National Housing Bank (NHB)

National Housing Bank (NHB) was set up by an Act of Parliament in 1987. NHB is an apex financial institution for housing. It commenced its operations in 9th July 1988. NHB has been established with an objective 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

NHB registers, regulates and supervises Housing Finance Company (HFCs), keeps surveillance through On-site & Off-site Mechanisms and co-ordinates with other Regulators.


NHB has formulated a Scheme called, Energy Efficient Housing Scheme (EEHS), 2011 for lending towards energy efficient housing units/buildings. The objective of the Scheme is to provide refinance assistance to Housing Finance Companies (HFCs) in respect of their direct lending up to Rs.50 lakhs to individuals for purchase/construction of new energy efficient housing units in urban areas. While the broad policy framework, eligibility of HFCs for refinance, operational procedures are the same as for the other Schemes of refinance there are certain changes in terms and conditions and eligibility of the end borrower. This self contained brochure containing all necessary information is given as under. This scheme was launched in financial year 2011-12. The disbursement made under the scheme (from 01.07.11 to 07.06.12 ) was Rs 81.36 crores.

HFCs are expected to utilize this Refinance Assistance and assist such persons to have an energy efficient shelter of their own by extending need-based housing loans to them. HFCs are also encouraged to avail of refinance from NHB under its other scheme to enable ‘leverage’ of EEHS so that the principal objective of increasing housing stock in the urban areas is served.

Refinance from NHB will be available to the extent of 100 per cent of housing loans sanctioned and disbursed by the HFCs for acquisition/construction of new housing units, in accordance with the provisions of the Scheme. The refinance assistance under this dispensation would remain valid upto 30th December 2013 or till such further time as decided by NHB.


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