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The growth in housing activities in recent years reflects the optimistic state of the housing finance market in the country. With a growing number of players, the mortgage (housing) finance sector is becoming market driven. The market has witnessed change in lending practices in certain segments to accommodate customer needs. There seems to be high intensity of competition among different players of the housing finance sector. The findings of the study reveal that the business of housing finance is highly concentrated in nature and revolves around a few players only. The top players are HDFC Limited, National Housing Bank, SBI, ICICI and LICHFL. Amongst these three HFIs, HDFC Limited is taking the lead. Talking about the value of HH index with respect to the level of concentration, the trend has continued to remain the same over several years. The performance of these institutions has been influenced by more than just customer demand. Stricter NPA norms, softening interest rates, and stiff competition in mobilizing low-cost deposits have all affected the supply-side factors, which in turn has influenced the performance of these institutions in terms of volume and competitiveness.

A Study of Competition and Concentration of Indian Mortgage (Housing) Finance using Herfindahl Model