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The National Housing Bank (NHB) was established under the National Housing Bank Act, 1987 as the apex financial institution for housing finance in India. It was set up with the objective of promoting a sound, healthy, viable, and cost-effective housing finance system to meet the housing needs of all sections of society. NHB acts as a principal agency to promote housing finance institutions, regulate and supervise Housing Finance Companies (HFCs), and support the development of the housing finance market. Though the regulatory authority over HFCs has been transferred to the Reserve Bank of India (RBI) since 2019 through amendments in the Finance Act, NHB continues to play a significant developmental role in the housing finance sector. Understanding its traditional functions and regulatory framework remains important for the study of financial services management. One of the primary functions of the National Housing Bank is the promotion and development of housing finance institutions. NHB encourages the establishment of specialized housing finance institutions across the country to increase the availability of housing credit. It provides guidance, financial assistance, and institutional support to strengthen the housing finance system and promote financial inclusion in the housing sector. NHB acts as an apex refinancing institution. It provides refinance assistance to banks, Housing Finance Companies, cooperative institutions, regional rural banks, and other eligible financial institutions that extend housing loans to individuals and housing projects. Through refinance, NHB ensures that lending institutions have adequate liquidity to expand their housing ______ _____ ________ ___ ___ ___ __________ _________ _____ _____ __________ ________.
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