• ANIMESH SINGH
• Prof. Madhurima Lall

House is center and domestic device for mankind's moral and substance development ever since the dawn of civilization. Housing is one of the most important that we human beings need. Adequate housing is essential for human survival with dignity. There are many things that we would find difficult, if not impossible to do without good-quality housing. Housing shortage is an universal phenomenon. It is more acute in developing countries. The housing scenario has become more critical in India in recent years. Banking sector in India is one of the most matured, exceptionally immersed and focused market. It is among the most intense revenue generator in economy pumping immense funds to regulate, stabilize and sustain the economy. Banks helps in procuring tremendous incomes and controlling the expenses within the households. With a goal to drive income, reduce cost, regulate interest rates and maximize profitability retail banking triggered to have a strong hold over customer satisfaction. The factors expected to motivate customer satisfaction are studied using SERVAQUL Model. The fundamental target of the assessment is to make a near investigation of fulfillment of the borrowers from the HDFC and LIC Housing Finance Ltds. It is closed from the examination that HDFC and LIC Housing Finance Ltd has superb staff individuals as far as conduct and the customer satisfaction is a concerned for judging the performance of bank. Further, the administrations of HDFC and LIC Housing Finance Ltd are vastly improved and keep on innovating new technologies to reduce the hazels of clients by time. India has initiated so many housing reform that has taken many forms and manifestations characterized by the reduction in social allocation, cutbacks in public funding and promotion of a real estate culture in close partnership between the state and private actors. Mortgage financing markets can play an important role in stimulating affordable housing markets and improving housing quality in many countries. Unfortunately, these are still in infancy in India. This lack of development often translates into lower home ownership rates or poor housing quality. Most of these problems stem from the central dilemma that the resources are always too limited and housing development heavily depend on the financial institutions such as banks, credit corporations and development banks for the supply of finance to meet their daily financial needs. Against this backdrop, this paper will assess basic nuances of Indian financing system.

Customer Satisfaction, Home Loan Scheme, Robust Analysis,Housing Condition in India, Housing Shortage and Affordable Housing in India, Institutional Performance of housing finance in India, HDFC, LICHFL.

"IMPACT OF FACTORS AFFECTING CUSTOMER SATISFACTION TOWARDS HOME LOAN SCHEME OF HDFC AND LIC HOUSING FINANCE LTD: A ROBUST ANALYSIS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.8, Issue 7, page no.g660-g677, July-2021, Available :http://www.jetir.org/papers/JETIR2107813.pdf

"IMPACT OF FACTORS AFFECTING CUSTOMER SATISFACTION TOWARDS HOME LOAN SCHEME OF HDFC AND LIC HOUSING FINANCE LTD: A ROBUST ANALYSIS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.8, Issue 7, page no. ppg660-g677, July-2021, Available at : http://www.jetir.org/papers/JETIR2107813.pdf