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Channel Development Managers. Overview of LICHFL & SCHEMES.

Channel Development Managers. 2025 Crosses 3 lakh cr in portfolio & 5000 Cr Profit 2024 Crossed Rs. 4000 Cr in Profit 2019 Crossed cr in Assets & 2000 Cr Pr 2015 Crosses I lakh cr in portfolio 2011 Crossed 50,000 Cr loan portfolio 2007 Launch of Fixed 2013 2022 Crossed Cr in Assets 2017 Crossed 150,000 cr in assets Crossed 1000 cr profit & 75,000 Cr assets 2009 Deposit Program Crossed 500 crs profit "Sanchay Deposit" 2004 2002 GDR Issue AAA Rating 1994 1989 Incorporated 2.

Channel Development Managers. -•Winner of of Commerce Social Impact Awads 2023 under the Rut d PoplN•cn• W ornen 2022 award by •The Eco.runc T.rr*S' -•BEST Awæd in llh Edison Gbbal CSR A«ds 2019 - VoV.d as he •Brmd cf Decade 2019' by BARC Asaa - NSE br Best on EBP "Best CSR of Year and Best use of CSR Practices in Vanous Sectors' in UBS Forums' 10th Edition CSR Summit and Aw&ds 2024 2017 - Ebney- Best HFC - Business Today BFSI Best CEO - NSE for highest Debt Issumce 2024 •Winner of the Bond Pnvate Placement- Private Issuer of the Year • by •Assocham• 2015 - Best Housing Finance Co. by BFSI Awards - Best data quality in HFC by CIBIL Best HFC - Best HFC by ABP - Asia Award AwMds by "a.

Channel Development Managers. MFs & others, 23.10% Public , 9.60% March 2025 Fil & other erseas tor 22.06 0 LIC, 45.24% Top 10 Shareholders Shareholder Life Insurance Corporation Of India Kotak Mahindra Asset Management Company Limited Mirae Asset Global Investments (India) Pvt. Ltd. Norges Bank Investment Management (NBIM) Bank Muscat SAOG The Vanguard Group, Inc. ICICI Prudential Asset Management Co. Ltd. Tata Asset Management Ltd. Aditya Birla Sun Life AMC Limited HDFC Asset Management Co., Ltd. 45.24% 3.90% 3.31% 2.34% 2.09% 1.69% 1.69% 1.39% 1.39% 1.39%.

Channel Development Managers. O Baek ome•• O&Fut 0 H— 00 • 9 Regional Offices • 23 Back Offices • 44 Cluster Offices • 307 Area Offices • Rep office in Dubai • 2542 Employees Widening footprint... improved efficiencies 0 00 00 Year 2008 2013 2020 2025 No of No of Back Marketing Offices 125 194 282 307 offices 14 16 24 23 No of Regional Offices 6 7 9 9 No of Employees 985 1446 2392 2542 Lon Portfolio Rs cr 21936 77812 210578 307732.

Channel Development Managers. 307 Marketing Offices New Marketing Channel HOME LOAN AGENTS (HLAs) (Agents of LIC) DIRECT SALES AGENTS (Small Firms/Companies etc) CUSTOMER RELATIONS ASSOCIATES (CRAS) (Individual Agents of the Company) 45 branches of LICHFL Financial Services 100% subsidiar of LICHFL DIRECT MARKETING EXECUTIVES (Captive Marketing Channel).

Channel Development Managers. NHC-Project Loans 2.8% Non-Housing Individual 10.0% NHC-Others 2.1% NHC-Project Loans 3.0% Non-Housing Individual 10.3% NHC-Others 1.7% Individual Home Loans 85.1% 31.03.2024 01s Portfolio Rs. 286844 cr Individual Home Loans 85.0% 31.03.2025 01s Portfolio Rs. 307732 cr.

IHL. Griha Prakash Griha Shobha Griha Suvidha, Griha Suvidha Asha (with / without IMGC) Griha Prakash/Griha shobha (NFL) Griha Vikas, Griha Vikas (top-up), Griha Vikas (NFL).

OHL Schemes. Rental Securitization MY Office MY Office-LAP Griha Bhoomi & Griha Bhoomi Equity Griha Sugam Griha Vikas Banking Surrogate.

LOAN TO VALUE. Griha Bhoomi– 75% of GLV (Guide Line Value of Land) GV Cases – 60% of FMV (Fair Market Value of the property) NGV/NFL/GV–Top up Cases – 75% of FMV less Current O/s with max of 30% of FMV for NFL loan.

