An Analysis of National Housing Bank's (NHB) Performance in Housing Finance in india

A man needs housing in order to live a respectable life.The Government of India's main goal is to provide housing for everyone. It established the National Housing Bank in 1988 with the intention of achieving this goal, and it is through this bank that a number of housing finance companies offer housing loans. The goal of the study is to draw attention to the part the NHB has played in the nation's housing development. NHB's refinance activity to the housing finance institutions involved in housing finance activities was a significant contribution. One essential requirement for human existence is housing. Therefore, the Government of India (GOI) is not an exception to the global trend of housing building and financing. "Affordable Housing for All" has been a national objective in India since 2017. This national target was intended to be accomplished by 2022, however it was not, in part, due to the crisis brought on by the Covid-19 outbreak. 2025 is the GOI's updated goal. This study examines the primary participants in the housing financing industry, namely HFCs and Commercial Banks (CBs), and how they contribute to achieving the national housing goal. Increased visibility of specialist organizations with a smaller role, such as Apex, Small Finance Banks, and Affordable Housing Finance Companies (AHFCs).