International Research Journal of Education and Technology

The growth in the hosing and housing finance activities in India reflects the buoyant state of  housing market state in India. The real state sector is the second largest sector in the  employment generation in India. The Housing finance sector in India has no doubt, experienced  unprecedented change in its structure from its formulation stage. Indian Housing finance has  far moved from the stages of being a solely government provided service during the 1970’s to  a very competitive sector with more than 45 housing finance entities providing housing loans  worth Rs 781,000 million to home buyers across India.: Housing finance companies (HFCs) are likely to witness a growth of 8-10 per cent in fiscal 2022 helped by rise in economic and higher demand, says a report. In the first quarter of the current fiscal, HFCs registered nil sequential growth in the on-book  portfolio as the second wave of COVID-19 impacted their disbursements and collection  efficiency (CE), rating agency Icra Ratings said in a report released on Monday. However, the collection efficiency started bouncing back by the end of June 2021 and improved  further in the second quarter of the financial year 2022.

Key words: Housing finance, fundamental analysis, technical analysis