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Urban Housing Finance


The shortage of housing in urban areas has been grabbing the attention of the Government and the policy makers for a long time now. To diminish the housing shortage in urban areas, particularly among the lower and middle-income segments, a multi-branched approach, involving credit availability on feasible terms and affordable rates has been implemented time and again.


Availability and flow of institutional credit in urban areas is a critical prerequisite for extenuating the shortage of housing amongst a major segment of population. This has, thus, been identified as one of most important problem areas in addressing the issue. After the announcement of the Urban Housing Fund in the Union Budget 2013-14, the Hon'ble Finance Minister proposed to allocate Rs. 2,000 crore to the National Housing Bank (NHB) for initiating this plan.


This urban housing fund would be used to refinance banks and housing finance companies in respect of their loans extended to pledgers in urban areas. This way, the National Housing Bank has devised a new refinance scheme for channelizing funds into the urban housing sector. The scheme intends to boost credit availability and meet the housing finance needs of the people in lower and middle- income segments residing in urban areas.


We at TATA Capital believe in providing housing for all sections of society. We have ensured that most of our customers can avail of this option and make the most out of it.


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Important Information

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