PNB Housing Finance Limited (PNBHFL) has announced a significant milestone by crossing ₹5,000 crore in its affordable housing loan book as of March 31, 2025. This achievement reflects the company’s dedication to promoting affordable homeownership and financial inclusion across India.

With a strong performance in the Affordable and Emerging Markets segments, the company’s retail loan book witnessed an 18% year-on-year (YoY) growth as of March 31, 2025. The total loan book of the company has now exceeded ₹75,000 crore, highlighting its steady expansion and commitment to making housing finance accessible to a wider customer base.

Key Growth Drivers

PNB Housing Finance’s CEO, Mr. Girish Kousgi, expressed enthusiasm over this achievement, stating that the company remains dedicated to its mission of "Housing for All." The remarkable growth in the affordable housing segment is backed by favorable market conditions, including:

1. Improved housing affordability driven by steady income growth and declining interest rates.

2. Rising urbanization and nuclear family trends increasing demand for affordable homes.

3. Government initiatives like PMAY 2.0 (Pradhan Mantri Awas Yojana), supporting housing finance for economically weaker sections and low-income groups.

PNB Housing Finance’s Vision for Growth

The company continues to expand its offerings across various segments, including Prime, Emerging Markets, and Affordable Housing, ensuring a diverse range of financial solutions for home buyers. The management believes that the strong momentum in the housing finance sector, coupled with its strategic initiatives, will further accelerate growth in the coming years.

Despite economic challenges, PNB Housing Finance remains confident in sustaining long-term growth, leveraging technology, digital lending solutions, and customer-focused financial products to enhance home loan accessibility.

Future Outlook

With a solid loan book and continued expansion in affordable housing, PNB Housing Finance is well-positioned to support India's growing housing needs. The company is expected to play a vital role in bridging the homeownership gap, catering to first-time home buyers and lower-income groups while driving sustainable business growth.

This milestone reflects PNB Housing Finance’s ongoing commitment to financial inclusion and customer-centric lending, ensuring more individuals and families can achieve their dream of homeownership.

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