Corporate Profile
PNB HOUSING
One of India’s fastest growing housing finance companies, fifth largest in terms of assets managed and second largest in terms of size of deposits
1,609 employees fifth largest in drive us through their skill, talent and relentless focus on excellence
102 branches and 23 hubs in 62 unique cities bring us closer to customers
~75% of our corporate social responsibility (CSR) spend is directed towards empowering construction workers and their families
We have been recognised as a Great Place To Work two years in a row
ISO-certified central operations with four delivery/processing units represent our backbone
>60% of our asset customers have migrated to digital platforms
Our portfolio quality remains robust with one of the lowest gross non-performing assets at 0.48% of the loan assets
A well-defined, strong and scalable unique operating model helps us strategically extend our reach to connect with the farthest customer
Core values
People first
Customer-centric
Ethical standards
Product portfolio
Housing loans
Loans to individuals for purchase of homes and residential plots, as well as construction, repair, improvements and extension of homes and loans to real estate developers for residential construction
Non-housing loans
Loans availed against property, loans for non-residential premises, lease rental discounting and corporate term loans
Fixed deposits
Safe investment options with attractive interest rates and rated AAA by credit rating agencies
Key loan profile
Resource profile
Access to diverse funding base (%)
Credit rating
Fixed deposits
- CARE – AAA
- CRISIL – FAAA with stable outlook
Bonds/non-convertible debentures
- CARE – AAA
- India Ratings (Fitch Group) – IND AA+ with stable outlook
- CRISIL – AA+ with stable outlook
- ICRA – AA+
Bank term loans
- CARE – AAA
- CRISIL – AA+ with stable outlook
Commercial paper
- CARE – A1+
- CRISIL – A1+
Relationships
with multiple
lending partners
investors