HOMELOANS

WHO WE
ARE…
 Not just a name......
● Not just another company
● Not just another group of people
● Not an exploiting machine
● Not a splash in a pan
● Not a one time wonder
● And most importantly not a name that needs
any explanation or undue marketing gimmicks
 • Incorporated in 1977 as the first specialised mortgage
company in India

• Now a Financial Conglomerate with interests beyond

mortgages:

HDFC

60% 23.26% 74% 100% 80.5%

72.26%
HDFC HDFC Bank HDFC ERGO HDFC HDFC
HDFC
Asset (inclusive of General Property Venture
Standard Life
Management warrants) Insurance Ventures Capital

• 75% shares held by Foreign Investors

Our Group Companies
HDFC LTD - OCTOBER 17, 1977
HDFC BANK LTD - FEBRUARY 18, 1995
HDFC REALTY LTD - MARCH 2000
HDFC AMC LTD - AUGUST 2000
HDFC STANDARD LIFE INSURANCE CO. LTD -
OCTOBER , 2000
HDFC SECURITIES - NOVEMBER 2000
INTELENET - SEPTEMBER 2000 CIBIL HDFC
CHUBB GENERAL INSURANCE LTD - 2003
 CONTINUING GROWTH MOMENTUM
LOAN APPROVALS & DISBURSEMENTS
(H1-FY09)

241.8
250
189.48 177.88
200
147.29 142.75
Rs. in billion

150 112.80

100

50

0
H1-FY07 H1-FY08 H1-FY09
LOANS APPROVED LOANS DISBURSED
HDFC is seen from differnent
angles by.....

CUSTOMERS EMPLOYEES
•
As for the customers they consider
HDFC to be :-

● A Trusted Organization
● Which is Transparent in its operations
● Quality services in terms of time,knowledge.
● The only organization which thinks that we
should have our own Homes, being a sole loan
product company
● Organisation that provides for getting your work
done by making few key punches from comfort
of your home,i.e., using INTERNET
Types of Products offered :-
* Home Loan for
Construction and Purchase
* Home Improvement Loan
* Home Extension Loan
* Top up Loan (Only for Existing
customer)

* Land Loan
* NRP Loans for
professionals
* Equity Loan
 VALUE ADDED SERVICES
OFFERED BY HDFC :-
• Doorstep Services
• No Prepayment Charges
• No charges for IT certificates & loan
outstanding statement.
• In house Legal and Technical Team
• Funding over 240 cities across the country
• Subsequent loans on same property
• 100% Housing finance company
• Individual access of Loan A/C through
Internet
(continued.)
(continued)
• Sound Infrastructure for Safe Custody of
Property Documents
• Tranching - Commencement of EMI from day
one (resulting in savings of PRE-EMI interest)
• Assistance in locating property.
• Modes of payment(Post Dated cheques/salary
deduction/ ECS )
• File transfer to other office free of cost.
• Flexibility regarding place of
application/service with regards to property
location.
Following in the footsteps of HDFC
culture....
● We have to look
beyond the
BEAUTIFUL
HORIZON that we
are currently seeing
● By doing
introspection we can
become a RAINBOW
in the sky of Financial
Institutions that are in
troubled water's for
the time being
Key Associates and Subsidiaries
 HDFC BANK
• 23.26% owned by HDFC (inclusive of warrants)
•
HDFC
Market Cap US $ 11 billion
BANK
• ADRs listed on NYSE
• In February 2008, HDFC Bank board approved the merger with
Centurion Bank of Punjab {CBOP} (1 share of HDFC Bank for 29
shares of CBOP)
• 1,412 branches, 528 cities, 2,890 ATMs
• Over 12 million customer accounts
• Key business areas
– Wholesale banking Retail banking Treasury operations
• Financials (as per Indian GAAP) for the half year ended Sept 30,
2008
– Total net revenues: Rs 48.26 bn, increase of 51% over previous
year
– PAT: Rs 9.92 bn, increase of 44% over the previous year
HDFC Standard Life Insurance Company Ltd. (HDFC-SL)

Structure
Strong and stable partnership

Tie up with Standard Life Assurance Company, U.K.

