This presentation is based on a strong, well-defined, and prudent Regulatory regime that has a direct impact on the overall growth of a particular sector of the economy. A review of the existing prudential regulations reveals that there are many areas and facets of the housing finance sector that have not been covered thoroughly in prudential regulations, primarily due to the nature of the document. After having assessed the need for full-fledged mortgage guidelines, IHFD has embarked on introducing a comprehensive set of mortgage guidelines for housing finance covering all the areas of the housing finance sector.