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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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| Paper Title: | A Study on Risk Management in Non-Banking Finance Company of Home First Finance Company India Ltd |
| Authors Name: | Kiruthika L , Mrs. K. Malarkodi , Dr.K. Rampradhap |
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IJRTI_182159
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| Published Paper Id: | IJRTI2205138 |
| Published In: | Volume 7 Issue 5, May-2022 |
| DOI: | |
| Abstract: | Home First Finance Company India Limited is the company which is concentrating more on the affordable group of people, it actually takes higher risk in terms of relaxation in documentation to the people who ever faces difficulty in facing the large public sector banks and other high end NBFC. So, they provide the loan with comparatively higher rate of interest to compensate the risk factor carried out by the company. Also, how the interest rate is fixed is, through its cost of fund, Administration fund, NPA and the profit margin of the company. Home first follows, Diminishing and floating rate type of interest. Its targeted audience are low-income formal group people i.e., Bus drivers, school teacher, clerk, auto driver, (mix of both salaried and self-employed group). So, from the above statement it is much clear that, the company not only asses the documentation part of its customer but it also looks 360 degrees of the customers opportunity sides where the risk part arises again. It talks about the Credit Risk Management part. So, to conclude that whether home first is performing well or not and what will be its future performance, SWOT of the company is analysed through its financial performance and through that the risk exposure was quantified by using the Altman’s Z-score model and maturity gap model. And the annual balance sheet was analysed by using various ratios and trend analysis. |
| Keywords: | HFFC, Risk exposure, Credit risk, NPA, Financial Risk |
| Cite Article: | "A Study on Risk Management in Non-Banking Finance Company of Home First Finance Company India Ltd", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.7, Issue 5, page no.837 - 841, May-2022, Available :http://www.ijrti.org/papers/IJRTI2205138.pdf |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2205138
Registration ID:182159
Published In: Volume 7 Issue 5, May-2022
DOI (Digital Object Identifier):
Page No: 837 - 841 Country: Karur, Tamil Nadu, India Research Area: Management Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2205138 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2205138 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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