI from international banks.. Notable trends are: Growth in Demand for Personalized Financial Guidance.

In financial year 2019, market share of loans deployed by banks made up for ** percent of the home loan market in India. Whereas, the market share of the non-bank lender, Housing Finance Companies in home loans sector were about ** percent of the total market in the country.

The Asia-Pacific mortgage and loan broker market is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) of 18.40% from 2025 to 2033. This expansion is driven by several key factors. Increasing urbanization and a burgeoning middle class across the region are fueling demand for home loans, commercial properties, and vehicle financing. Favorable government policies aimed at boosting homeownership and infrastructure development in countries like India, China, and Indonesia are further contributing to market expansion. The rise of digital lending platforms and fintech solutions is streamlining the loan application process, improving accessibility, and attracting a wider customer base. Furthermore, the increasing complexity of financial products necessitates the expertise of loan brokers, leading to higher reliance on their services. Competition among established players and the emergence of new fintech brokers are shaping the market landscape, fostering innovation and efficiency. However, certain challenges persist. Economic volatility and fluctuations in interest rates can impact loan demand. Regulatory changes and compliance requirements pose hurdles for brokers, necessitating continuous adaptation. Maintaining consumer trust and combating fraudulent activities within the sector remain crucial for sustainable market growth. The market segmentation reveals a diverse landscape, with significant opportunities across various loan types (home loans, commercial loans, vehicle loans) and end-users (businesses and individuals). Specific growth drivers vary by segment; for instance, the rapid development of infrastructure in Asia-Pacific is expected to significantly benefit the commercial and industrial loan segment. The presence of established players like LIC Housing Finance Ltd and ICICI Home Finance Company Ltd, alongside newer entrants and international companies, indicates a dynamic competitive environment. The market's strong growth trajectory offers promising prospects for established brokers and innovative new entrants alike, however, success will depend on adaptability, compliance with evolving regulations, and the ability to meet the evolving needs of a diverse customer base. Recent developments include: March 2023: All Fleet Mortgages' two- and five-year fixed-rate packages had their rates reduced. The buy-to-let lender claims a 20 basis point reduction in its standard, limited company, residences in multiple occupations, and multi-unit freehold block loans in these term ranges., February 2023: For additional lending to smaller institutions to support social sector funding, the State Bank of India raised USD 1 billion in syndicated social funds, the largest ESG loan in Asia Pacific history. This USD 1 billion fund, which includes a green shoe of USD 500 million, was raised by SBI from international banks.. Notable trends are: Growth in Demand for Personalized Financial Guidance.

In the financial year 2023, public sector banks in India disbursed individual housing loans amounting to **** trillion Indian rupees. Following closely housing finance companies disbursed housing loans worth **** trillion Indian rupees. This was a growth of ** percent in comparison to the last financial year.

Net-Income-From-Continuing-Operations Time Series for LIC HOUSING FINANCE LTD.. LIC Housing Finance Limited, a housing finance company, provides loans for the purchase, construction, repair, and renovation of houses/buildings in India. It operates through Loans and Other segments. The company offers public and corporate deposits; home loans to residents and non-residents, as well as to pensioners; plot loans, home improvement and construction loans, home extension, and top up loans; refinance; construction finance and term loans for builders and developers; and loans for staff quarters and other lines of credit for corporates. It also provides loans against properties for companies and individuals; loans against securities; loans under rental securitization; and loans to professionals. In addition, the company develops, establishes, and operates assisted living community centers for elderly citizens; manages, advises, and administers private equity funds, including venture capital and alternate investment funds; offers asset management and trusteeship services; and markets housing loan, life and general insurance products, mutual funds, fixed deposits, and credit cards. It serves salaried/self-employed/professionals/SME customers, retired government employees, and retail customers through home loan agents, direct sales agents, and customer relation associates. LIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.

Pretax-Margin Time Series for Home First Finance Company India Limited. Home First Finance Company India Limited operates as a housing finance company in India. It offers home, self-construction, renovation, mortgage, shop, and resale, as well as top-up loans. The company also offers loans through mobile application. It serves salaried professionals, self-employed individuals, and small business owners, as well as corporates. The company was incorporated in 2010 and is headquartered in Mumbai, India.

