dreams

TAKING AFFORDABILITY
TO THE MASSES

Of all challenges our burgeoning population has, Affordable Housing
has been a major concern. In the last few years, the Government
has been trying to surmount this challenge with a host of incentives.
This in turn has propelled growth especially amongst
the first time home-buyers.

As an organisation, we have worked relentlessly for this cause and
are proud to be one of the leading contributors in helping people
in this category to own a home.

A lot remains to be done, with large sections still awaiting
to avail these possibilities. We are consistently working towards
ensuring the number of home-owners keeps on increasing rapidly
in the years to come.

Financial highlights 2019-20

Gross Income (` in Crore)
58,763
  • FY 2018-19

    43,378

  • FY 2017-18

    40,707

Profit After Tax (` in Crore)
17,7703
  • FY 2018-19

    9,633

  • FY 2017-18

    10,9591

Shareholders’ Funds (` in Crore)
86,158
  • FY 2018-19

    77,355

  • FY 2017-18

    65,265

Loans from Banks and
Financial Institutions (` in Crore)
1,04,909
  • FY 2018-19

    77,548

  • FY 2017-18

    46,802

Market Borrowings (` in Crore)
1,81,869
  • FY 2018-19

    1,83,067

  • FY 2017-18

    1,81,645

Deposits (` in Crore)
1,32,324
  • FY 2018-19

    1,05,599

  • FY 2017-18

    91,269


performance

STEADY IS WHAT MATTERS

Our resolve, since inception, to provide fellow-Indians
the opportunity to become home-owners, has been
propelling us forward.

To achieve this, we have invested the last four decades
in understanding markets, developing strategies,
anticipating needs and responding with products and processes
which help varied socio-economic segments of the population
to live their dream of buying homes as easily as possible.

At HDFC, the trust we have earned over the years has enabled us
to be the perfect meeting ground for homes and potential
audiences. With increasing budgets being allocated to
the Pradhan Mantri Awas Yojana-Gramin and Pradhan Mantri
Awas Yojana-Urban, we see a greater role for our organisation
in the housing sector in the coming years.

Read More

Our resolve, since inception, to provide fellow-Indians
the opportunity to become home-owners, has been
propelling us forward.

To achieve this, we have invested the last four decades
in understanding markets, developing strategies,
anticipating needs and responding with products and processes
which help varied socio-economic segments of the population
to live their dream of buying homes as easily as possible.

At HDFC, the trust we have earned over the years has enabled us
to be the perfect meeting ground for homes and potential
audiences. With increasing budgets being allocated to
the Pradhan Mantri Awas Yojana-Gramin and Pradhan Mantri
Awas Yojana-Urban, we see a greater role for our organisation
in the housing sector in the coming years.


technology

TAKE FIRM STEPS TOWARDS TOMORROW
AND OPPORTUNITY MEETS YOU HALF-WAY

We never take our leading position in the market for granted.
We have worked to be future-ready with attractive product features,
tech-led decision protocols, and seamless integration of systems and
processes to offer improved e-solutions.

Going beyond trends and concentrating on building our growth story
with the essence of our founding values has been paramount
as we move with the times. Our teams are constantly at work to harness
digital innovations in the mobile, internet and social media space.

We have continually explored new geographies and reached out
to newer audiences, while adding innovative ways of meeting
the customers. Our aim is to empower our consumers to access
our services from the comfort of their homes.

Read More

We never take our leading position in the market for granted.
We have worked to be future-ready with attractive product features,
tech-led decision protocols, and seamless integration of systems and processes to offer improved e-solutions.

Going beyond trends and concentrating on building our growth story
with the essence of our founding values has been paramount
as we move with the times. Our teams are constantly at work to harness digital innovations in the mobile, internet and social media space.

We have continually explored new geographies and reached out
to newer audiences, while adding innovative ways of meeting
the customers. Our aim is to empower our consumers to access
our services from the comfort of their homes.


growth

INCLUSIVENESS IS THE
'INVITATION OF A GOOD LIFE' TO ALL

With increasing population in urban areas due to
better employment opportunities, the demand for a better lifestyle
has also grown, which has put pressure on the cities.

Meeting the demands for other aspects of a good quality life:
A higher level of education, sanitation, health care and
various modern facilities has attracted many who are
looking forward to the urban life – and as a consequence,
fuelling further demand for housing.

