Kamfanin Kula da Kudi na Ci Gaban Gidaje

**Kamfanin Kula da Kudi na Ci Gaban Gidaje (HDFC) ** ya kasance mai ba da lamuni mai zaman kansa na Indiya wanda ke Mumbai.  An san shi sosai a matsayin babban kamfani na kuɗin gidaje a Indiya.  Baya ga ainihin ayyukan ba da lamuni na jinginar gida, HDFC tana da buƙatu iri-iri ta hanyar abokan haɗin gwiwarta da na kamfanoni, gami da banki, inshorar rayuwa da na gabaɗaya, sarrafa kadara, babban kamfani, da sabis na ajiya..

A cikin Yuli shekara ta 2023, HDFC ta haɗu da HDFC Bank, babban banki mai zaman kansa na Indiya.  Haɗin ɗin ya yi niyya ne don faɗaɗa abubuwan ba da kuɗi na ƙungiyar da haɓaka hanyoyin samun abokan ciniki ta hanyar yin amfani da babban hanyar sadarwa na bankin da maɓalli daban-daban.  Wannan haɓakar dabarun ya nuna babban ci gaba a cikin yanayin sabis na kuɗi na Indiya.

## Tarihi
An kafa HDFC a cikin 1977 tare da tallafi daga al'ummar kasuwanci ta Indiya,   a matsayin kamfanin jinginar gida na farko na Indiya da kuma babban bangare na HDFC Group. Kamfanin Masana'antu da Kasuwanci na Indiya (ICICI) ne ya inganta HDFC. Hasmukhbhai Parekh ya taka muhimmiyar rawa wajen kafa harsashin kamfanin wanda ya fara da babban manufar warware karancin gidaje a Indiya kuma ya ci gaba da girma daga baya.

A cikin 2000, Kamfanin Gudanar da Asset na HDFC ya ƙaddamar da tsarin asusun hadin gwiwa. A cikin wannan shekarar, IRDA ta ba da rajista ga HDFC Standard Life Insurance, a matsayin kamfanin inshora na rayuwa na farko a Indiya. A halin yanzu, kungiyar tana aiki a Indiya, Kuwait, Oman, Qatar, Saudi Arabia, Singapore, Hadaddiyar Daular Larabawa da Ingila. 

## Kayayyaki da ayyuka
Kamfanin ya ba da kuɗin gidaje ga daidaikun mutane da kamfanoni don siyan / gina gidajen zama.  Nau'in lamunin da kamfani ke bayarwa sun haɗa da lamuni don siye da gina rukunin gidaje, siyan filaye, lamunin inganta gida, lamunin tsawaita gida, lamunin wurin zama na ƙwararru da rance akan kadarorin da zaɓuɓɓukan biyan kuɗi sun haɗa da wurin biya na mataki-mataki da tsarin biyan lamuni mai sassauci[1].  Ya kasance daya daga cikin manyan masu ba da lamuni na gidaje a Indiya.  INR 456,000 crores a cikin shekaru 35 na kasancewarsa don jimlar rukunin gidaje miliyan 4.4

Matsakaicin bayanin martabar lamuni ya kai INR miliyan 2.18 (US $35,160) wanda ke ɗaukar kusan shekaru 13 kuma ya rufe kusan.  65% na ainihin ƙimar kadara.  Tun daga shekara ta 2000, kamfanin ya fara ba da lamunin gidaje a Intanet, ya zama kamfani na farko da ya yi hakan

### Inshorar rayuwa
Tun daga shekara ta 2000, kamfanin ya ba da inshorar rai ta hannun reshensa na HDFC Standard Life Insurance Company Limited.  Ya ba da samfuran mutum 33 da samfuran rukuni takwas.  Ya yi amfani da cibiyar sadarwar ƙungiyar HDFC don ƙetare-sayar ta hanyar ba da samfuran da aka keɓance.  Ya yi aiki daga ofisoshi 451 a duk faɗin Indiya, yana aiki sama da wurare 965.  Yana da rabon kasuwa na 4.6% na kasuwancin inshorar rai a Indiya kamar na 30 Satumba 2013.  HDFC Life tana da ma'aikata sama da 15,000.

