Market segment –Small & Medium Housing (SMH) Finance for low and middle-income populations. Our Mission: To be a socially responsible and commercially Sustainable entity—-a difficult mission. Nearly 3/4th of our mail is for the remission of loans forwarded by the President’s Secretariat, PM Secretariat, Ministry of Finance, and other Govt. Quarters. Remission Programs offered in the past and granted through the HBFC platform have severely damaged HBFC’s reputation as a financial institution as well as its financial condition. We need to separate the “Charity” Platform from the “Opportunity” program. HBFC provides an “opportunity” by empowering low & middle-income populations to own a house.