எச் டி எஃப் சி இந்தியாவின் முன்னணி வீட்டு கடன் வழங்குனர். எங்கள் தனிப்பயனாக்கப்பட்ட தீர்வுகள் மூலமாக தொடக்கத்தில் இருந்து 8 மில்லியனுக்கும் மேலான கனவுகளை நிறைவேற்றி உள்ளோம்.
ஒரு அமைப்பான, தொழில் நிபுண முறையில் வீட்டு நிதியை வழங்குவதன் மூலமாக நாட்டில் குடியிருப்பு வீட்டு இருப்பை மேம்படுத்துதல் மற்றும் வீடு உரிமை தன்மையை ஊக்குவித்தல்.
ஒட்டுமொத்த உள்நாட்டு நிதி சந்தைகளுடன் வீட்டு நிதி துறையை ஒருங்கிணைப்பதன் மூலம் வீட்டு துறையில் வளங்களின் செயல்பாட்டை அதிகரித்தல்.
இந்தியா முழுவதும் பல நகரங்கள் மற்றும் நகரங்களுக்கு அவுட்ரீச் திட்டங்களுடன் 589 இணைக்கப்பட்ட அலுவலகங்களின் விரிவான விநியோக நெட்வொர்க் (202 எச் டி எஃப் சி விற்பனை அலுவலகங்கள் உட்பட).
துபாய், லண்டன் மற்றும் சிங்கப்பூரில் 3 பிரதிநிதி அலுவலகங்கள் வெளிநாட்டு வாழ் இந்தியர்களுக்கு வீட்டுக் கடன் தயாரிப்புகள் மற்றும் இந்திய வம்சாவளி நபர்களுக்கும் அவற்றை வழங்குகின்றன.
எச் டி எஃப் சி விற்பனை,எச் டி எஃப் சி வங்கி மற்றும் மூன்றாம் தரப்பு நேரடியாக விற்பனை செய்யும் அதிகாரிகள் மூலமாக மேம்படுத்தப்பட்ட விநியோகம்.
பல்வேறு வகைப்பட்ட நிதி சேவைகள்- வங்கியியல், காப்பீடு( ஆயுள் மற்றும் பொது), உடைமை நிர்வாகம், ரியல் எஸ்டேட் வென்ச்சர் கேப்பிட்டல், கல்வி கடன்கள் போன்றவை.
எச் டி எஃ ப்சி மற்றும் அதன் குழு நிறுவனங்கள் தொடர்ந்து அதற்குரிய துறைகளில் முதன்மை நிலைகளை தக்க வைத்து வருகிறது.
HDFC is a professionally managed organization with its Board consisting of eminent persons, professionals who represent various segments including finance, taxation, construction and urban policy & development. The Board primarily focuses on strategy formulation, policy and control, designed to deliver increasing value to the various stakeholders.
Mr. Deepak S. Parekh
Chairman
Mr. Nasser Munjee
Independent Director
Dr. J. J. Irani
Independent Director
Mr. U. K. Sinha
Independent Director
Mr. Jalaj Ashwin Dani
Independent Director
Dr. Bhaskar Ghosh
Independent Director
Ms. Ireena Vittal
Independent Director
Mr. V. Srinivasa Rangan
Executive Director
Ms. Renu Sud Karnad
Managing Director
Mr. Keki M. Mistry
Vice Chairman & Chief Executive Officer
HDFC is the brainchild of our Founder Chairman, the late Mr. H. T. Parekh.
HDFC has come a long way since its inception in 1977, overcoming numerous obstacles in the evolution from a fledging start-up to India’s leading provider of Housing Finance.
Here is a chronicle of our organization right from early beginnings till today, providing a historic perspective into the life of Mr. H.T. Parekh and the making of our brand.
Born on March 10, 1911, in a banking family at Surat, Mr. Hasmukh Thakordas Parekh, fondly referred to as ‘Hasmukhbhai’, was the doyen of the Indian housing and financial sectors
He imbibed the spirit of banking from his father, but what shaped him more was the deep influence of his mother, and the stamp of her self-effacing character. He also grew up in the Gandhian era, and this had a deep impact on his values and philosophy.
A graduate in Economics from Mumbai, Mr. Parekh also pursued a B.Sc. degree in Banking & Finance from the London School of Economics.
After returning to India in 1936, Mr. Parekh began his financial career with a leading stock broking firm, Harkisandass Lukhmidass. Simultaneously, he was a lecturer in Economics at the St. Xavier’s College in Mumbai for about three years. He considered his two decade-long stint at the broking firm valuable, as it not only gave him his most basic lessons in the business, but also immensely contributed to his personal growth.
During this period Mr. Parekh also continued to study and write on different aspects of the economy and economic policy, money and banking, and also participated in public discussions.