### Inshora na gaba ɗaya
Kamfanin ya ba da samfuran inshora na gaba ɗaya kamar:

* Motar, kiwon lafiya, tafiye-tafiye, gida da haɗari na mutum a cikin ɓangaren sayarwa wanda ke da asusun 47% na jimlar kasuwancinsa da
* Dukiya, jirgin ruwa, jirgin sama da inshora a cikin ɓangaren kamfanoni 

### Kudin Mutuwa
HDFC ta ba da sabis na asusun hadin gwiwa ta hanyar asusun HDFC Asset Management Limited. Matsakaicin kadarorin da ke karkashin gudanarwa (AUM) na HDFC Mutual Fund na kwata Jul-13 zuwa Satumba-13 ya kasance INR 1.03 tiriliyan.

## Ayyuka
Cibiyar sadarwar HDFC ta mamaye tashoshin 396 (ciki har da ofisoshi 109 na kamfanin rarraba HDFC na HDFC Sales Private Limited) wanda ya ba da abinci ga kusan. Garuruwa da birane 2,400 a Indiya. Don kula da Indiyawa marasa zama, HDFC tana da ofisoshi a London, Singapore da Dubai  da kuma abokan aiki a kasashen Gabas ta Tsakiya.

An buɗe ofishin farko na ƙasashen waje a Dubai a cikin 1996 kuma a cikin 2000 an faɗaɗa shi zuwa London da Singapore.

Bugu da kari, HDFC ta rufe wurare sama da 90 ta hanyar shirye-shiryen fadakarwa. Ayyukan tallace-tallace na HDFC sun mai da hankali kan bunkasa cibiyar sadarwar rarrabawa mai ƙarfi. Ana kuma samun rancen gida ta hanyar HDFC Sales, HDFC Bank Limited da sauran masu sayar da kai tsaye (DSA). Kamfanin yana da masu mallakar ma'aikata 232 da masu hannun jari da ke yin rajista ta hanyar 13D / G ko 13F tare da Hukumar Musayar Tsaro. Babban mai saka hannun jari daga cikinsu shine Asusun Ci gaban Kasa da Kasa na Vanguard.

## Manyan rassa da abokan tarayya
Babban haɗin gwiwar HDFC da kamfanoni masu zaman kansu sun haɗa da Bankin HDFC, Kamfanin Inshora na Rayuwa na HDFC, Babban Kamfanin In inshora na HDFC ERGO, Kamfanin Gudanar da Asset na HDFC. 

### Bankin HDFC
HDFC ta rike kashi 26.14% na hannun jari a Bankin HDFC. Bankin HDFC yana ba da rancen gida don HDFC don kuɗi. Manyan wuraren kasuwanci na Bankin HDFC sun kasance manyan banki da kuma ayyukan ajiya. Ya zuwa watan Afrilu na shekara ta 2023, kasuwar ta ta kasance ₹ 941,386 crore (US $ 110 , yana mai da shi kamfanin kasuwanci na uku mafi girma a Indiya.

### Kamfanin Inshora na Rayuwa na HDFC
HDFC ta gudanar da kusan. 48.7% na hannun jari a cikin HDFC Life  kuma shi ne kawai mai gabatar da kamfanin, tun daga Mayu 2023 .  A watan Satumbar 2013, an sanya shi a matsayi na uku dangane da kasuwar kamfanonin inshorar rayuwa masu zaman kansu a Indiya. A wannan ranar, tana da cibiyar sadarwa ta kusan. Masu ba da shawara kan kudi 72,000 don sayar da manufofinta.

### Kamfanin Gudanar da Kasuwanci na HDFC
HDFC ta kafa HDFC Mutual Fund a matsayin hadin gwiwa tare da Standard Life Investments a cikin 1999. HDFC Asset Management Company ita ce manajan saka hannun jari na HDFC Mutual Fund.  HDFC ta rike kashi 52.6% kuma ita ce kadai mai gabatarwa da kamfanin a watan Yunin 2023.  HDFC AMC ta gudanar da tsare-tsare 68 wadanda suka hada da bashi, daidaito, asusun musayar da kuma asusun tsare-tsaren asusun. Matsakaicin kadarorin da ke karkashin gudanarwa (AUM) a ƙarshen Maris 2022 ya kasance ₹ 4.07553 tiriliyan. An sanya shi na uku a cikin masana'antu a Indiya bisa ga matsakaicin kadarorin da ke karkashin gudanarwa.

### HDFC ERGO Babban Kamfanin Inshora
HDFC ta kafa wannan kamfanin inshora tare da ERGO Insurance Group. HDFC ta rike 50.5% kuma ERGO ta rike 26% na hannun jari. A ƙarshen watan Satumba na shekara ta 2013, kasuwar ta a cikin inshora na gaba ɗaya ta tsaya a 4.1% (duka) dangane da babban kuɗin kai tsaye a farkon rabin shekara ta 2013-14.  Jimlar ƙarfin ma'aikacin kamfanin a ranar 31 ga Maris, 2013 ya kai 1,389.

