Gruh Finance

- Housing finance company
- Subsidary of HDFC Ltd
- P/BV is 7.7 Vs HDFC's P/BV of 3.9 times.
- Uniqueness : offers loan to self employed segment where formal income proofs are not available.
- Also offers loans to professionals for purchase of office premises.
- Has 136 offices in 7 states.
- Home loan portfolio grew 32% last year to Rs.5727 crores.
- Net NPA stands at 0.05%