Aadhar s Approach to Housing Finance for BOP
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1 Aadhar s Approach to Housing Finance for BOP Presented by Harshil Mehta, CEO-Aadhar Washington DC, Oct
2 Brief Introduction about Aadhar Aadhar is supported by DHFL and International Finance Corporation (IFC) DHFL has 29 years of strong expertise in providing housing loans to low and middle income segments at fair terms. Aadhar is registered as a Housing Finance Company and Regulated by the National Housing Bank
3 Monthly Household Income Focus Income Pyramid Extend opportunities of Home Ownership to the underserved section of the Indian population > $2500 $ $2500 $750 - $1100 $500 - $ % 3% 2% 4% Low Income Groups with an average monthly income between $ 90 $ 450 Salaried, self-employed & $300 - $500 $135 - $300 8% 29% agricultural based income profile to be catered $135 Source: NHB trends in Housing CRISIL Infra Report Monitors Research 54% Loan offering up to $ 22,000 but not exceeding 80% of the cost of property
4 Who are our customers? Aadhar s customer earn between $ 90 $ 500 monthly. The earning is from salary or from small business. Salaried individuals are low pay private sector and government employees Individuals having income from small business like: Kirana (mom and pop store) merchants Grain/ Garment Traders Shop keepers Tailor, Eating joint
5 Challenges Lack of Financial Awareness Limited/No financial planning No regular Saving habit No Repayment awareness No Documentation Habit Lack of knowhow on Documentation Negligence in up keeping of Documents. Lack of Documented income. Lack of Product Knowledge My monthly income is < $150. Am I eligible for Home Loan? What are the documents needed? Which legal documents are required? What technical measures to be taken?
6 Brand Proposition - Aadhar True to the literary meaning of Aadhar which means Foundation, Aadhar promises to guide customers on every stage of home building or buying process. - Consultation - Budgeting - Finance - Technical and Legal verification - Construction or Property Selection Aadhar promotes financial inclusion and works towards the vision - providing a roof over every Indian s head, enables access to housing finance to the segments neglected so far. Aadhar simplifies and localizes the complex information for lower and middle income customers with high touch high impact awareness drives.
7 Aadhar s Approach Communicating Value and Creating Awareness Creating Awareness Financial Legal Technical Aadhar Sanyog Aadhar Paramarsh Shivir. Generating Demand Bringing the Stakeholders & Customers together Aadhar Awaas Mela Developer-Customer Sessions Communicating Value proposition Enhancing the Product preposition through localization of Legal/Tech Policies Localised Approach Simplified customer friendly communication
8 Our Typical Customer Challenges Customer - Mr. Sohan Pal Singh, Age 35+ Employed as a peon in a College Monthly salary of $ 190. Family of wife and 3 children. 1 room accommodation without proper structure Challenges - Lack of Financial Awareness. Inadequate Savings and Banking habits Lack of Document Knowledge Non availability of formal income proof and other documents Lack of Product Awareness Can he avail housing loan? What are the documents required? 8
9 Our Typical Customer - Aadhar s Approach Overcoming Challenges - Customer came in touch with Aadhar in one of the awareness creation activity- Aadhar Paramarsh Shivir. The customer was informed on Savings required for availing loan, documentation and loan product best suited to his needs. Team Aadhar helped him getting his documents in place. Aadhar s Technical team assisted in preparing necessary maps and construction estimates. Aadhar disbursed a loan of $3700 to reconstruct his dream home.
10 Outcome Strong customer base of 6592 and growing. 86% of customers earn below $ 550/month 25% of customers are self-employed. 8% of loans are disbursed in rural areas and 11% in semi urban areas. 42% of total customers pay their installments electronically. Average ticket size of $ % of customers prefer self construction. 84% of customers prefer individual houses as against apartments.
11 An Inspiration The President of World Bank, Mr. Jim Yong Kim chose to interact with few of Aadhar s customers at Kanpur on 12 th Mar 13 to know how the dreams of owning a home, were fulfilled by Aadhar
12 Thank You
13 Localized Approach Vernacular Communication Local Approach Localized Legal & Technical Policies Decentralized Process of Loan Approval and Disbursement with Central Oversight Go Back
14 Simplified Communications
15 Simplified Communications Go Back
16 Aadhar Sanyog (Awareness Drive) Interactive sessions at LIG and MIG housing colonies. Brings Product Knowledge, Financial, Legal and Technical knowhow at the doorstep Go Back
17 Aadhar Paramarsh Shivir (Consultation Camps) Consultation Camps(Paramarsh Shivir). Information on Property Selection, Technical & Legal aspects, finance and repayment. Go Back
18 Aadhar Awaas Mela (Property Exhibition) Brings Property developers, Legal & Technical experts and customers under one roof Go Back
19 Developer-Customer Sessions Awareness on the supply side on the prospect and scope in affordable housing. Encourages developers to come up with suitable properties for the low income segment. Go Back
20 Business Model Meerut (Branch) Saharanpur (Micro Branch) File Process Gangoh (Spoke)
Presentation Structure
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