Where Data Tells the Story
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Private banks have officially overtaken Public Banks as the largest lenders in India's home loan market.
Agile underwriting and digital-first onboarding have enabled Private Banks to chip away at PSU dominances, while HFCs continue to lose ground due to tighter liquidity and competitive pricing from commercial banks.
Can Housing Finance Companies reclaim market share through niche tier-2/3 market penetration, or will private bank balance sheets continue to dominate retail mortgage lending?