Our Strategy Drivers
The Company crossed a milestone of Rs.50,000 crore Assets Under Management (AUM) in FY2022 in just about four years. Having reached this scale, the key focus of BHFL is to build scale across all its portfolios through process excellence and consistent customer experience to gain psychological heft in the market.
Diversified HL Focussed Business Mix
Individual housing loans, a low-risk segment, contribute to about 65% of the portfolio. Even within the low-risk individual housing loans segment, nearly 95% of AUM consists of loans given to salaried and self-employed professionals.
Build Low Risk Business Model
The Company focuses on low-risk segments across its portfolio. The Company is committed to build an optimal mix of housing and non-housing loan portfolio to balance risk and returns. Focus largely on salaried home loans with a calibrated risk strategy to cover full spectrum of housing loan market.
Prudent Commercial Portfolio
Focussed on maintaining a prudent, differentiated, and immaculate developer financing and commercial real estate portfolio.
Focus on Cross Sell and Distribution
Continue to deepen cross-sell framework through customer data enrichment and expanding distribution reach, both at developer counters and through intermediaries.
Seamless and Consistent Experience
Continuously investing in creating frictionless processes to provide quick, hassle free, seamless and consistent experience to its customer throughout the loan lifecycle.