Page 239 - NHB AR 2020-21-3 complete- Print (1)
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3.2.1.1 Cumulative Disbursements
Till June 30, 2021, the NHB made cumulative refinance disbursement of `3,02,192 crore to
various categories of PLIs, in respect of their individual housing loans. Percentage-wise
break-up is shown in graph below. Institution category-wise cumulative refinance as on June
30, 2021 is given in Annexure VI.
3.2.2 Outstanding
The outstanding refinance of NHB as on June 30, 2021, was `85,545 crore as compared to
`83,541 crore as on June 30, 2020, registering an increase of 2.40 per cent. Further, the share
of HFCs in the total outstanding refinance stood at `72,107 crore (around 84.29 per cent). The
trend in outstanding refinance to various categories of PLIs in the last five years is given in
Annexure VII and is represented in the graph below.
Graph 3.4: Refinance Outstanding - Institution Category-wise
(in ` Crore)
Gross NPA in refinance as on June 30, 2021, amounted to `2,499 crore remains at the same
level of last year, which were on account of exposure to one Housing Finance Company and
one Urban Cooperative Bank. The fresh slippages from Refinance for the current year is Nil.
3.2.3 Affordable Housing Fund
Pursuant to the announcement in the Union Budget 2018-19, the Affordable Housing Fund
(AHF) was set up in National Housing Bank with a corpus of `10,000 crore to provide refinance
assistance to PLIs in respect of their individual housing loans to target segments in rural and
urban areas. A corpus of `10,000 crore has also been allocated for the FY 2020-21 under the
AHF scheme. To ensure that the intended benefit of lower interest rates reaches the ultimate
Annual Report 2020-21 | 219
Till June 30, 2021, the NHB made cumulative refinance disbursement of `3,02,192 crore to
various categories of PLIs, in respect of their individual housing loans. Percentage-wise
break-up is shown in graph below. Institution category-wise cumulative refinance as on June
30, 2021 is given in Annexure VI.
3.2.2 Outstanding
The outstanding refinance of NHB as on June 30, 2021, was `85,545 crore as compared to
`83,541 crore as on June 30, 2020, registering an increase of 2.40 per cent. Further, the share
of HFCs in the total outstanding refinance stood at `72,107 crore (around 84.29 per cent). The
trend in outstanding refinance to various categories of PLIs in the last five years is given in
Annexure VII and is represented in the graph below.
Graph 3.4: Refinance Outstanding - Institution Category-wise
(in ` Crore)
Gross NPA in refinance as on June 30, 2021, amounted to `2,499 crore remains at the same
level of last year, which were on account of exposure to one Housing Finance Company and
one Urban Cooperative Bank. The fresh slippages from Refinance for the current year is Nil.
3.2.3 Affordable Housing Fund
Pursuant to the announcement in the Union Budget 2018-19, the Affordable Housing Fund
(AHF) was set up in National Housing Bank with a corpus of `10,000 crore to provide refinance
assistance to PLIs in respect of their individual housing loans to target segments in rural and
urban areas. A corpus of `10,000 crore has also been allocated for the FY 2020-21 under the
AHF scheme. To ensure that the intended benefit of lower interest rates reaches the ultimate
Annual Report 2020-21 | 219
