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corporate bodies.LIC Housing Finance Limited (LIC Housing Finance) is an Indian based housing finance company. repairs. purchase and renovation of houses and flats to co-operative housing societies. 13 back offices and 157 marketing units as well as through pan-India marketing that includes a network of 4. builders and individuals. market share OTHER HFCs 12% OTHER BANKS 16% HDFC 33% LICHFL 16% ICICI 6% SBI 16% FUNDING SOURCE:       Term deposits Institutional borrowings (domestic and international) Capital market Foreign currency convertible bonds Refinance from NHB Securitization SWOT ANALYSIS: Strength:  An active main stream sector . The company provides loans for construction. The company operates through a network of six regional offices. The company also provides asset management services. 934 direct sales agents and 485 customer relationship associates.865 home loan agents. venture fund and financial services through its six subsidiary companies.

Threats:   Lower transaction level in reality sector High switching cost of customers. Weakness:     Interest rate was persistent Dilution in due diligence on the part of lenders is a often seen Lack of uniformity of norms Increase in default rates Opportunities:      Increasing urbanization Housing microfinance has potential Tax rebates on house loans Falling interest rates Lower SLR and CRR with enhanced liquidity. credit unions and rural banks. so loan can be offered. microfinance Growing population Increase in working force Economical: . co-operatives. INFLUENCING FACTORTS: Socio.  Effective regulatory framework Extension network of regional bank.Cultural:       Style change Regional shifts Impact of generation Y Family break.

    Fiscal concessions Inflation Interest rate Lower output volatility Technological:    Hardware improvements Econometric modeling Software improvements Regulatory:   Reserve bank of India requirements National housing board requirements PORTER’S FIVE FORCES: High Medium BARGAINING POWER OF CUSTOMERS BARGAINING POWER OF SUPPLIERS HIRIVALRY RIVALRY WITHIN THE INDUSTRY THREAT OF NEW ENTRAINTS HIGH High THREAT OF SUBSITUTES MEDIUM .

print media and mobile telephony or sponsoring property exhibitions Entering in special tie ups with developers Roping in celebrities as brand ambassador “ feet on street” selling approach Emergence of new distribution arms: direct selling agents Cross selling of product and services. Extensive use of electronic.MARKETING & DISRIBUTION STRATEGY:         Aggressive but mature marketing strategy pursued. EXPANSION STRATEGY: Vertical integration LICHFL property service division Horizontal integration:     LICHFL home care limited LICHFL financial services limited LICHFL trustee company private limited LICHFL asset management company private limited .