Greetings,
Please find below & attached the press release on Capri Global Housing Finance Ltd and SBI signing co-lending agreement for housing loans for your perusal.
Request you to kindly publish the same in your esteemed publication.
Thank you,
Nitin Jaitapkar
कॅप्री ग्लोबल हाउसिंग फायनान्स लिमिटेड आणि एसबीआय यांनी गृहकर्जांसाठीच्या संयुक्त-कर्जपुरवठा करारावर केली स्वाक्षरी
मुंबई: परवडणाऱ्या घरांसाठी वित्तसहाय्य देण्यावर केंद्रीत असलेली कॅप्री ग्लोबल हाउसिंग फायनान्स लिमिटेड ही कॅप्री ग्लोबल कॅपिटल लिमिटेडच्या पूर्ण मालकीची असलेली उपकंपनी आणि स्टेट बँक ऑफ इंडिया या देशातील सर्वात मोठ्या सार्वजनिक बँकेने संयुक्त-कर्जपुरवठा करार केला आहे. कॅप्री ग्लोबल हाउसिंग फायनान्स लि. या कंपनीच्या भारतभरातील 110 टचपॉइंट्सच्या माध्यमातून वाजवी व्याजदराने कर्ज देऊन गृहखरेदीदारांना सक्षम करण्यासाठी प्रायॉरिटिसेक्टर अंतर्गत गृहकर्ज उपलब्ध करून देणे हे या सहयोगाचे उद्दिष्ट आहे. या करारांतर्गत मार्च 2022 पासून कर्जवाटप सुरू होणार आहे.
कॅप्री ग्लोबल हाउसिंग फायनान्स लि. ही कंपनी 10 राज्ये व केंद्रशासित प्रदेशांमधील विस्तृत नेटवर्कच्या माध्यमातून रिझर्व्ह बँक ऑफ इंडियाने घालून दिलेल्या संयुक्त-कर्जपुरवठा चौकटीशी सुसंगत राहत एसबीआयशी परस्परमान्य निकषांनुसार गृह कर्जाच्या अर्जावर प्रक्रिया करणार आहे. या लोनच्या लाइफ सायकलदरम्यान या भागीदारीअंतर्गत लोन अकाउंट्ससाठी सर्व्हिसिंग एजंट म्हणून कॅप्री ग्लोबल हाउसिंग फायनान्स लि. काम पहाणार आहे आणि त्यांच्या वहिखात्यात 20% कर्ज राखून ठेवेल तर एसबीआय 80% कर्ज राखून ठेवेल. या संयुक्त-कर्जसुविधेने कॅप्री ग्लोबल हाउसिंग फायनान्स लि.चे कामकाज व्यवस्थापनातील कौशल्य आणि एसबीआयचा कमी-खर्चातील फंड यांची सांगड घातली जाऊन कर्ज घेण्यास इच्छुक असलेल्यांना परवडणाऱ्या दरात कर्जसुविधा उपलब्ध होणार आहे.
एसबीआयचे अध्यक्ष श्री. दिनेश खारा म्हणाले, “संयुक्त-कर्जपुरवठा कार्यक्रमांतर्गत एचएफसीशी हातमिळवणी केल्याचा आम्हाला आनंद आहे. कर्जसुविधा न मिळालेल्या आणि या सुविधा कमी प्रमाणात मिळालेल्या गृहकर्जदारांपर्यंत पोहोचण्याचे आमचे उद्दिष्ट असून या सहयोगामुळे आमचे वितरण नेटवर्क वाढणार आहे. भारतातील छोट्या गृहखरेदीदारांसाठी परिणामकारक व परवडणाऱ्या दरांमध्ये कर्ज उपलब्ध करून देण्याचा वेग वाढविण्याच्या आमच्या प्रतिबद्धतेशी अशा भागीदाऱ्या सुसंगत आहेत आणि ‘2024 पर्यंत सर्वांसाठी घरे’ या व्हिजनला या भागीदाऱ्यांमुळे योगदान देण्यात येते.”
