Housing being the one of the essential requirements of humanity, the demand for sanctum grows in line with the increase in population and the standard of living. Hence the need of financing the purchasing of a House came up. Housing is a habitual problem both for developed and developing countries but in varying degrees and confines. The problem of Housing has been exacerbated by the increase in population, failure of land areas, twisting land prices, low- income situations and low rate of addition to the Housing stock, inadequate conservation and the fast pace of urbanization. With the emergence of National Housing Bank in 1987, the systematized Housing finance industry has been dominated by the technical Housing Finance Institutions regulated by NHB, and the role of marketable Banks, Co operative Banks, and Agricultural and Rural Development Banks come secondary. But, in performance of National Housing Policy and precedence sector lending morals of Central Government, marketable banks come more dynamic in the Housing finance business, which posed trouble to the technical HFIs, and their market share has vastly adulterated. Lowering of interest rates, entry of numerous new players, thin spreads, reduced credit off take to artificial sector, insignificant product isolationetc. have made competition in Housing finance industry veritably stiff. Further, the borrowers are brazened with numerous problems as they aren't completely apprehensive of the different aspects of Housing loan of different fiscal institutions, similar as the services rendered, interest computation, processing charges, maturity term, effective rate of interestetc. which make comparison between institutions more complicated. Therefore, the complex nature of Housing finance in India itself necessitates an evaluation of the services rendered by the players in the industry to its customers and their comprehensions and position of satisfaction in this regard. Hence, a relative study on the performance of Public and Private Housing Finance Companies in India has been made.

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Keywords: Housing, Finance, Processing, Economic, Reforms, Commercial, Dynamic, Juncture.