India is a growing economy and the infrastructure development is a key to it. Presently 13% CAGR was recorded for HFCs growth in India and as per the current market research conducted by the CMI Team, the India Housing Finance Market is expected to record a CAGR of 24.1% from 2024 to 2033. In 2024, the market size is projected to reach a valuation of USD 385.14 Billion. By 2033, the valuation is anticipated to reach USD 2,669.39 Billion. The Public Housing Finance and Private Housing Finance Limited such as HDFC, PNB, LIC, India Bulls, and Star Health and Allied Insurance, reveals significant trends and variations in financial performance over the observed period. They are the leading housing finance companies in India, has shown a significant growth since their inception. They are reliable and stable player in the finance-housing sector. Financial analysis of the housing companies allows us to identify their financial strengths and weaknesses. The financial analysis of recent financial years from 2014 to 2023 shows that the housing finance companies that they are doing well and no much difference is found in their business growth. Total Revenue, Total Expenses, Profit/Loss for the Period, Current Ratio, Quick Ratio, Debt Equity Ratio, Net Profit Margin (%), Return on Capital Employed (%), Asset Turnover Ratio has been taken for the analysis. Therefore, the primary aim of this paper is to analyse the financial strengths and weakness of the prominent housing finance companies on the basis of the last 10 years financial statement. The analysis highlights varied long term and short term financial aspects of the companies. The balance sheet and business growth has been observed in the housing finance sector in India. Overall, this comprehensive analysis underscores the dynamic landscape of India's housing finance and insurance sectors, emphasizing the critical role of strategic financial management in achieving sustained growth and profitability. This study aims to provide a comparative analysis of public and private HFCs in India considering the last 10 years financial data.