Driven by a deep interest in investment banking, he decided to move on to his next major assignment. In 1956, Mr. Parekh joined the newly set up development finance institution, Industrial Credit & Investment Corporation of India Limited (ICICI) as its Deputy General Manager. ICICI was one of the earliest institutions sponsored by the World Bank in co-operation with the Government of India and the US Government.
A nationalist to the core, he valued global involvement and co-operation. In fact, he acknowledged his debt to the World Bank, in creating in him an interest in development banking and international co-operation. He advocated the formation of a ‘common market’ between India and its neighbouring countries like Pakistan, Burma (now Myanmar), Ceylon (now Sri Lanka), Malaysia, etc., way back in 1962. This was followed up, over the years, by appeals to political leaders and even more characteristic, by suggestions regarding private action which would pave the way for a change in public policy.
Mr. Parekh rose to become ICICI’s Chairman in 1972. Under his leadership, ICICI grew impressively to gain acceptance of the Indian business community, recognition of Government and even became a showpiece for the World Bank. He was instrumental in helping the first generation of entrepreneurs of India live their dreams and, in turn, was able to bolster India’s economic growth.
By the time he moved on in 1978, ICICI had more than fulfilled its ambitious goal and became a financial landmark of India.
Extraordinary achievements start with unconventional thoughts. He was a man who dared to question, “Why can’t Indians have a home of their own with housing finance in the earlier years of their lives? Why should they have to wait till the end of their working careers?” Though the question was simple, the answer was not so. The uphill task notwithstanding, at an age of 66, when most people think of retirement, Mr. Parekh was determined to set up his most ambitious enterprise.
His lifelong dream of helping Indians own their home, as he had seen abroad during his student days, led to the formation of the Housing Development Finance Corporation Limited (HDFC) in 1977 and as they say, the rest is history.
It was the first of its kind in the country. His setting up of HDFC, without any financial assistance from the Government of India was a milestone in the Indian financial history. It was under Mr. Parekh’s leadership and direction that HDFC grew manifold while being strongly rooted in the principles of integrity, transparency and professionalism.
Mr. Parekh was a man of few words, and believed that strong views need not be expressed in strong words. He had a keen eye for talent and nurtured it by providing direction and ample learning opportunities.
He never underestimated the power of teamwork. He believed that the success of an organization was possible only with a group of dedicated professionals who shared a common goal to serve, and were willing to take reasonable risks.
Soon HDFC became a role model not only for the country but for the entire Asian region. His dream of providing better housing and living conditions for people was accomplished with an organization that was modelled on its international peers but was Indian at heart.
In keeping with Mr. Parekh’s zeal for establishing new ventures, in 1983, he promoted the first private sector oil exploration company in India, Hindustan Oil Exploration Company Limited (HOEC).
He also set up Gujarat Rural Housing Finance Corporation Limited (GRUH) in 1986, an institutional structure for providing rural housing finance in villages and small towns. As Mr. Rohit C. Mehta, former Chairman of GRUH recalled, “It was Mr. H. T. Parekh, who conceived GRUH and took initiative against odds in establishing the company. Mere words cannot describe the rare amalgam of a path-breaking intuition, pioneering vision and, above all, that even rarer quality of always remaining an eminently lovable human being. He was truly ‘a man who saw tomorrow’.”
Known for his humility, affection and concern for fellowmen, Mr. Parekh was associated with several philanthropic causes and welfare organizations.
In 1986, he was one of the founders of the Centre for Advancement of Philanthropy and served as its Chairman since its inception until his retirement in 1993. His concern and love for the city of Mumbai (erstwhile Bombay) led him to form the Bombay Community Public Trust in 1991. This venture was designed specifically to address the needs of disadvantaged citizens in the city of Mumbai. He took the initiative to finance Mumbai’s first public toilet by any corporate house ‘Sulabh Shauchalaya’. Additionally, Mr. Parekh served as a trustee of the Sameeksha Trust, Saurashtra Trust, Kasturba Gandhi National Memorial Trust, The India Foundation, The lndia Heritage Trust, and The Chakallas Puraskar Trust.
He also served as the President of the Social Service League. This charitable institution undertakes activities in several areas such as adult education, medical relief, technical education, cultural activity, industrial schools for women, night schools, children’s education classes, mobile libraries and gymnastic institutions among others.
Guided by a strong urge to be of some help to the downtrodden and the underprivileged, and to lighten their burden, he believed in service without publicity, and without a thought of personal gain. He believed that while public participation in cash and kind did play a significant role in the process of social betterment, it was far from adequate, and a lot more had to be done with organized public awareness and creation of suitable agencies.
Mr. H. T. Parekh was also the Chairman of the IMC Economic Research and Training Foundation for nearly 16 years.
