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National Housing Bank

Topics Covered:

  1. Inclusive growth and issues arising from it.


National Housing Bank


What to study?

For Prelims and Mains: Role, objectives and significance of NHB.


Context: The Cabinet has approved payment of the face value of the subscribed share capital of Rs.1450 crore in National Housing Bank(NHB) to Reserve Bank of India (RBl) consequent to amendments made to the NHB Act, 1987 in 2018.



  • The wholesale financing role of NHB will get strengthened with the transfer of ownership to Government, thereby making possible augmented funding support to housing finance companies.
  • The change in ownership from RBI to Gol will also segregate RBI’s role as banking regulator and as owner of NHB.


About NHB:

NHB is an All India Financial Institution(AIFl), set up in 1988, under the National Housing Bank Act, 1987.

It is an apex agency established to operate as a principal agency to promote housing finance institutions both at local and regional levels and to provide financial and other support incidental to such institutions and for matters connected therewith.