Company Information

For more than three decades, DHFL has been procuring simple access to affordable Housing Finance to realize home-ownership goals of millions of Lower and Middle-income families in semi-urban and rural India. DHFL was established in 1984 with this goal, by a visionary leader Late Shri Rajesh Kumar Wadhawan. He observed that most Indians were unable to buy their dream home and committed himself to transforming the lives of Indian households by enabling access to home ownership through the inception of DHFL.

Products of DHFL

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1. Build your Credit Score

2. Reduce your Current Borrowing / EMI Costs

Home Loans

Non-Home Loans

SME Loans

Deposits

New Home Loans

Loan Against Property

           

Business Loan

           

   

        

Fixed Deposit for Individuals

           

    

Plot loans

Loan Against Residential Property

Plant & Machinery Loan

        

Fixed Deposit for Trusts & Institutions

    

Home Construction Loans

Loan Against Commercial Property

Property Term Loan

Corporate Deposits

Home Loan Balance Transfer

Commercial Property Purchase Loan

Medical Equipment Loan

Recurring Deposit

Home Extension Loans

Lease Rental Discounting

           

 

Wealth2Health Fixed Deposits for Individuals

    

Home Renovation Loans

   

Plot and Construction Loans

   

Pradhan Mantri Awas Yojana

   

NRI Home Loans

   

Should You Buy DHFL Shares?

The company has roughly 100 billion rupees due for repayment before March 2019. At this point the company is well capitalized and it has a CRAR of 15.5%. A part of the securitized book stands for about 15-17% of the AUM which could easily fund growth for the company. The company also doesn't have any liquidity constraints until March 2019 and the management also doesn't expect any rise in the cost of borrowings for the company. However, any increase in the cost of borrowings will be passed on to the customers since all the loans taken are floating interest rates.

Healthy growth in the loan book, recovering the cost of funds on account of change in the borrowing mix of the company, improving the cost efficiency and stable asset quality paints a positive picture for DHFL. Hence, if you're someone who is looking for stable returns and investing in a growth-oriented company, you must buy the DHFL Ltd. However, you must take into account the risks involved in buying the DHFL shares: