Orbit of opportunity

Orbit of
opportunity

With a solid foundation and accelerating momentum, PNB Housing Finance has entered a highgrowth orbit—firmly centered on customer needs, digital innovation, and inclusive, responsible lending. Our trajectory is aligned with India’s development agenda, and we are committed to making homeownership more accessible, efficient, and secure.

Expanding access through responsible lending

As a proud partner in the national vision of Housing for All, we are actively participating in the revamped PMAY subsidy scheme in collaboration with MoHUA and NHB. By March 2025, we mobilised over 5,500 eligible beneficiaries worth `750+ crore— helping first-time homeowners realise their dreams.

Digitally driven. Customer first.

We continue to modernise our digital backbone through Salesforce CRM, analytics-led decision-making, and cloud-based infrastructure. These enhancements have enabled automation of over 16% of service requests, while improving our collection efficiency and strengthening risk controls.

Our technology stack has also been fortified with AI/ML-enabled cybersecurity protocols, ensuring resilience, scalability, and data security.

From seamless digital onboarding and centralised processing to faster documentation and customised service delivery, we are empowering a wider spectrum of customers, including those beyond the salaried class to own a home with confidence and ease.