PMRC| Benefits of PMRC Financing

Reduced Maturity mismatch – Improved ALM.

Reduced Market risk – Fixed rate Loans.

Stable source of funding.

Reduced Credit Risk- Improved Affordability of Consumer.

Borrowings from PMRC are exempted from maintenance/calculation of CRR/SLR

Exemption in general provisioning for portfolio refinancing loans from PMRC.

Reduced Risk Weightage for PMRC refinanced mortgages.

Exemption from real estate lending limits – more exposure for Housing Finance.

PMRC’s funding will increase housing finance portfolio of banks thereby creating long term funding source.

Banks can cross sell different products to new customers to increase profitability.

Leveraging existing portfolio for additional lending.

Prefinance option available to generate mortgage loan portfolio.

Specialized products for low and middle income segment with price incentive.

Mortgage loans portfolios of Pensioners and Govt. employees can be refinanced.

PMRC assistance for capacity building and product innovation.

Benefits of PMRC Financing