1. Data on Slab-wise Housing Loans of PSBs and HFCs - Importance and Uses

2.  Helps in analyzing the trend of institutional credit in Housing Sector.  Indicates flow of the institutional credit to various Slab-wise borrower segments.  Helps in analyzing movement of NPA, in slab- wise Housing loans.  Analysis of the data helps in recommending the required Policy Interventions by the GoI or RBI.  Helps in forecasting the requirement of funds under various Interest Subvention Schemes.

3.  National Housing Bank (NHB) is collecting the slab-wise housing loan data from Public Sector Banks (PSBs) and Housing Finance Companies (HFCs) on quarterly and yearly basis.  The data is collected in five different slabs namely: housing loans upto 2 lakh, Above 2 lakh and upto 5 lakh, Above 5 lakh and upto 10 lakh, Above 10 lakh and upto 25 lakh and above 25 lakh.  The slab wise data so collected captures following attributes: Total housing loans disbursed during the quarter. Total Housing loans outstanding as on last day of the quarter. % of NPA in respect of the slab-wise loans.

4.  The format for submitting the Data has been designed and forwarded to all the Banks.  NHB has requested all Public Sector Banks (PSBs) to appoint Nodal Officers as one-point contact for submission of the data.  15 PSBs out of 26 PSBs have appointed the Nodal Officers.  The data so collected is shared with Ministry of Finance regularly on monthly basis.

8.  Collection of such data will help in building a strong and broad based data for the Industry.  Such database will help in undertaking various sector-related studies which can be shared with industry players.  Sharing of data/study findings, will facilitate Banks & HFCs in designing their future Business Strategies/Targets.  Data pertaining to NPA across the various slabs may help Banks & HFCs in further improving their recovery mechanism and NPA Management System.  Availability of Data will serve as a vital input for the Government, RBI and NHB for appropriate policy and regulatory interventions.