HDFC Bank sees tremendous potential in the educational loan segment and will be basing its focus its focus in the segment in the next years. The arena of focus was shared by Ms Renu Sud Karnad, Managing Director, Housing Development Finance Corporation (HDFC).

The bank will target this segment through Credila financial services which specializes in education loans. The bank has 41% stake in the organization.

"Credila is a tiny company today. But in the coming years, we want to push education loans through it. We see a good market for loans for college education. We want to use the HDFC expertise to see quick turnaround times," she said.

She denied any plans of HDFC going for a stake sale in HDFC Bank in the upcoming financial year.

HDFC has a stake of about 23% in HDFC Bank and a little less than 73% in HDFC Standard Life.

"As regards HDFC Bank, we would like not to dilute. We would like to stay where we are. That is why when the bank raises equity, we also put in our money," she said.

With SBI extending its teaser home loan season till April 30, HDFC bank has denied having any plans to follow suit. The bank had stopped its teaser loan scheme earlier in March this year and has no plans in the near future to come back with teaser home loans.