About Us

About Us

HDFC is a leading provider of Housing Finance in India. With our customised solutions we have fulfilled over 4.8 million dreams over the last three and a half decades. Here is why HDFC is a household name that Indians proudly reckon with.

 

OUR EXPERIENCE

36 years experience
  • Pioneered Housing Finance in 1977.
  • 4.8 million Home Loan Customers and 1.7 million Depositors.
  • Gross loans of Rs.2.2 trillion.
  • Largest mobiliser of public deposits outside the banking system.
  • A model private Housing Finance Company for developing countries with nascent Housing Finance markets.
  • Undertaken several consultancy assignments in various countries across Asia, Africa and East Europe to set up their Housing Finance Companies.

OUR CORE VALUES

Pillars of our brands
  • Trust
  • Integrity
  • Transparency
  • Professional Service

OUR OBJECTIVES

Enablers Home Ownership
  • Primary Objective: To enhance the residential housing stock in the country through the provision of Housing Finance in a systematic and professional manner, and to promote home ownership.
  • Aim: Increase the flow of resources to the housing sector by integrating the Housing Finance sector with the overall domestic financial markets.

OUR GROWTH STRATEGIES

Grow consistently
  • Increase the Return On Equity each year by 1 percentage point in order to maximise shareholder value.
  • Maintain Gross Non-Performing Assets (NPAs) below 1%.
  • Consistently grow the loan book.
  • Maintain low Cost to Income Ratio by improving operational efficiency.

OUR LEADERSHIP AND PEOPLE

Empowerment
  • Stable and experienced senior management team with an average tenor of over 30 years.
  • Over 1,956 trained and experienced workforce.

OUR PRESENCE

Well connected
  • Extensive distribution network of 360 interconnected offices (including 91 offices of HDFC Sales) with outreach programs to several locations, reaching out to over 2,400 towns and cities all over India.
  • 3 representative offices in Dubai, London and Singapore offering Home Loan products to Non-Resident Indians and Persons of Indian Origin.
  • Enhanced distribution through HDFC Sales, HDFC Bank and third party Direct Selling Associates.

OUR FINANCIAL NETWORK

Financial conglomerate
  • Diversified Financial Services - Banking, Insurance (Life and General), Asset Management, Realty, Real Estate Venture Capital, Education Loans among others.
  • HDFC and its Group Companies consistently maintain leadership positions in their respective sectors.
  • The HDFC Group has a strong asset base of over Rs.2.97 trillion and a customer base of over 42.5 million.