Company Overview:
Over 25 years have passed since the company's inception, today DHFL arguably stands strong as the third largest housing finance company & the second largest housing finance company in the private sector, and is still profitably doing what its Founder intended it to do. It has got a purpose driven team of enthusiastic people who are willing to carry on the founder's vision & transform the housing scenario in India by providing affordable housing finance
Today, DHFL with its Corporate Office at Mumbai & 6 Zonal offices strives continually to reach out to its customers through its extensive network of 93 Branches, 70 Services Centers, 30 Camps managed by 7 Regional Processing offices spread across the length and breadth of the country. DHFL has also a tie – up leading Public Sector Banks such as Punjab & Sind Bank, United Bank of India, Central Bank of India to provide home loans to customers through a Joint Venture. DHFL has also setup up its representative offices at London & Dubai to serve the increasing NRI population in these regions. It has also tied – up with UAE Exchange to offer its home loan products through the various UAE Exchange centers in the GEC countries
A Gross Income of INR 99254.63 lacs, Profit After Tax (PAT) of INR 15069.23 lacs with disbursements recorded over INR 386556 lacs and Asset size of INR 980437.70 lacs (as on 31.03.2010), it can be confidently said that DHFL and its vision did make good business sense and has contributed to changing the lives of more than 300000 customers
DHFL is listed on BSE & NSE and has been rated CARE AA+, BWR FAAA & CRISIL P1 indicating high standards of business management
Scheme Details:
- Minimum Investment: Rs.2,000 and in multiples of Rs.1,000 thereafter
- Scheme Options: Cumulative, Non-Cumulative, Certificate and Small Savings
- 0.25% extra interest for Senior Citizens, Widows, Armed Forces Personnel, Home loan borrowers and Share holders of Dewan Housing
Rate of Interest:
| Cumulative Scheme* | ||||
| Period (Months) | < Rs.25 Lakh | Rs.25 Lakh & above | ||
| Interest Rate (%) | Annual Yield % | Interest Rate (%) | Annual Yield % | |
| 12 | 9.00 | 9.20 | 9.25 | 9.45 |
| 24 | 9.10 | 9.75 | 9.35 | 10.03 |
| 36 | 9.25 | 10.38 | 9.50 | 10.70 |
| 48 | 9.00 | 10.55 | 9.25 | 10.90 |
| 60 | 9.00 | 11.06 | 9.25 | 11.43 |
| 72 | 9.00 | 11.60 | 9.25 | 12.01 |
| 84 | 9.00 | 12.17 | 9.25 | 12.61 |
| Non Cumulative Scheme* |
| ||||||||
| Period (Months) | Deposit < Rs.25 Lakh | Rs.25 Lakh & above |
| ||||||
| Interest (%) payable yearly | Interest (%) payable half yearly | Interest (%) payable quarterly | Interest (%) payable monthly | Interest (%) payable yearly | Interest (%) payable half yearly | Interest (%) payable quarterly | Interest (%) payable monthly |
| |
|
| |||||||||
| 12 to 23 | 9.20 | 9.00 | 8.90 | 8.83 | 9.45 | 9.25 | 9.15 | 9.08 |
|
| 24 to 35 | 9.31 | 9.10 | 9.00 | 8.93 | 9.56 | 9.35 | 9.25 | 9.18 |
|
| 36 | 9.46 | 9.25 | 9.14 | 9.08 | 9.71 | 9.50 | 9.39 | 9.32 |
|
| 37 to 84 | 9.20 | 9.00 | 8.90 | 8.83 | 9.45 | 9.25 | 9.15 | 9.08 |
|
* Interest rates are subject to change. Kindly check the rates before investing
Company Financials:
| Financial Year Ended | Profit Before Tax | Profit After Tax | Dividend (%) |
| 31-Mar-09 | 12411.49 | 9176.49 | 25.00 |
| 31-Mar-08 | 10572.74 | 8257.74 | 25.00 |
| 31-Mar-07 | 5945.53 | 4840.17 | 25.00 |
Who Can Apply?
#4 | 2nd Floor | Khaitan Chambers | Modi Street |Mumbai.
(022 – 30268502 | Mobile: (+91) 9769733071 | 7 Fax 022- 30268500
* abhijit@sprism.in | website: www.sprisminvest.com
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