IIR ( Installment to Income Ratio). Cluster Office Limit Salaried Individuals NRIs Business Individuals Individuals – 50% - 65% Non Professional – 35% Professionals/Non-professional – 65% Brothers/Sisters Combination – 50% Professional – 45%.

[image]. Scheme – Salient Features. Griha Prakash (For Resident Indian Individuals): Purpose: Purchase/ Construction/ Renovation/ Extension/ Repairs of Residential House. Purchase/ Construction/ Renovation/ Repairs of Residential Flat. T/O of housing loan under same purpose to be done. Additional Top-up if property value supports. Takeover of loans- reasons for takeover to be analyzed (Annexure needs to be enclosed) Sanction letters and repayment track preferably for 1 yr must. LOD/Closure quotation duly authorized by T/o institution must. Any adversaries in T/o loan repayment to be called for explanation..

[image]. Griha Shobha (For NRIs / PIOs): Minimum Service abroad: Professional : One Year Non Professional : Three Years Professional Qualifications: MBBS, BDS, CA,CS, ICWA, B.E , B.Tech, B.Arch, MBA from reputed institutions and person holding Bachelors or Masters in computers / IT from reputed universities Loan Term – Non-professional - Max. 15 years. Professionals - Max. 20 years. Valid passport and VISA / residence permit must. E-mail verification of employment. Updated resume and proof of past work experience abroad such as tax returns, employer service certificate to be obtained..

[image]. NEW FACE LIFT Purpose is renovation /repairs only. Loan Amount – least of the following :- 30% of Current Market Value of Property OR Combined LTV 75% of Market Value of Property (incl. proposed loan) Loan should not Exceed Original Sanction Amount (no restriction on sanction amount if existing loan is 3 Years old).

Griha Vikas (Resident Indian Individuals)(Mortagage Loan) Property - Residential & Self Occupied Property. Age of Property not more than 35 yrs. Occupancy status to be verified –Self occupied or let out( sanction power vests with RO if it is let out property) If Sale deed < 1yr old- LTV on document value. If sale deed > 1 Yr old – LTV on Market value. End usage of funds annexure is must..

[image]. RENTAL SECURITIZATION (Revised norms) Eligible applicant: Individuals/ Proprietorship firms/ LLP /Partnership firm/ Limited Companies owning Commercial/ Residential Properties against future rent receivables. Purpose: Personal / Business needs of the borrower. Maximum Loan is lowest of following: (1) 60% of the valuation of Property let out. (2) 80% of Net Rent Receivable discounted at applicable ROI for unexpired lease term or maximum termof 10 years with renewal clause. (3) EMI /IIR - 90% of Net Rent, if loan term is within unexpired lease period. Or 75% of net rent, if loan term is more than unexpired lease period. Property must have been let out to PSUs / Central / State Govt. Undertakings, Banks, Financial Institutions or reputed Corporates/Firms. Unexpired Period of Lease: Minimum 2 years for commercial and 3 years for residential..

RENTAL SECURITIZATION TERM: 10 years . Property Type: Shops/showrooms/ Office Premises/ OPD Clinics/ Diagnostic centres Negative List: Hospitals, Schools, Education Institutes and Industrial Building. Registration of Charge with R.O.C. in case Applicant is a Company. Insurance of the property for entire Loan Term. EMI Payments through Escrow Mechanism.

[image]. MY OFFICE: Non-Residential property Eligible applicants: Resident salaried / self-employed individuals Non-Individuals- Firm/company( Pvt / closely held companies) Eligible property: Shops/Showrooms/Office premises/OPD Clinic/ Diagnostic centre Purpose: Purchase /Construction /Extension /Renovation or repairs /purchase of Equipments Takeover and Top-up (end use shall be for above purpose. Minimum loan: 10 Lacs Processing fee: 0.5% on loan+ taxes LTV: 1) 75% of AOS/Sale deed value - Purchase cases 2) 70% of Market value as per PV assessment- Other cases.

[image]. MY OFFICE: Non-Residential property Loan Term: Max. 15 Years. Equitable / Registered Mortgage of Property. Additional security: Equipment if financed to be Hypothecated Income shall be assessed as per SOP(actual income) - Proposed/ notional rent from this property cannot be considered Sanctioning Authority: As per FPSO-ALL applicants are individuals RM/DRM/SDRM as per FPSO - if any of the applicant is Non- Individual. Applicant is Non-Individual: Personal guarantee of all promoter directors and All partners.