The Asia-Pacific Mortgage and Loan Brokers market is poised for significant expansion, projected to reach an estimated USD 15,000 Million by 2025, fueled by a robust Compound Annual Growth Rate (CAGR) of 18.40% during the forecast period. This impressive growth trajectory is primarily driven by an increasing demand for homeownership across the region, particularly in emerging economies like India and Southeast Asian nations, coupled with a growing need for commercial and industrial financing to support expanding businesses. The market benefits from evolving financial landscapes, increased digital adoption in financial services, and a rising middle class with greater disposable income and a propensity to leverage financial products. Furthermore, the introduction of more flexible loan products and competitive interest rates from financial institutions, including banks and housing finance companies, are acting as key accelerators. The convenience and expertise offered by mortgage and loan brokers in navigating complex lending processes are becoming increasingly vital for both individual consumers and businesses seeking optimal financing solutions. The market segmentation reveals a dynamic interplay between different enterprise sizes and loan applications. While large enterprises contribute significantly to the demand for commercial and industrial loans, the burgeoning individual segment, driven by home loans and vehicle financing, represents a substantial growth area. Micro, small, and medium-sized enterprises (MSMEs) are also emerging as a critical demographic, seeking tailored financial solutions to fuel their growth. The competitive landscape features established players like LIC Housing Finance Ltd and PNB Housing Finance Ltd, alongside international institutions and newer fintech-driven entities, all vying for market share. Technological advancements, such as AI-powered loan assessment tools and online application platforms, are further revolutionizing the brokerage services, enhancing efficiency and customer experience. However, stringent regulatory frameworks and potential economic downturns in specific countries could pose challenges, necessitating strategic adaptation and risk management by market participants. Here's a report description for the Asia-Pacific Mortgage/Loan Brokers Market, structured as requested: Notable trends are: Growth in Demand for Personalized Financial Guidance.

In 2023, the financial services company HDFC Credila Financial Services Limited secured a private equity and venture capital (PE/VC) investments deals worth *** billion U.S. dollars in total. Another major investment within the finance sector had been a PE/VC-deal for Indiabulls Housing Finance SPV

The India Consumer Durable Finance Market was valued at USD 1.67 Billion in 2024 and is expected to reach USD 4.73 Billion by 2030 with a CAGR of 19.05%.

Debt Collection Complaints (India)

Investigating the Consumer Experience

By Lewis Kirvan [source]

About this dataset

The Consumer Financial Protection Bureau (CFPB) Complaint Database is a treasure trove of over 675,845 complaints, demonstrating the issues that accompany consumer financial products and services. Dating back to July 2011, this data has been used to help connect consumers with the companies they need in order to rectify various debt and lending problems. By analysing this data, CFPB can pinpoint trends in the marketplace which will allow them to do a better job in enforcing federal consumer financial laws as well as provide insight for rule writing.

This comprehensive dataset contains all manner of information about each complaint - from date of submission and product it regards, through to how the company responded and whether or not the consumer disputed that response. It also contains additional details such as location (ZIP code and state) as well particular tags associated with each complaint. Above all else, though, it includes an intimate account of what happened from the perspective of the customer themselves - something which provides context and invaluable insight into their experience of dealing with these large companies.

With this wealth of data at our fingertips we have been able to uncover some truly eye-opening results about both our economy’s banking systems - giving us an understanding far deeper than ever before about how big businesses interact with their customers when it comes time for repayment or loans management.. Furthermore since these details regarding specific complaints are so detailed we can be sure that any conclusions reached are more accurate than ever before!

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How to use the dataset

Research Ideas

• Utilizing this dataset to analyze and visualize customer trends in financial services industries, such as identifying issues related to mortgages, credit cards and bank accounts; or tracking how complaints differ by geographical location or product type.
• Leveraging the data to create interactive complaint dashboards that provide insights on customer satisfaction levels with different companies. This could be expanded into a predictive model which extrapolates future customer satisfaction trends based on historical complaints data.
• Predictive analytics that utilize this data set to identify at risk customers before they submit a complaint, through classifying users based on demographics, products used and past interactions with the company's website/services

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

License: Dataset copyright by authors - You are free to: - Share - copy and redistribute the material in any medium or format for any purpose, even commercially. - Adapt - remix, transform, and build upon the material for any purpose, even commercially. - You must: - Give appropriate credit - Provide a link to the license, and indicate if changes were made. - ShareAlike - You must distribute your contributions under the same license as the original. - Keep intact - all notices that refer to this license, including copyright notices.

Columns

File: full_dataset.csv | Column name | Description | |:---------------------------------|:--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | Date received | The date the complaint was received by the CFPB. (Date) | | Product | The type of product the complaint is about. (Text) | | Sub-product | The specific sub-product the complaint is about. (Text) | | Issue | The issue the cons...

In financial year 2023, Indiabulls Housing Finance Limited from Gurugram in India reported consolidated revenues of ** billion Indian rupees. This was a decrease compared to the previous years.