| Affordable Housing Finance | Long term home loans for EWS/LIG/MIG individuals for purchase, construction, renovation, and extension of residential properties. | Deep understanding of underserved markets, regulatory registration as HFC, strong funding relationships, and scalable cloud-based loan management system. | Primarily individual retail borrowers in semi-urban and rural areas, focused on low and middle income groups (B2C). | Retail home loans with optimized underwriting and strong credit monitoring show higher margins than project or wholesale loans. | 92 | 100 | Interest income from loan repayments, processing fees, and loan servicing charges. | Loan pricing based on interest rates typically between 16% to 22%, with defined tenure tiers up to 240 months. | Increasing affordable housing demand, government support, expanding branch footprint, and digital loan processing accelerating disbursements. | Star HFL Home Loans |
