PNB Housing Finance Limited has reported an impressive 18% year-on-year (YoY) growth in its Retail segment, reinforcing its strong position in India’s housing finance sector. This growth has resulted in the company’s total loan book surpassing ₹75,000 crore as of March 31, 2025.

One of the key highlights of this expansion is the Affordable Housing segment, which grew significantly to ₹5,000 crore, reflecting PNB Housing Finance’s commitment to providing accessible homeownership solutions.

CEO’s Statement on Performance

Girish Kousgi, Managing Director and CEO of PNB Housing Finance, expressed confidence in the company’s trajectory, stating:

“The 18% growth in our Retail segment and a total loan book exceeding ₹75,000 crore demonstrate our ability to meet the evolving needs of homebuyers. Our focus on affordable housing, now at ₹5,000 crore, aligns with the government’s ‘Housing for All’ mission and strengthens our commitment to accessibility.”

Factors Driving PNB Housing Finance’s Growth

The company's strong performance is supported by several key industry trends, including:

• Rapid urbanization: More people are moving to urban areas, increasing housing demand.

• Enhanced affordability: Competitive interest rates and rising disposable incomes have encouraged more homebuyers.

• Government initiatives: Policies like Pradhan Mantri Awas Yojana (PMAY) 2.0 have bolstered demand for affordable housing loans.

Diverse Product Offerings Strengthen Market Presence

PNB Housing Finance offers a well-diversified portfolio, catering to multiple market segments:

1. Prime Housing Loans – Home loans for salaried and self-employed individuals.

2. Emerging Markets Segment – Customized loan solutions for mid-income borrowers.

3. Affordable Housing Loans – Focused on financial inclusion and government-backed schemes.

Stock Market Performance

The market responded positively to PNB Housing Finance’s strong financial growth.

• The stock rose 5.4% on Wednesday, closing at ₹920.00 per share.

• Investor confidence in the company’s growth strategy and sectoral tailwinds contributed to the surge.

PNB Housing Finance’s Industry Position

• Registered with the National Housing Bank (NHB), PNB Housing Finance has been a key player since its listing on the Indian stock exchanges in November 2016.

• Backed by Punjab National Bank, the company has steadily expanded its footprint in both urban and semi-urban markets.

Future Outlook

Looking ahead, PNB Housing Finance aims to sustain its growth momentum by:

• Expanding affordable housing loans to serve a broader customer base.

• Leveraging technology for digital lending solutions, making home loans more accessible.

• Aligning with government policies to boost homeownership across India.

With strong financial growth, a rising loan book, and increasing investor confidence, PNB Housing Finance is well-positioned to capitalize on India’s booming housing market.

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