"We will be growing at 18-20 per cent in terms of loans in the current fiscal," DHFL CEO Harshil Mehta said.
The growth is coming mostly from Tier II and Tier III cities where ticket size is low, he said.
Loan disbursement and sanction of the housing finance firm was Rs 5,014 crore and Rs 7,668 crore respectively for the quarter ended September 30, 2015 - an increase of 17.75 per cent and 25.18 per cent over the year-ago period.
With regard to resource mobilisation, Mehta said, the company is increasing focus on fixed deposits (FDs) as it helps in lowering overall cost of funds.
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Currently, FDs are 9 per cent of the total borrowing and is expected to increase to 15-16 per cent in the next few years.
The company has mobilised close to Rs 4,347 crore from FDs as of September 30.
Talking about the North India market, Mehta said the company is expecting a steady growth in its loan book size in the this market, especially Delhi in the next 3 years.
Delhi market contributes 12 per cent to the DHFL's total loan book size.