Powering ahead with purpose
At PNB Housing Finance, growth is not just a trajectory— it is a mission guided by purpose. In a dynamic and shifting environment,
our purpose is the North Star, aligning every decision, innovation, and outcome with clarity and conviction.
We are building a future where housing finance is more inclusive, accessible, and empowering. Our strategy is centred on deepening financial inclusion, fostering digital transformation, and upholding the highest standards of governance and trust. With a strong foundation and clear strategic vision, we are expanding our presence across diverse customer segments and geographies—unlocking opportunities for individuals and families across the socioeconomic spectrum.
Where performance
meets purpose
AUM
13%
Retail Loan Asset
18.2%
Net interest income
9.3%
Return on assets
35% bps
Capital adequacy ratio
12 bps
Operating profit
9.5%
Deposits
0.88%
Net profit
28.4%
Disbursements
25%
GNPA
42 bps
NNPA
26 bps
MESSAGE FROM THE MANAGING DIRECTOR & CEO
From resilience to growth
We began FY25 with a clear and ambitious goal - to grow our retail Loan asset by 17%. I am pleased to share that we surpassed this target, achieving robust 18.2% growth, with the retail Loan asset rising to ₹74,802 crore.
Girish Kousgi
Managing Director & CEO
Lift-off with purpose
Much like a rocket crafted with precision for a high-stakes
mission, PNB Housing Finance has launched into a new orbit—
powered by sound fundamentals, a clear strategic vision, and
committed leadership. This lift-off is not just about momentum
—it is about mission-driven progress with purpose.
Orbit of opportunity
With a solid foundation and accelerating momentum,
PNB Housing Finance has entered a high-growth 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.
Guided by the North Star
In the dynamic universe of financial services, purpose remains
our North Star— illuminating our path with clarity, conviction,
and a long-term view. At PNB Housing Finance, every decision
is anchored in our commitment to trust, governance and value creation.
Key Performance Indicators
Pushing limits,
setting benchmarks
*Retail segment contributed to 99.84% of the total loan disbursement in FY25, whereas corporate segment contributed to 0.16%.
**Retail segment contributed to 98.73% of the total Loan asset in FY25, whereas corporate segment contributed to 1.27%.
#Principal outstanding, including principle overdue
^Indicates dates as on 31st March
Strategy
Moving ahead with purpose
We have clear strategic priorities for the future— focused on scaling our retail presence, deepening inclusion, protecting asset quality and unlocking operating leverage through technology. With strong governance, disciplined execution, and purpose-led growth, we are building a resilient, future-ready housing finance institution.
Growing our retail loan asset, with a focus on emerging markets
Expanding our affordable loan portfolio in Tier 2 and 3 cities
Strengthening asset quality through robust underwriting and collections
Maintaining a well-diversified borrowing mix and adequate capitalisation
Improving return on assets (RoA) and return on equity (RoE)
Accelerating operational efficiency through digitalisation
Strengthening corporate governance to build a scalable institution
ESG Focus
Sustainability for people,
planet and prosperity
India's robust macroeconomic fundamentals and the growth trajectory of the housing sector align with our commitment to the vision of Viksit Bharat. As sustainability and ESG gain increasing importance amid evolving regulations and stakeholder expectations, we have reinvigorated our ESG approach with a sharper, more comprehensive focus. We continue to align with emerging national and global standards to drive responsible growth and long-term value creation.
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People
Planet
Prosperity
People
People first, always
Guided by our core value of 'People First', we believe that nurturing talent, building trust, and promoting an inclusive and empowering culture are fundamental to building a sustainable and high-performing organisation. In FY25, we continued to strengthen our people-centric approach, making PNB Housing Finance a workplace where employees feel valued, inspired, and equipped to thrive in a dynamic business environment.
Employees
Average employee age
Average employee tenure
Corporate Social Responsibility
Together for tomorrow
At PNB Housing Finance, our Corporate Social Responsibility (CSR) philosophy is deeply aligned with our identity as a housing finance institution. We believe that sustainable development is vital for building resilient communities, and our CSR initiatives are designed to address critical socio-economic challenges through focused, high-impact interventions.
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Governance
Rooted in responsibility
We remain steadfast in upholding the highest standards of transparency, integrity, and accountability. By constant strengthening of governance framework and consistent compliance, we safeguard stakeholders' interest and foster enduring trust across every level of the organisation.
Average age of
Board members
Average experience of
Board members
Average tenure
in the Company
AWARDS AND RECOGNITIONS
An award studded journey.
One shared spirit.
