PNB Housing Finance Limited (PNBHFL) is a leading housing finance company in India. It is promoted by Punjab National Bank, which holds a 32.79% stake, and the Carlyle Group, a global investment firm with over $260 billion of assets under management.

The company provides home loans to individuals as well as corporate entities for construction, purchase, repair or extension of homes. In addition to home loans, PNBHFL also offers loan against property and lease rental discounting products to its customers.

One of the key factors that sets PNB Housing Finance apart from its competitors is its focus on technology-driven solutions for customer convenience. The company has introduced several innovative digital initiatives such as online application processing, e-KYC verification, and video KYC services to streamline the loan approval process.

PNB Housing Finance has established strategic partnerships with various real estate developers and financial institutions to expand its reach and provide customised financing solutions to potential homeowners across India. These collaborations have enabled the company to offer attractive schemes like subvention plans and exclusive deals on properties affiliated with their partners.

In recent years, PNB Housing Finance has demonstrated consistent growth in its loan portfolio while maintaining robust asset quality metrics. The company's commitment towards customer satisfaction coupled with prudent risk management practices has helped it gain a strong foothold in the competitive housing finance market.