PNB Housing Finance
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About PNB Housing Finance

PNB Housing Finance is a trusted brand in the housing financing sector with more than three and a half decades of specialised experience in enabling dreams of home ownership for millions of Indians. The Company offers a range of home loans and related financial products, such as housing loans for individuals to purchase, construct, repair, and upgrade houses as well as loans for commercial spaces, loans against property, and loans for the purchase of residential plots.
Promoted by Punjab National Bank – India’s first Swadeshi bank, PNB Housing Finance is registered with National Housing Bank (NHB). We made our initial public offering (IPO) in November 2016, and our equity shares have been listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) since 7th November 2016.
With a focus on customer needs and a commitment to delivering value, PNB Housing Finance is a trusted provider of housing finance solutions. The Company excels in providing a complete bouquet of modern services to its customers across all products at competitive rate of interest coupled with features like online home loan application, personalized doorstep service, instant home loan e-approval, customized eligibility programs and many more.
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Change Company | Change Company | Change Company | ||
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Overall Rating | 3.8/5 based on 1k reviews | 3.9/5 based on 39.7k reviews | 4.0/5 based on 410 reviews | 3.7/5 based on 2.3k reviews |
Highly Rated for | No highly rated category | Job security Skill development | Job security Salary Skill development | No highly rated category |
Critically Rated for | No critically rated category | Promotions | No critically rated category | Promotions |
Primary Work Policy | Work from office 85% employees reported | Work from office 84% employees reported | Work from office 78% employees reported | Work from office 89% employees reported |
Rating by Women Employees | 3.8 Good rated by 131 women | 3.7 Good rated by 8.3k women | 4.1 Good rated by 68 women | 3.4 Average rated by 312 women |
Rating by Men Employees | 3.8 Good rated by 863 men | 3.9 Good rated by 29.4k men | 4.0 Good rated by 304 men | 3.8 Good rated by 1.8k men |
Job security | 3.7 Good | 4.0 Good | 4.0 Good | 3.4 Average |
PNB Housing Finance Salaries
Area Sales Manager
Branch Credit Manager
Relationship Officer
Customer Service Manager
Credit Manager
Branch Operation Executive
Senior Relationship Officer
Credit Processing Associate
Branch Business Head
Relationship Manager
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PNB Housing Finance News
PNB Housing Finance Can Rally 33% Driven By Affordable, EM Vertical, Says Nirmal Bang — Maintains 'Buy'
- PNB Housing Finance is confident of achieving a retail loan growth of ~17% in FY25, driven by affordable/emerging market segments.
- The company plans to increase the affordable housing segment from ~3% to ~15% of the loan book by FY27.
- To support this growth, PNB Housing Finance is expanding its branch network to 200 branches by Mar-25 and 300 branches by FY27.
- Nirmal Bang maintains a 'Buy' rating for PNB Housing Finance with an unchanged target price of Rs 1,100.

Thriving on Technology & Talent
- Girish Kousgi highlights PNB Housing Finance's significant growth in retail loans, focusing on affordable housing and emerging markets, contributing to 31% of total retail disbursements.
- Kalpesh Dave discusses Star Housing Finance's surge in Assets Under Management to Rs5.18 billion, emphasizing affordable housing finance for EWS and LIG segments.
- PNB Housing Finance expanded to 303 branches in 20 states in the last 12 months, with plans to reach 500 branches by FY27, prioritizing affordable and emerging segments.
- Star HFL extended to over 36 Points of Presence across 6 states, focusing on tier 2 & 3 cities, with plans to add new branches in southern and western India for future expansion.
- PNB Housing Finance raised substantial debt of Rs570.28 billion, diversifying sources like term loans, deposits, NCDs, and CPs, maintaining AA+ credit rating for market access.
- Star Housing Finance raised debt to Rs3.75 billion, diversified from public and private banks, NHB, and other sources, securing a credit rating of BBB/Stable for credibility.
- PNB Housing Finance implemented digital projects like Salesforce integration, RO Mobile App, 'One PNBHF' platform, and API journey with a 70+ member IT team driving initiatives.
- Star HFL expanded co-lending partnerships with Tata Capital, Home Capital, and Singularity, enhancing access to affordable housing finance in tier 2 & 3 cities.
- PNB Housing Finance employed over 2000+ employees, onboarded 886 new hires in FY24, utilizing AI in resume screening, chatbots, and onboarding processes for efficiency.
- Star HFL saw a workforce growth to over 300 employees, focusing on hiring in sales, credit, and collections functions, with emphasis on training and development.
Afterhour Passions
- Venkatesh N, MD, IIFL Samasta Finance, Sasidhar Thumuluri, MD & CEO, Sub-K IMPACT Solutions, Tanmay Chetan, Group CEO of Agora Microfinance Group, Unnikrishnan Janardanan, CEO, Navachetana MicroFin Services, Rahul Johri, Founder & Chairman, Vector Finance, Kamal Dang, MD, Ajivika Finance, Dr. Aqueel Khan, MD, Mitrata Inclusive Financial Services, and Vivek Tiwari, MD, SATYA MicroCapital, opened up about the interests and hobbies that enrich their lives
- Many of these industry leaders have a passion for travel, including Venkatesh N and Sasidhar Thumuluri, who gain invaluable insights into different cultures, while Unnikrishnan Janardanan prefers to read spiritual books to stay grounded and present
- Some of the leaders featured enjoy physical exercise, such as Murari Lal, who works out three times a week to stay fit and focused, and Aqueel Khan, who enjoys horse-riding
- Avid readers and continual learners include Sasidhar Thumuluri and Rahul Johri, who have a particular interest in non-fiction, while Tanmay Chetan likes to read and cook, and Unnikrishnan Janardanan reads spiritual literature
- Other hobbies showcased include Kamal Dang’s passion for listening to old music and parenting, while Rahul Johri is a collector of coins and stamps, and an animal lover
- Vishal Bhatia, CDO at Canara Bank, takes a mindful approach to the day, with early morning meditation and walks. He also enjoys spending time in nature and travelling with family
- Girish Kousgi, MD & CEO of PNB Housing Finance, loves good food, exploring new places and watching films to relax
- The personal pursuits of these leaders help them maintain balance by allowing them to integrate fun and relaxation into their demanding careers, resulting in more well-rounded decision-making skills and greater focus in their work
- These insights reveal that professional success isn’t just dictated by one's career, but also by what a person does in their spare time
- These leaders are proof that well-rounded personal fulfilment and professional growth are interconnected and essential in achieving true success
PNB Housing Finance's Growth Will Sustain On Strong Demand, Says CEO Girish Kousgi
- PNB Housing Finance reported a 43% rise in net profit to Rs 483 crore for the December quarter
- Despite challenges, PNB Housing Finance surpassed its annual guidance of 17% growth on the retail book
- Housing demand is set to remain strong, supported by growth in all segments
- PNB Housing Finance is expanding its branch network and focusing on affordable housing

