Year: 2025
Type: article
Abstract: ABSTRACT: This study investigates the trends in loan delinquency at a particular Home Finance Institute, which is a prominent Indian non-banking financial company (NBFC) with a focus on housing loans. The central objective is to examine the recurring patterns and underlying causes of delinquencies and Non-Performing Assets (NPAs) over recent years. It offers a comprehensive overview of the company's financial operations, including its loan portfolio structure, customer segments, and risk evaluation practices. By analysing customer demographic factors, such as age, income, profession, and regional presence. The project seeks to uncover relationships between borrower characteristics and default tendencies. Key financial metrics are employed to monitor delinquency behaviour and assess the effectiveness of the firm’s credit risk controls. The findings are intended to offer strategic insights that can aid in strengthening recovery processes, reducing default risks, and promoting long-term financial stability.
DOI: 10.55041/ijsrem45961
Author: DR. R. BLESSIE PATHMU
Language: English
Subfield: Accounting
Domain: Social Sciences
Open Access status: bronze
OpenAlex ID: W4409783745