Publication

Abstract : Kerala has one of the best private banking infrastructure in the whole of India. At present, four out of the total twelve Old Private sector Banks (OPBs) in India are of Kerala-based OPBs. Housing being a fundamental pre-requisite of human life, it is a top priority of the Government. The commercial banks (CBs) in general and the Private sector Banks (PVBs) in particular including the OPBs have been in the forefront of promoting housing finance as it is a highly secured category of retail credit which has the highest asset quality or the lowest NPA level. Focusing on the Kerala-based OPBs (KOPBs) this study closely looks into the performance of KOPBs in the housing finance front and suggests strategies for their superior performance. Keywords: Retail Credit, Housing Finance, MGR, PMAY, Digital India, ICT, CLM.