कॅप्री ग्लोबल कॅपिटल लि.चे व्यवस्थापकीय संचालक श्री. राजेश शर्मा म्हणाले, “भारतातील सर्वात मोठ्या बँकेशी हातमिळवणी केल्याचा आम्हाला आनंद आहे. ही भागीदारी दोन्ही अस्थापनांची लाभप्रदता वाढविण्यास मदत करेल आणि दोन्ही अस्थापनांच्या गृह कर्ज पोर्टफोलियो विस्तारेल. त्याचप्रमाणे दोन्ही वित्तदात्यांना श्रेणी 2 व श्रेणी 3 शहरांमध्ये स्पर्धात्मक दराने कर्जसुविधा उपलब्ध करून देत विस्तारीकरण करता येईल. या हातमिळवणीमुळे गृह कर्ज घेऊ इच्छिणाऱ्यांना कार्यक्षम व अखंडित अनुभव उपलब्ध करून देण्यासाठी दोन्ही अस्थापनांच्या तुलनात्मक बलस्थानांचा लाभ घेता येईल. महत्त्वाकांक्षी भारतीयांना कर्ज उपलब्ध करून देत घरमालकीला आखार देण्यात कॅप्री ग्लोबल हाउसिंग फायनान्स लि. स्थापनेपासून आघाडीवर राहिली आहे. देशातील सर्वात मोठ्या कर्जपुरवठादारासोबत सहयोग केल्यामुळे, पतपात्रता असलेल्या प्रत्येक कर्जदारासाठी गृहकर्जाच्या अधिक संधी खुल्या होतील हा आम्हाला विश्वास आहे आणि घरमालकीचे स्वप्न पूर्ण करण्यासाठी बदल घडविणारा घटक म्हणून काम करेल.
आर्थिक सर्वसमावेशकता साध्य करण्यासाठी कॅप्री ग्लोबल हाउसिंग फायनान्स लि.तर्फे वंचित गटातील कर्जदारांना कर्जसुविधा उपलब्ध करून देण्यात येते, जेणेकरून आर्थिक सर्वसमावेशकतेला चालना मिळेल आणि आर्थिक सबलीकरणाच्या माध्यमातून मोठ्या प्रमाणावर सामाजिक परिणाम साध्य करता येईल. 31 डिसेंबर 2021 पर्यंत कंपनीने 17,500+ ग्राहकांना गृह कर्ज उपलब्ध करून दिले आहे आणि त्यांना घरमालकीचे स्वप्न पूर्ण करण्यास मदत केली आहे.
About Capri Global Capital Limited
Capri Global Capital Limited (CGCL) is a Non-Banking Financial Company (NBFC) listed on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). The Company operates in two major verticals – MSME Loans and Affordable Housing Finance – through its strong network of 110+ branches spread across 10 states & Union territories and backed by a strong and committed workforce of 2850+ employees in the country. CGCL addresses the capital needs of MSMEs by offering tailor-made business loans to help them finance their capital and operational expenses. Capri Global Housing Finance Limited, a subsidiary of CGCL, operates in the affordable housing finance space is providing home loans to Lower and Middle-Income families and is a key contributor to the PM’s vision of “Housing for All” by 2022.
About State Bank of India
State Bank of India is the largest commercial bank in terms of assets, deposits, branches, customers, and employees. It is also the largest mortgage lender in the country which has so far fulfilled the home buying dreams of 30 lakh Indian families. The home loan portfolio of the bank has crossed the milestone of Rs. 5 lakh crore. As on December 31, 2021, the bank has a deposit base of over Rs. 38 lakh crore with CASA ratio of 45.74% and advances of more than Rs. 28 lakh crore. SBI commands a market share of close to 36% and a little over 28% in home loans and auto loans segment respectively. SBI has the largest network of 22,253 branches and 64,216 ATM / CDM in India with 69,500 BC outlets. The number of customers using internet banking and mobile banking stand at 97 million and 45 million respectively. The integrated digital and lifestyle platform by SBI – YONO, which has more than 45 million registered users, witnessed over 10 million average daily logins in Q3 FY 22. Accelerating the digital agenda, the bank has opened around 29,000 new digital savings bank accounts per day via YONO in the quarter ended December 2021. In terms of digital lending, the bank disbursed pre-approved personal loans worth Rs. 6,283 crore through YONO till Q3 of FY22. SBI also has the highest number of followers on Facebook and Twitter amongst all the banks worldwide.
