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NHB Service Regulation

Information under Right to Information Act (RTI)

Right to Information Act, 2005
The Government of India has enacted the Right to Information Act, 2005 which has come into effect from October 12, 2005. The Right to Information under this Act is meant to give to the citizens of India access to information under control of public authorities to promote transparency and accountability in these organizations.
NHB's Obligation under the Act
The National Housing Bank (NHB) was established on July 9, 1988 under an Act of the Parliament viz. the National Housing Bank Act, 1987. National Housing Bank is a public authority as defined in the Right to Information Act, 2005. As such, NHB is obliged to provide information to members of public.
Activities of National Housing Bank:

Broadly, the activities of the National Housing Bank can be divided into the following three major sub-heads:

a. Regulation and Supervision: NHB exercises regulatory and supervisory authority over the Housing Finance Companies (HFCs). These Companies are required to obtain Certificate of Registration (CoR) from NHB for commencing/carrying on the business of a housing finance institution under Section 29 A of the NHB Act; and are required to comply with Directions, Guidelines and other directives issued by NHB.

b. Promotion and Development: NHB operates as the apex Development Finance Institution (DFI) for the housing sector. The policies of NHB are directed towards promotion and development of housing finance institutions and the sector in general. The development of human resources is sought through training programmes, seminars and symposia on matters related to housing for the officials of the Housing Finance Companies (HFCs), Commercial Banks and Public Housing Agencies. Besides, NHB has taken up a number of Research Studies to facilitate development of sector on sound and healthy lines. The Bank has also launched ‘NHB Residex’; a price index for residential properties in six cities to begin with; and the same is proposed to be extended to various other cities in due course.

c. Financing: NHB raises resources for deployment towards increasing new housing stock and provides housing refinance to a large set of retail institutions. These include eligible scheduled commercial banks, scheduled state cooperative banks, scheduled urban cooperative banks, specialized housing finance institutions, apex cooperative housing finance societies and agriculture and rural development banks. In addition, the Bank has also extended financial support to the housing schemes formulated by Public Housing Agencies. Non Government Organisations (NGOs) and Micro Finance Institutions (MFIs) are also considered for financing to cater to the needs of the economically weaker sections of the society.

Departments of NHB:

NHB is an officer oriented Organisation and has the following departments:

  1. Regulation and Supervision
  2. Resource Mobilization and Management
  3. Board and CMD Secretariat
  4. Refinancing Operations
  5. Legal
  6. Project Finance
  7. Information Technology
  8. Development and Risk Management
  9. Residex
  10. Enabling Processes
Organizational Structure of NHB:
NHB is headed by a full time Chairman and Managing Director, supported by Executive Directors, Head of Departments and other Officers under them. A high powered Board of Directors comprising of Directors nominated by the Reserve Bank of India, top Government officials and eminent independent professionals guide the affairs of NHB. NHB’s Head Office is in New Delhi. It has a regional office in Mumbai and Representative offices in Hyderabad, Bengaluru, Chennai, Kolkata, Lucknow & Ahmedabad .
Particulars of present MD & CEO of NHB are as under:

Shri. Sriram Kalyanaraman
Managing Director & Chief Executive Officer, (in post since  July 13, 2015) 
National Housing Bank, 
Core 5A, 5th floor, 
India Habitat Centre, Lodhi Road, 
New Delhi – 110 003 
Tel: 011-24642722 
Fax: 011-24649030

Grades At NHB

Various posts/scales in the Bank are as specified below:

Post/Scale Grade
Executive Director Special Grade
General Manager(s) (Scale VII) Top Executive Grade
Deputy General Managers (Scale VI) Top Executive Grade
Asst. General Managers (Scale V) Senior Management Grade
Regional Managers (Scale IV) Senior Management Grade
Managers (Scale III) Middle Management Grade
Deputy Managers (Scale II) Middle Management Grade
Assistant Managers (Scale I) Junior Management Grade

Scales of Pay :

NHB Officers’ Scales of Pay are as per IBA scales of pay applicable in Banks.