### HDFC Capital Advisors
An kafa shi a cikin 2016, HDFC Capital Advisors kamfani ne mai zaman kansa. Ya zuwa Afrilu 2023, HDFC tana da kashi 90% a cikin kamfanin yayin da Hukumar Zuba Jari ta Abu Dhabi ke riƙe da sauran kashi 10%. A cikin 2022, an haɗa kamfanoni biyu na HDFC, wato HDFC Property Ventures da HDFC Venture Capital, cikin HDFC Capital Advisors.

## Tsoffin rassa da abokan tarayya

### HDFC Credila Ayyukan Kudi
HDFC Credila kamfani ne na kudi wanda ba na banki ba kuma mai ba da rance na farko na Indiya don mayar da hankali kan rance na ilimi. Kamfanin ya ba da rancen ga daliban digiri da na digiri da ke karatu a Indiya ko kasashen waje. HDFC tana da kusan kashi 90% a cikin wannan kamfani. A cikin 2023, HDFC ta sayar da mafi yawan hannun jari a cikin HDFC Credila ga ƙungiyar kamfanoni masu zaman kansu, karkashin jagorancin Baring EQT da ChrysCapital, don ₹ 9,₹9,060 crore  . 

### HDFC RED
An ƙaddamar da shi a cikin shekara ta 2010, HDFC tana da hannun jari 100% a cikin HDFC RED, dandalin lissafin ƙasa na kan layi wanda ke aiki a ƙarƙashin HDFC Developers Ltd. Kamfanin yana mai da hankali kan ƙasa, guje wa sake siyarwa da sabis na haya. A cikin 2018, HDFC ta sayar da HDFC RED da HDFC Realty ga Quikr don ₹ ₹357 crore (US $ 54.82 miliyan). 

### GRUH Kudi
HDFC ta gudanar da kusan. 59% a cikin GRUH, kamfanin hada-hadar gidaje wanda ke ba da rance ga mutane don siye, gini da gyaran gidaje. GRUH kuma tana ba da rance ga ɓangaren masu aiki da kansu inda ba a samun tabbacin samun kudin shiga ba. Tana da cibiyar sayar da ofisoshi 136 a fadin jihohi 7 a Indiya.

A ranar 17 ga Oktoba, 2019, GRUH Finance ta haɗu da Bankin Bandhan, ta ba HDFC kashi 14.9% a cikin Bandhan.

## Jerin da hannun jari
**Jerin**: An jera hannun jari na HDFC a kan Kasuwancin Kasuwancin Bombay inda ya kasance memba na BSE SENSEX index,  da kuma Kasuwancin Jakadancin Indiya inda yake memba na S & S&amp;amp;P CNX Nifty. 

**Kasuwanci**: A ranar 30 ga Satumba 2013, 73.09% na hannun jari na kamfanin mallakar masu saka hannun jari ne na kasashen waje (FII). Kimanin masu hannun jari na jama'a 185,000 suna da kusan. 9.25% na hannun jarinsa. Sauran hannun jari na 17.66% mallakar wasu ne.

## Ma'aikata
Ya zuwa 31 ga Maris 2013, kamfanin yana da ma'aikata 1,833 daga cikinsu kashi 22% mata ne. Kamfanin ya sami INR biliyan 5.28 a kan kudaden amfanin ma'aikata na shekarar kudi ta 2012-13. Don shekara ta 2012-13, kamfanin ya ba da rahoton ribar kowane ma'aikaci na US $ 484,000 da dukiyar kowane ma'aikata na US $ 18.5 miliyan. Cibiyar Horar da HDFC tana cikin Lonavla Mumbai kuma an kafa ta ne a shekarar 1989. An fi amfani da shi don shirye-shiryen horo, bita, taro da tarurrukan dabarun.

## Kyaututtuka da karbuwa

* A cikin 2013, wani bincike kan "Kwamitin Mafi Kyawun Indiya" ya lissafa Kwamitin Daraktocin HDFC a cikin manyan alluna 5 a Indiya.
* A watan Mayu na shekara ta 2013, *Forbes* ya lissafa shi a No. 561 a cikin jerin manyan kamfanoni na Duniya na 2000.
* A cikin 2012, HDFC Limited an san ta a matsayin daya daga cikin 'Kamfanoni Mafi Kyawun da za a yi aiki da su' a cikin binciken hadin gwiwa da The Economic Times da 'The Great Place to Work Institute' suka gudanar.