Our tailored products and services at attractive pricing and
the e-convenience of using our services, helps our customers
in making home-buying decisions faster.

We are grateful to have earned the support of more than
7.7 million customers who have gained from our conscientious efforts.

Read More

With increasing population in urban areas due to
better employment opportunities, the demand for a better lifestyle
has also grown, which has put pressure on the cities.

Meeting the demands for other aspects of a good quality life:
A higher level of education, sanitation, health care and
various modern facilities has attracted many who are
looking forward to the urban life – and as a consequence,
fuelling further demand for housing.

Our tailored products and services at attractive pricing and
the e-convenience of using our services, helps our customers
in making home-buying decisions faster.

We are grateful to have earned the support of more than
7.7 million customers who have gained from our conscientious efforts.


trust

CHANGING WITH THE TIMES NEEDN'T MEAN
LETTING GO OF WHAT'S GOOD

Exercising prudence has been a way of life at HDFC.
We have developed and built upon a strong core, a business
philosophy which includes sound principles, deep thinking,
and continued development of processes, products and services.

Our ethics and strong fundamentals guide our judgment and
aid practical decision-making, both in the present, and in the future.
The values we have chosen to live by, have held us in good stead
and made us the choice of customers year after year.

We have been taking initiatives for enhancing regulations,
collaborating with developers, training the sales force and
other channel partners, thus developing a robust and healthy
ecosystem. We have also ensured, while checks and balances
are in place, we serve the entire cross-section of customers from
the economically weaker segments to high net-worth individuals.

We continue to forge ahead with grit and determination to make
‘Housing For All by 2022’ a reality.

Read More

Exercising prudence has been a way of life at HDFC.
We have developed and built upon a strong core, a business
philosophy which includes sound principles, deep thinking,
and continued development of processes, products and services.

Our ethics and strong fundamentals guide our judgment and
aid practical decision-making, both in the present, and in the future. The values we have chosen to live by, have held us in good stead and made us the choice of customers year after year.

We have been taking initiatives for enhancing regulations,
collaborating with developers, training the sales force and
other channel partners, thus developing a robust and healthy
ecosystem. We have also ensured, while checks and balances
are in place, we serve the entire cross-section of customers from
the economically weaker segments to high net-worth individuals.

We continue to forge ahead with grit and determination to make
‘Housing For All by 2022’ a reality.

Chairman’s Letter

To Our Shareholders

The lockdown has reinforced the value of the essentials of life – food, clothing, shelter and now, the internet. There can be no better security in life than a home. More than ever before, people will want their own homes. People will go to any length to hold on to their homes. HDFC is in the right business and we have done business the right way.

Read More

Numerous thoughts have been stirring through my mind as I write to you today. It is now just over 80 days since the national lockdown was first announced in India on March 24, 2020. While restrictions on the lockdown have gradually lifted, the sense of unease has not abated. The world's focus shifted so suddenly to a future that is unpredictable, unknown and consuming in its entirety.

Never before has the global economy simultaneously seen demand and supply evaporate overnight. Millions have been rendered jobless for no fault of their own. World over, the pandemic has revealed the fragility of health systems and the lack of social safety nets. The key question is how are countries going to unwind from the ‘HHEF crisis’, which is a health, humanitarian, economic and financial crisis that has morphed into each other?

Chairman

awards & Accolades

Felicitated for the 2nd consecutive year as the Leader in Corporate Governance at the 4th Annual Announcement of 'IFC-IiAS-BSE Governance Scores' an initiative of the BSE Limited and International Finance Corporation (IFC).

Awarded as 'Leading Housing Finance Company' at the Dun & Bradstreet BFSI Awards 2020. This was their 4th year of awards for this category and HDFC has received it on all four occasions.

Ranked 4th in the 'Consumer Financial Services' category in the list of 'World's Best Regarded Companies 2019' by Forbes. (Source: PTI)

Awarded as 'Prestigious Brand of India 2020' by Herald Global and BARC Asia.

Management
Discussion &
Analysis
report

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Download
Report

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Financial
Statements

The financial year ended March 31, 2020 will be marked as an unprecedented year with the novel coronavirus (COVID-19) being declared by the World Health Organisation as a pandemic on March 11, 2020.

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