About the Company
Fulfilling millions of aspirations
With over three and a half decades of experience, PNB Housing Finance is India’s third-largest housing finance company by loan asset, committed to offering tailored solutions to millions of customers nationwide. To cater to diverse customer segments, we introduced Roshni, a dedicated offering for the affordable housing finance sector, providing specialised services to meet the unique needs of this important and growing market. Further, from the beginning of FY25, we also carved out separate segment termed emerging markets to cater to tier 2 and 3 cities. Our portfolio includes retail housing and non-housing loans for prime customers, emerging market loans and affordable housing loans.
We are registered with the National Housing Bank and promoted by Punjab National Bank. Our wholly-owned subsidiary, PHFL Home Loans and Services Limited, acts as our in-house sales and distribution channel.
The Company at a glance
35+
Years of operating history
₹65,358 crore
Loan book
₹71,243 crore
AUM
5,00,000+
Active loan and deposit accounts
300
Branches/outreaches
14,000+
Active channel partners
Punjab National Bank
Promoter with 28.1% holding
5,500+
Employees (PNBHFL and PHFL)
Helping realise dreams
I always wanted to fulfil my dream of owning a house. My friend had told me that I could take a loan from PNB Housing Finance to build my house. My experience of loan processing with PNB Housing has been very good. I didn’t have any problems with the paperwork, and I got the money from time to time whenever required after loan processing. There was no problem, and my job was done. Thanks to PNB Housing, I built my house and will advise my friends to take a loan from PNB Housing.
Mr. Sugan Singh, Jaipur
After my younger brother got married 3-4 years ago, our house started feeling small. When we found a good house, I found PNB Housing Finance better than others in the market. I took a loan from another bank, but transferred it to PNB Housing due to their superior services. The best part is their easy-to-use app. PNB Housing processed the filing in a single day, and after a few days, I received the final approval. Just like me, I want PNB Housing to help others as well.
Mr. Govind Karyani, Jaipur
My parents are very happy since I purchased a house. When we decided to buy a new flat, a friend told me to get a loan from PNB Housing Finance. They treated us affectionately and were very cooperative. When the loan was successful, it felt good. There was no hassle. PNB Housing gives the best guidance. Now that I have bought my house, I am confident of getting married and moving into the next phase of life.
Krushna Jadhav, Bhiwandi
For more than 30 years, we lived in a rented place. All my relatives were in their own houses which made me feel upset on several occasions. Our family friend made us sign up for the PNB Housing Roshni Scheme and we became eligible for the loan. The staff treated us well and made the job easy; we only needed to sign the papers, which greatly satisfied us. I want to thank PNB Housing Finance.
Ms. Bharthi, Chennai