Appointment of Central Public information Officer under the Right to Information Act 2005:

In terms of Section 5(1) of the Right to Information Act, 2005, the undernoted has been designated as Central Public Information Officer for National Housing Bank to provide information to citizens requesting for the same under the said Act:

Name : Sh. K. Chakravarthy
Designation : General Manager
Contact Address :

National Housing Bank,
Core 5A, India Habitat Centre,
Lodhi Road ,
New Delhi – 110 003

Contact Phone No : 011-24617832
Fax No. : 011-24646988
E-Mail id: : kchakravarthy@nhb.org.in
Alternate Central Public Information Officer:
Name : Shri Sanjeev Srivastava
Designation : Deputy General Manager
Contact Address :

National Housing Bank,
Core 5A, India Habitat Centre,
Lodhi Road ,
New Delhi – 110 003

Contact Phone No : 011-24682285
Fax No. : 011-24682285
E-Mail id: : sanjeevs@nhb.org.in
Further, the Bank has appointed following officer as Appellate Authority:


Sriram Kalyanaraman



Managing Director & CEO

Contact Address


National Housing Bank,
Core 5A, India Habitat Centre,
Lodhi Road,
New Delhi – 110 003

Contact Phone No



Fax No.




Designation of Transparency Officer under the Right to Information Act, 2005 in the National Housing Bank

In pursuance of the Central Information Commission’s directive dated November 15,2010 issued to all Public Authorities under the powers vested in the Central Information Commission under Section 19 (8) (a) of The Right to Information Act, 2005, Shri R. S. Garg, Executive Director is designated as the Transparency Officer.

The details of the Transparency Officer are as under:

Shri R. S. Garg
Executive Director 
National Housing Bank
Core 5A, India Habitat Centre
Lodhi Road
New Delhi 110 003
Telephone 24649043
E-Mail Id – rsgarg@nhb.org.in

Section 4(1)(b) of the Right to Information Act, 2005

Section 4(1)(b)

Information to be published under the Act


The particulars of the organisation, functions and duties


The powers and duties of its officers and employees


The procedure followed in the decision making process, including channels of supervision and accountability


Norms set by the Bank for the discharge of its functions


Rules, regulations, instructions, manuals and records, held by the Bank or under its control or used by its employees for discharging its functions


Statement of Categories of Documents that are held by the National Housing Bank or under its Control


Particulars of any arrangement that exists for consultation with, or representation by, the members of the public in relation to the formulation of its policy or implementation thereof


List of Boards, Councils, Committees and other bodies consisting of two or more persons constituted as its part or for the purpose of its advice, and as to whether meetings of those boards, councils, committees and other bodies are open to the public, or the minutes of such meetings are accessible for public


A directory of its officers and employees


Monthly remuneration received by its officers and employees, including the system of compensation as provided in its regulations


The budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursements made


The manner of execution of subsidy programmes, including the amounts allocated and the details and beneficiaries of such programmes


Particulars of recipients of concessions, permits or authorisations granted


Details in respect of the information, available to or held by it, reduced in an electronic form


The particulars of facilities available to citizens for obtaining information, including the working hours of a library or reading room, if maintained for public use


Names, designations and other particulars of Public Information Officers

Notice under Equal Remuneration Act 1976: Form D


Making an Application under the Right to Information Act, 2005

Citizens of India will have to make the request for information in writing, clearly specifying the information sought under the Right to Information Act, 2005. The application for request should give the contact details (postal address, telephone number, fax number, email address) so that the applicants can be contacted for clarifications if required. Since as per the Act, information can be furnished only to citizens of India , citizen status should be indicated as well.

The request for obtaining information under the Right to Information Act, 2005 needs to be accompanied by the requisite application fee by way of cash against proper receipt or by DD or bankers' cheque payable to NHB. The fee can also be paid into NHB's Bank Accounts, details of which are as under:

Current A/c No: 52142903844 maintained with State Bank of Hyderabad , Scope Complex, New Delhi.


Copyright © 2012 National Housing Bank