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SOURCE OF INFORMATION : NATIONAL HOUSING BANK
PERIOD COVERED : 01-MAR-2006 TO 31-MAY-2026

NAMES IN BROWN COLOUR
Names of entities/persons in brown colour denote that the regulatory order is not against them but their names have been mentioned only for association purposes.

HOUSING FINANCE COMPANIES: DID NOT ADHERE TO FAIR PRACTICE CODE FOR HOUSING FINANCE COMPANIES

S.No. ENTITY PERSONS REGULATORY CHARGES REGULATORY ACTION(S) / DATE OF ORDER FURTHER DEVELOPMENTS
1
History of entity/person CENT BANK HOME FINANCE LTD.  
  DID NOT ADHERE TO HOUSING FINANCE COMPANIES (NHB) DIRECTIVES/INSTRUCTIONS/GUIDELINES, 2010

DID NOT ADHERE TO FAIR PRACTICE CODE FOR HOUSING FINANCE COMPANIES   		IMPOSED PENALTY RS.5,000

31-AUG-2021
2
History of entity/person CENTRUM HOUSING FINANCE LTD.  
  DID NOT ADHERE TO FAIR PRACTICE CODE FOR HOUSING FINANCE COMPANIES

DID NOT ADHERE TO HOUSING FINANCE COMPANIES (NHB) DIRECTIVES/INSTRUCTIONS/GUIDELINES, 2010

DID NOT ADHERE TO PROVISIONS OF HOUSING FINANCE COMPANIES-CORPORATE GOVERNANCE (NHB) DIRECTIVES/INSTRUCTIONS/GUIDELINES, 2016

VIOLATED PROVISIONS OF HOUSING FINANCE COMPANIES-APPROVAL OR TRANSFER OF CONTROL (NHB) DIRECTIVES/INSTRUCTIONS/GUIDELINES, 2016   		IMPOSED PENALTY RS.80,000

30-JUN-2021
3
History of entity/person LIC HOUSING FINANCE LTD.  
  DID NOT ADHERE TO FAIR PRACTICE CODE FOR HOUSING FINANCE COMPANIES   IMPOSED PENALTY RS.5,000

31-JAN-2020
4
History of entity/person LIC HOUSING FINANCE LTD.  
  CHARGED PRE-PAYMENT PENALTY IN HOUSING LOANS ON A) FLOATING RATE BASIS WHICH WERE PRE-CLOSED FROM ANY SOURCE AND B) FIXED RATE BASIS WHICH WERE PRE-CLOSED FROM BORROWERS’ OWN SOURCES

DID NOT MAKE DISCLOSURE OF RATE OF INTEREST AND APPROACH FOR GRADATION OF RISK AND RATIONALE FOR CHARGING DIFFERENT RATE OF INTEREST TO DIFFERENT CATEGORIES OF BORROWERS IN LOAN APPLICATION FORMS AND SANCTION LETTERS   		IMPOSED PENALTY RS.49,70,000

31-MAY-2024
5
History of entity/person MUTHOOT HOUSING FINANCE CO.LTD.  
  DID NOT MAKE DISCLOSURE OF RATE OF INTEREST AND APPROACH FOR GRADATION OF RISK AND RATIONALE FOR CHARGING DIFFERENT RATE OF INTEREST TO DIFFERENT CATEGORIES OF BORROWERS IN LOAN APPLICATION FORMS AND SANCTION LETTERS   IMPOSED PENALTY RS.80,000

21-APR-2026
6
History of entity/person PNB HOUSING FINANCE LTD.  
  VIOLATED POLICY CIRCULAR

DID NOT ADHERE TO FAIR PRACTICE CODE FOR HOUSING FINANCE COMPANIES

DID NOT ADHERE TO PROVISION OF PARA 2(1)(V) OF HOUSING FINANCE COMPANIES (NHB) DIRECTIVES/INSTRUCTIONS/GUIDELINES, 2010   		IMPOSED PENALTY RS.1,90,00,000

30-NOV-2020
The regulatory charges/regulatory actions may be fully or partly applicable to the entities/persons mentioned in the second column.

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