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Capri Global Housing Finance Ltd and SBI sign co-lending agreement for housing loans
Capri Global Housing Finance Ltd, wholly owned subsidy of Capri Global Capital Ltd, focused on the Affordable Housing Finance space has entered a co-lending alliance with the State Bank of India (SBI), country's largest public-sector bank. The collaboration aims to offer housing loans under priority sector to eligible homebuyers at competitive interest rates across its 110 touchpoints in India. The loan disbursement under this arrangement would commence from March 2022.
Capri Global Housing Finance Ltd, through its diversified network of branches across ten states and Union Territories, will originate and process home loans as per mutually agreed parameters with SBI in line with the co-lending framework laid down by the Reserve Bank of India. Capri Global Housing Finance Ltd will act as a servicing agent for the loan accounts sourced under this partnership throughout the loan's life cycle and retain 20% of the loan on its book, whereas SBI will maintain 80% of the loan. The co-lending framework will collaborate the operational management expertise of Capri Global Housing Finance Ltd and low-cost fund of SBI to offer an affordable credit solution to the borrowers.
Shri Dinesh Khara, Chairman, SBI, said, "We are glad to have joined hands with the HFCs under the co-lending program. This collaboration will enhance our distribution network, as we aim to extend our credit reach to more Home Loan borrowers of the unserved and underserved segments. Such partnerships align with our commitment to accelerate effective and affordable credit to small home buyers in India and contribute to the vision of ‘Housing for All by 2024’”.
Mr. Rajesh Sharma, Managing Director, Capri Global Capital Ltd, said, “We are pleased to join hands with India's largest bank. This partnership will help increase both enterprises' profitability and expand respective home loan portfolios. It will also allow both the financier to penetrate deep into the markets of tier II and tier III cities at very competitive rates. The alliance will leverage the comparative advantages of both entities to offer an efficient and seamless experience to home loan borrowers. Since its inception, Capri Global Housing Finance Ltd has been at the forefront of giving shape to homeownership by offering credit to aspirational India. We are confident that the collaboration with the country's biggest lender will open up more opportunities for home finance to every credit-worthy borrower and act as an agent of change in fulfilling the dreams of owning a home.”
Capri Global Housing Finance Ltd is offering credit to the underserved borrowers of the society to drive a financial inclusion and create large-scale social impact through financial empowerment. As of 31st December 2021, the company has offered home loan to 17,500+ customer and helped them achieve the dream of owning a home.
About Capri Global Capital Limited
Capri Global Capital Limited (CGCL) is a Non-Banking Financial Company (NBFC) listed on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). The Company operates in two major verticals – MSME Loans and Affordable Housing Finance – through its strong network of 110+ branches spread across 10 states & Union territories and backed by a strong and committed workforce of 2850+ employees in the country. CGCL addresses the capital needs of MSMEs by offering tailor-made business loans to help them finance their capital and operational expenses. Capri Global Housing Finance Limited, a subsidiary of CGCL, operates in the affordable housing finance space is providing home loans to Lower and Middle-Income families and is a key contributor to the PM’s vision of “Housing for All” by 2022.
About State Bank of India
State Bank of India is the largest commercial bank in terms of assets, deposits, branches, customers, and employees. It is also the largest mortgage lender in the country which has so far fulfilled the home buying dreams of 30 lakh Indian families. The home loan portfolio of the bank has crossed the milestone of Rs. 5 lakh crore. As on December 31, 2021, the bank has a deposit base of over Rs. 38 lakh crore with CASA ratio of 45.74% and advances of more than Rs. 28 lakh crore. SBI commands a market share of close to 36% and a little over 28% in home loans and auto loans segment respectively. SBI has the largest network of 22,253 branches and 64,216 ATM / CDM in India with 69,500 BC outlets. The number of customers using internet banking and mobile banking stand at 97 million and 45 million respectively. The integrated digital and lifestyle platform by SBI – YONO, which has more than 45 million registered users, witnessed over 10 million average daily logins in Q3 FY 22. Accelerating the digital agenda, the bank has opened around 29,000 new digital savings bank accounts per day via YONO in the quarter ended December 2021. In terms of digital lending, the bank disbursed pre-approved personal loans worth Rs. 6,283 crore through YONO till Q3 of FY22. SBI also has the highest number of followers on Facebook and Twitter amongst all the banks worldwide.
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