The demand for housing in India has been growing significantly in recent years. Housing is an indicator of growth and social well-being of an economy.

For any emerging economy, development of the housing sector has its own challenges. The biggest of these challenges is access to finance. While investment in real estate is an easy candidate for borrowing, real estate lending is more opportunity-based. Lower income groups continue to remain either unserved or underserved.

This tends to deter lenders from taking exposure on borrowers from lower income groups. Thus a gap was formed between the demand and supply of finance in that sector; it was well observed by the stakeholders of the industry and soon there was a spurt in the number of the affordable housing finance institutions in the country. The “Housing for All by 2022” scheme launched by the Government of India acted as fuel to the fire.

In terms of the business, the industry has covered a long way already with total housing credit of INR 14.4 trillion as at the end of March, 2017 as against 12.4 trillion as at the end of March, 2016, and there is still more to cover as the target is already set by the Housing for All by 2022 scheme, which intends to construct 20 million houses by 2022, a significant portion of which has already been achieved. Therefore, undoubtedly, there is a lot of scope for the affordable housing finance players in years to come.

On the above pretext, we, at Vinod Kothari Consultants, feel there is a need to bring together all the stakeholders of the industry so as ensure that the all are on the same page working towards a common goal of housing for poor. There is also a need for deliberate on the various issues concerning the housing finance industry, such that a sustainable growth in the most favourable environment can be achieved.

With such an objective we are announcing the third edition of the Affordable Housing Finance Summit on 7th September, 2018 at The World Trade Centre Mumbai.

Keynote Speaker: Shri R.V. Verma, Former Chairman and MD of National Housing Bank

Outline Agenda

  • Overview of affordable housing finance markets
    • State of affordable housing in India
    • Key takeaways from affordable housing finance and housing microfinance in other countries
    • Government schemes and subsidies to the affordable housing segment
    • Housing microfinance
    • How is the market shaping up?- Rural vs. Urban housing finance
  • Regulatory and tax framework
    • RERA: have things settled down?
    • GST: direct and indirect impact on affordable housing finance
    • Tax incentives for affordable housing and affordable housing finance
    • How difficult it is to recover money from the borrowers?
    • SARFAESI, IBC and commercial courts – the new recovery regime in India
  • Financing for affordable housing finance
    • Equity funding
    • Debt funding
      • Traditional ways of funding – issuance of bonds, bank loans etc.
    • Refinance schemes available
    • Use of Infrastructure bonds by banks for financing affordable housing
    • Foreign sources of funding and masala bonds
  • Alternative financing solutions
    • Securitisation – why is it not favoured in India by housing finance companies
    • Covered bonds – what is stopping it in India?
    • Partial credit guarantee structures for affordable housing finance players
    • Innovative instruments worldwide that can be replicated in India
    • Mortgage guarantee products
    • Green bonds.

For Registration and sponsorship related queries, Get in touch with any of the following persons:

  • Abhirup Ghosh   | 033- 40010157
  • Vallari Dubey      | +91 8839528612

Alternatively, please drop us an email at or

For the detail of our Last Affordable Housing Summit click here

For our past summits click here