TOPIC: ANALYSIS OF HOUSING LOAN DEMAND IN INDIA INDUSTRY: BANKING DOMAIN: FINANCE/OPERATIONS TEAM MEMBERS : NEERAJ KRISHNAMOORTHY P122029,

YESHWANTH BABU PY P12205, ASWIN RADHAKRISHNAN P122007 MENTOR: BAPPADITYA MUKHOPADHYAY

SYNOPSIS This empirical study aims at identifying the underlying factors, in addition to interest rates, that are responsible for increase or decrease in demand for housing loan. We would be looking into the possible strategies, a bank could adopt to increase the number of housing loans given, without increasing the risk of default payments. Our analysis would be based on the housing loan statistics and customer statistics we acquire from various banks. We would then be analyzing how the interest rates for housing loans have affected the banks earnings in the past. The next step is to arrive at a model which could estimate the demand for housing loan on the basis of Interest rate spread, risk of defaults and other bank controllable factors. We would then be looking at the possible strategies a bank could adopt to prevent the number of housing loan switches. We would be analyzing, why the amount sanctioned for housing loans (as a percentage of GDP) is very much less than the amount sanctioned for housing loans in USA. For data collection HDFC - annual report region wise disbursement LIC housing finance annual report