A simple man, Mr. H. T. Parekh avoided the limelight and lived in a typical middle-class home all his life. It is ironic that a man, who created a revolution in housing finance and provided homes to millions, was so selfless, that he himself didn’t own a home of his own during his lifetime.
He believed in the little pleasures of life, in friendship, in reading and writing. His wisdom and warmth drew people from all walks of life to him for advice, guidance and inspiration.
In addition to being a regular contributor to the media with over 200 published articles to his credit on a variety of subjects, he authored ‘The Bombay Money Market’, a novel book detailing the intricate workings of the money market in lndia. He also chronicled his considerable experience as a development banker in his book, ‘The Story of a Development Bank (ICICI: 1955-1979)’.
Some of his other books include ‘The Future of Joint-Stock Enterprise in India’, ‘India and Regional Development’, ‘Management of Industry in India’ and ‘Indian Capital Market - Past, Present & Future’. Also, his writings in Gujarati, ‘Hirane Patro’ and ‘Hirane Vadhu Patro’ are considered works of great importance in Gujarati literature.
The country has showered him with many accolades such as the Padma Bhushan in 1992, but perhaps he gave a lot more to the nation.
Mr. H.T. Parekh passed away on November 18, 1994, marking the end of an era for HDFC as well as Indian financial world. But the thoughts and dreams of this legend live on forever, changing lives for the better...
HDFC’s customers who have opted for moratorium on their instalment payments over the last few months, now have an option to make an adhoc payment towards the dues that accrued during the moratorium period. This is an optional payment and will help customers to reduce their liability. The regular instalments as per the earlier schedule will commence at the end of the moratorium period.
Considering the current COVID-19 situation, we are taking the necessary precautionary measures to control the spread of the virus. While we shall continue to serve customers at our offices, in the interest of everyone’s health and safety, kindly visit our offices only in case it is absolutely necessary. Your co-operation will help us in serving you better. Please read the guidelines carefully before visiting us.
Social Initiatives
HDFC recognises that India’s social problems are complex and these issues require multifaceted approaches to address them. Hence, HDFC strives to work across a range of social interventions and development initiatives to facilitate deep and long term impact for a developed and inclusive society. This year, HDFC continued its association and involvement with the social sector through direct partnerships with non-government organisations (NGOs) as well as its partnership with the H T Parekh Foundation (the Foundation).
HDFC’s social initiatives cover areas such as child welfare, community development & livelihood programmes, support to the differently abled, education, healthcare & sanitation, vocational training and other such initiatives serving the betterment of society as a whole.
To view some of the highlights of HDFC’s support to various NGOs and the Foundation, across social & developmental sectors during the year, please check below links.
சிஎஸ்ஆர் கமிட்டி
சிஎஸ்ஆர் கமிட்டி
Mr. Deepak S Parekh
Chairman - HDFC Ltd.
Mr. Parekh's astute business acumen and farsightedness has not only made HDFC the leader in mortgages, but has also transformed it into India's leading financial services conglomerate with presence in banking, asset management, life insurance, general insurance, real estate venture fund, education loans and education. Mr Parekh is also the chairman of HDFC Asset Management, HDFC Life Insurance Co Ltd. and HDFC Ergo General Insurance Co. Ltd.
Mr. Parekh is on the board of several leading corporations across diverse sectors. He is the non-executive chairman in India of Siemens Ltd. He is also on the board of National Investment and Infrastructure Fund (NIIF) and International boards of DP World Ltd – UAE, Vedanta Resources Ltd, London, Fairfax India Holdings Corporation – Canada and Economic Zones World FZE. He is on the Indian advisory boards of Coca Cola India and Accenture and international advisory boards of Investcorp international, Nomura Holdings Inc and Warburg Pincus LLC.
Some of the international organizations which Mr. Parekh is associated with in an advisory capacity, include Indo US CEO Forum, City of London – Finance Committee, Indo – German Chamber of Commerce (IGCC), India UK Financial Partnership (IUKFP). In addition to being known for his vociferous views seeking standardization and transparency in the real estate sector, Mr. Parekh played a key role as Special Director on the Satyam Board in 2009 to revive the company and a crucial role during the restructuring of UTI in the late 90's, which helped regain investors' confidence. Mr. Parekh has always been willing to share his ideas and experiences to formulate reform policies across sectors. Mr. Parekh was a member of various high-powered economic groups, advisory committees and task forces which include infrastructure, housing, financial services and capital markets. The Government of India honoured Mr. Parekh with one of the highest civilian awards, the Padma Bhushan in 2006. A man with a mission, Mr. Parekh's philosophy on Corporate Social Responsibility is simple yet profound. He believes that if a company earns, it must also return to society and that companies owe a responsibility not just to shareholders, but to all stakeholders. The Mayor of London in 2017 named Mr. Deepak Parekh as first of a network of international ambassadors for championing London across the globe.
