SBI Home Finance (SBIHF) an SBI-affiliate was formed in 1987 to cater to the housing needs of the eastern and north-eastern region. It has extended its operations in the tribal states which were till now a forbidden land for housing finance activities because of the cumbersome land tenure system. Though initially taken up as a housing finance institution for the eastern and north-eastern region only SBIHF has graduated into a premier national housing finance company with seven regional and ten branch offices all over the country. SBIHF went public in Feb.'93 with its maiden issue to augment its long-term resources and to meet its working capital needs as well as to enhance its net owned fund...