PNB Housing Finance eyes ₹1 lakh crore retail book by March 2027: CEO Kousgi
- PNB Housing Finance aims to achieve a retail home loan book of ₹1 lakh crore by March 2027, according to its CEO Girish Kousgi.
- The company's current retail book stands at ₹70,767 crore and is growing at a rate of 17.5%.
- PNBHFL plans to allocate ₹15,000 crore to affordable housing, ₹25,000 crore to the emerging segment, and ₹60,000 crore to the prime book.
- The company expects to close the current fiscal year with a net profit of over ₹1,800 crore.

Q3 Results Today: Tata Tech, South Indian Bank, Cyient DLM Among 30+ Companies To Declare Quarterly Results
- 32 companies will declare their Q3 results today, including Tata Technologies, South Indian Bank, Cyient DLM, and more.
- Some other major companies announcing their earnings include KEI Industries, PNB Housing Finance, UCO Bank, Aditya Birla Real Estate, and more.
- Tata Technologies reported a 2.1% YoY increase in consolidated revenue, while net profit declined by 1.9% YoY.
- KEI Industries reported a 17% YoY increase in revenue and an 11% YoY increase in net profit for the quarter.

Trade Setup For Jan. 21: Nifty Tests 23,200 As Key Support
- The Nifty is poised for a critical session on Tuesday, with immediate support at 23,200 and resistance levels at 23,360 and 23,570.
- The index gained 142 points to close at 23,345, driven by strong global cues and robust third-quarter earnings.
- Broader markets also rebounded, with the Smallcap 50 and Midcap 50 indices recovering after heavy sell-offs.
- Key earnings to watch on Tuesday include ICICI Prudential Life Insurance Company Ltd., KEI Industries Ltd., Tata Technologies Ltd., and PNB Housing Finance Ltd.

NBFCs Q3 Results Preview — Motilal Oswal Lists Shriram Finance, PNB Housing Finance Among Others As Top Picks
- Motilal Oswal Financial Services has listed Shriram Finance and PNB Housing Finance as top picks for Q3 results in the NBFC sector.
- Demand and asset quality trends continue to remain weak for NBFCs, according to Motilal Oswal.
- Improvement in asset quality for Q3 has not materialized as expected.
- NDTV Profit's special research section provides quality equity and economy research reports from top brokerages and research agencies.

Motilal Oswal Maintains 'Buy' On PNB Housing Finance, Cites Improved Product Mix, Execution; Sees 38% Upside
- Motilal Oswal maintains a 'Buy' rating on PNB Housing Finance.
- The report cites improved product mix and execution as reasons for the favorable risk-reward profile.
- They expect a potential upside of 38% for long-term investors over the next three years.

PNB Housing Finance Aims To Grow Retail Book To Rs 1 lakh Crore By FY27, Says CEO
- PNB Housing Finance aims to diversify its loan book strategy, keeping profitability in mind.
- The company plans to grow its retail book by 17% on year and expand its loan book size to Rs 5,000 crore by the end of the current fiscal year.
- PNB Housing Finance plans to grow its retail loan book to Rs 1 lakh crore by fiscal 2027, with a focus on affordable housing and emerging market segments.
- The company also aims to add 200 branches in the affordable housing segment, create a separate vertical for loans against property, and restart its corporate loan book on a small scale.

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