Government and Industry impressed by Mr. Parekh's performance and sobriety, have honored him with several awards. Some of the most important ones are; 'Bundesverdienstkreuz' Germany's Cross of the Order of Merit one of the highest distinction by the Federal Republic of Germany in 2014, “Knight in the Order of the Legion of Honour” one of the highest distinctions by the French Republic in 2010, First international recipient of the Outstanding Achievement Award by Institute of Chartered Accountants in England and Wales, in 2010.
Mr. Jalaj A. Dani
has been appointed as an Independent Director of the Corporation for a period of 5 years with effect from April 30, 2018. Mr. Dani is the Chairman of the Audit and Governance Committee of Directors and a member of the Stakeholders Relationship Committee of Directors, Corporate Social Responsibility Committee of Directors and IT Strategy Committee. He is a co-promoter of Asian Paints Limited and has spent over the last two decades in various capacities with Asian Paints Limited. He is actively involved in Confederation of Indian Industry (CII), Young President’s Organisation (YPO), Federation of Indian Chambers of Commerce and Industry (FICCI) and other Business Councils in various capacities. He also serves on Next Generation of Leaders Board in Indian School of Business, Hyderabad. He was identified as ‘Stars 2000’- Potential Leaders in the New Millennium by Business India Magazine in the year 1998.
Key Skills and Competencies
Mr. Dani has pursued Chemical Engineering at University of Wisconsin-Madison, USA. He also did Advanced Management Program at INSEAD, Fontainebleau; Paris. He is an expert in information technology, data analytics, digital platforms, cyber security, consumer behaviour, sales & marketing, corporate governance, risk management and strategic thinking. He has vast experience in housing and real estate sector.
Mr. Keki. M. Mistry
is the Vice Chairman & Chief Executive Officer of the Corporation. Mr. Mistry joined the Corporation in 1981. He was appointed as the Executive Director of the Corporation in 1993, as the Deputy Managing Director in 1999 and as the Managing Director in 2000. He was re-designated as the Vice Chairman & Managing Director of the Corporation in October 2007. Mr. Mistry has been the Vice Chairman & Chief Executive Officer of the Corporation with effect from January 1, 2010. He was also a member of the Committee of Corporate Governance set up by the Securities and Exchange Board of India (SEBI). He is currently the Chairman of CII National Council on Corporate Governance and a member of Primary Markets Advisory Committee set up by the SEBI. Mr. Mistry is a member of the Corporate Social Responsibility Committee of Directors and the Risk Management Committee.
Key Skills and Competencies
Mr. Mistry is a Fellow of The Institute of Chartered Accountants of India. He is an expert in finance, accountancy, audit, economics, consumer behaviour, sales & marketing, corporate governance, risk management and strategic thinking. He has vast experience in housing finance, real estate and infrastructure sector.
Ms. Renu Sud Karnad
is the Managing Director of the Corporation. She joined the Corporation in 1978 and was appointed as the Executive Director of the Corporation in 2000, re-designated as the Joint Managing Director of the Corporation in October 2007. Ms. Karnad has been the Managing Director of the Corporation, with effect from January 1, 2010. Ms. Karnad is a member of the Corporate Social Responsibility Committee of Directors, Risk Management Committee and IT Strategy Committee of the Corporation. Ms. Karnad is currently the President of the International Union for Housing Finance (IUHF), an association of global housing finance firms.
Key Skills and Competencies
Ms. Karnad holds a Master’s degree in Economics from the University of Delhi and a Bachelor’s degree in law from the University of Mumbai. She is a Parvin Fellow – Woodrow Wilson School of Public and International Affairs, Princeton University, USA. She is an expert in finance, economics, sales & marketing, human resources and risk management. She has vast experience in housing finance, real estate and infrastructure sector.
Mr. V. Srinivasa Rangan
is the Executive Director of the Corporation. Mr. Rangan joined the Corporation in 1986 and has served in Delhi Region and was the Senior General Manager – Corporate Planning & Finance function since 2001. He is the Executive Director of the Corporation since January 1, 2010. He is also the Chief Financial Officer of the Corporation and is responsible for mobilisation of funds for the Corporation, investments and asset liability management. Mr. Rangan is also a member of the Stakeholders Relationship Committee of Directors, Corporate Social Responsibility Committee of Directors and the Risk Management Committee.
Key Skills and Competencies
Mr. Rangan holds a Bachelor’s degree in Commerce and is an Associate of The Institute of Chartered Accountants of India. He is an expert in finance, accountancy, audit, economics, corporate governance, legal & regulatory compliance, risk management and strategic thinking. He has vast experience in housing finance and real estate sector.