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India Equity Research Reports, IPO and Stock News
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A differentiated lender
Most of its loans given to cities with population less than 50,000.
Loan to value ratio at 68%.
GRUH Housing Finance is the only Housing Finance Company (HFC) whose pricing of the loan is linked to credit
scoring. There are 21 parameters on which a borrower is assessed, resulting in loan yields being on the higher side.
Prepayment ratio has come down to 10%.
Asset quality has been very strong. Coverage ratio stood at 118%.
Expansion is inclusive, including states other than Maharashtra and Gujarat which were its focus region.
India Equity Research Reports, IPO and Stock News
Visit http://indiaer.blogspot.com/ for complete details �� ��
A differentiated lender
Most of its loans given to cities with population less than 50,000.
Loan to value ratio at 68%.
GRUH Housing Finance is the only Housing Finance Company (HFC) whose pricing of the loan is linked to credit
scoring. There are 21 parameters on which a borrower is assessed, resulting in loan yields being on the higher side.
Prepayment ratio has come down to 10%.
Asset quality has been very strong. Coverage ratio stood at 118%.
Expansion is inclusive, including states other than Maharashtra and Gujarat which were its focus region.
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