MY OFFICE-LAP : Non-Residential Property Eligible applicants: Resident salaried / self-employed individuals Non-Individuals- Firm/company( Pvt / closely held companies) Purpose: 1) Business Expansion 2) Takeover + Top-up of Commercial Loan. 3) Purchase of another property (Residential / Commercial). 4) Any other personal requirement except for trading in stock market or any illicit / speculative purposes. Repayment Term: 15 years Minimum Loan: Rs.10 lakhs Property Type: Shops/Showrooms, Office Premises, Banquet Halls, Hotels rated 3 star and above only, OPD clinics/ diagnostic centre (no vacant property will be considered). Area of Operation: All areas approved by RM. LTV: 60% of Market value of property. Age of Property: Up to 30 years. Other Norms as per My Office scheme..

GRIHA VARISHTHA Maximum entry age is 65 years Primary Applicant should be the owner of the property. Family pension cannot be considered. Only Defined pension can be considered for this Scheme Spouse should join as a co-applicant. Exception- widowed / unmarried applicant. 30 years Term can be given upto 80years of age. No non-core loans under this scheme..

GRIHA VIKAS – BANKING SURROGATE Eligible applicants: Resident self-employed individuals Purpose: 1) Business Expansion 2) Takeover + Top-up of Commercial Loan. 3) Purchase of another property (Residential / Commercial). 4) Any other personal requirement except for trading in stock market or any illicit / speculative purposes. Repayment Term: 15 years Minimum Loan: Rs.20 lakhs Maximum Loan: Rs.5 Crs CIBIL Score : 700 and above Property Type: Residential self occupied Area of Operation: All areas approved by RM. LTV: 60% of Market value of property..

GRIHA SUVIDHA – BANKING SURROGATE Eligible applicants: Resident self-employed individuals with good business transactions via banking Purpose: 1) Business Expansion 2) Takeover + Top-up of Commercial Loan. 3) Purchase of another property (Residential / Commercial). 4) Any other personal requirement except for trading in stock market or any illicit / speculative purposes. Repayment Term: 25 years ( max upto 70 yrs age attainment ) Minimum Loan: Rs.20 lakhs Maximum Loan: Rs.5 Crs CIBIL Score : 650 and above Property Type: Residential self occupied Area of Operation: All areas approved by RM. LTV: 60% of Market value of property..

MLSC /IIR Limits under Special Cases. [image]. Loan Scheme Prescribed Cluster MLSC Limit Any Discretions Griha Shobha Non Professional: 35% Professional: 45% Regional Manager/DRM by another 10% within their FPSO Special cases Joint Brothers / Sisters Case: 50% Dy. Regional Manager/ Manager (operations) - MLSC up to 50% within their FPSO Regional Manager - MLSC upto 75% Special cases Person Eligible for Pension: 50% (Term beyond Retirement) Higher MLSC can be given in Griha Varistha cases. No Discretion Special cases Loan to Pensioners: 40% (already Retired from Service) No Discretion.

Loan Tenure up to maximum of 30 years. [image]. Parameters Revised norms for loan tenure more than 25 years upto 30 years Source of Income Only for salaried individuals (working with acceptable Employer Organizations as per norms in this behalf) and with good prospects of the income. Loan Tenure Balance period of service or 30 years whichever is less. In case of borrowers eligible for pension, the loan term can be considered upto age 70 years Age of the Property Age of the property should not be more than 25 years and the residual life should be at least 35 years Maximum IIR ratio MLSC/ IIR at par with loan scheme equivalent to Griha Prakash Scheme parameters as currently available for loan term upto 25 years..

CREDIT WORTHINESS. By understanding: Does the borrower has the ability to repay the amount borrowed? Does the borrower has the right intent to repay the amount borrowed? Is the borrower gainfully employed in a job or runs a business that is sustainable? Does the borrower have enough disposable income to be able to service the installment month on month? Is the borrower able to show proof of income or evidence of successfully running business? What are the other loans is he / she currently servicing and how has been the repayment track record? What is the family background of the borrower from a perspective of financial and social dependents? How good is his / her Asset base? What type of property he / she intends to purchase / mortgage?.

VERIFICATION LINKS. UDIN VERIFICATION - https://udin.icai.org/search-udin CHALLAN VERIFICATION - https://www.tin-nsdl.com/services/oltas/oltas-challan.html GST VERIFICATION - https://services.gst.gov.in/services/searchtp FORM 16 verification - https://www.tdscpc.gov.in/app/tapn/tdstcscredit.xhtml ITR Verification - https://eportal.incometax.gov.in/iec/foservices/#/pre-login/itrStatus.