Housing finance companies (HFCs) saw a smart bounceback in disbursements in the quarter ended December. The collection efficiency in the retail housing loan segment is now at pre- COVID levels. Most importantly, asset quality is holding up better than feared at the outset of the pandemic. So, should we assume that golden days for HFCs are back? While loan growth, which moderated in the current fiscal, is expected to pick up in FY22, the pace of growth of HFCs is...
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