The present paper is an initiative to understand the various dynamics related to home loan portfolio and to undertake empirical study related to home loan. In this regard secondary data is considered. The various variables identified are financial basics are behind drop in home cost, interest rate plays an important role, paper work, decrease in profitability, awareness among the prospective customers, poor are not getting the budgetary help, re-arrangement of housing policy of government, service quality, speed of providing services and implementations of schemes should match the economic profile of the borrowers.
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