HDFC holds 72.26% of the equity of HDFC-SL
Products
Diversified product portfolio covering all life stages and needs

Offers 20 individual products and 5 group plans along with 5 optional riders
Offers 8 fund options with market linked products
Premium income and growth
Values driven growth

Total premium income of Rs. 48.59 bn for FY 07-08 (Previous year Rs 28.56 bn);
reflecting a growth of 70%
Q1 08-09 growth in total premium of 34% over Q1 07-08
Funds under management of group new business increased by 8% in as at June
30, 2008 as against the previous year
HDFC Standard Life Insurance Company Ltd. (HDFC-SL)

Coverage
Committed to increasing coverage in an under-insured market
Achieved a total sum assured of Rs. 33.12 bn in respect of 0.25 million lives
covered in Q1 09 taking the cumulative sum assured to Rs. 907.5 bn covering over
3.66 million lives
Claims other than withdrawals/surrenders amounted to Rs 0.09 bn in Q1 09
Distribution

Diversified distribution network to cater to customer preference

HDFC network is used to cross sell by offering customized products
Operates out of 575 offices across the country serving over450 locations
Network of over 1,62,000 financial consultants, 379 corporate agents and other
sales intermediaries
Market share
Market share of 7.3% (private sector) and 4.7% (overall) in terms of Effective
Premium in Q1 09
HDFC Standard Life Insurance Company Ltd. (HDFC-SL)

Key performance indicators and business practices

A diversified distribution mix including the tied agency and alternate channels
- banks, brokers, telemarketing, direct sales force
Tied agency contributed 64% effective premium in Q1 09
Strong bancassurance tie-ups with public, private, co-operative and
foreign banks
Amongst the leading players in the pensions segment
Leveraging technology to strengthen processes
Workflow system awarded the best technology innovation
Web based facility to service customers and channel partners
 HDFC ASSET MANAGEMENT

• Tie-up with Standard Life Investments (SLI)

• HDFC holds 60% of HDFC Asset Management

• HDFC MF offers 34 equity and debt oriented products

• Earned a Profit After Tax of Rs 1.18 billion for FY08; Return on Equity: 75%

• Paid a dividend of 150% for FY08 to equity shareholders

• Total assets under management (AUM) as at September 30, 2008, stood at

Rs. 647 bn which is inclusive of portfolio management and advisory

services of Rs. 170 bn

• Equity assets as a proportion of the mutual fund’s AUM is 35%

 HDFC PROPERTY FUND

• Launched in March 2005

• First Scheme: HDFC India Real Estate Fund
– Fund corpus : US $ 250 million – fully invested
– Domestic, 7 year close ended fund
– Funds managed by HDFC Venture Capital Limited

• HDFC International Fund

– Fund Corpus: US$ 800 million
– International, 9 year close ended fund
– Targeted at premier institutions and funds across the world
interested in taking an exposure in Indian real estate
 HDFC ERGO GENERAL INSURANCE COMPANY LTD.

• HDFC holds 74% and ERGO (Germany) holds 26%

• The company offers Auto Insurance, Home Insurance, Group Accident
Insurance, Group Travel Insurance, Commercial Insurance which
includes Fire and Marine and Specialty Insurance Products like
Directors & Officers Liability
• Achieved Gross Written Premium of Rs. 2.4 bn
• Operates out of 28 locations across the country
• HDFC network is used to cross sell Home Insurance & Accident
Insurance
• HDFC and HDFC Bank database is used to cross sell Accident
Insurance
 CONSOLIDATED EARNINGS
(As at March 31, 2008)

HDFC Consolidated
Return on Equity 27.8% 28.2%
Return on Average Assets 2.7% 2.7%
Earnings per share (Rs) 85 95
Profit After Tax (Rs in billion) 24.36 27.13
Total Assets (Rs in billion) 810.99 925.83
 AWARDS & ACCOLADES
• HDFC ranked among the top 3 Best Managed Companies in India by Finance Asia in 2007
• Selected as the best Indian company in the FIs / NBFCs / Financial Services sector at the
Dun & Bradstreet – American Express Corporate Awards 2006 and 2007
• Best Investment Management Company in India by EUROMONEY 2007
• HDFC is featured in the Limca Book of Records 2006, for the landmark achievement of
Rs. One trillion in home loan approvals
• HDFC was awarded the Gold Shield in the Finance Sector by ICAI for excellence in
Financial Reporting in 2005. This is the 14th time HDFC has been selected for this award.
• HDFC has been awarded the 'Business Superbrand' status.
• HDFC has been awarded the 'Best Home Financier' title by Outlook Money – 2005
• Economic Times Corporate Citizen of the Year Award - November 2004
Thank You