We are an overcapitalised company but our spread is improving: Sanjaya Gupta, PNB Housing Finance

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About us. With over two decades of experience in housing finance, PNB Housing has a robust network of branches spread across the country which help its customers avail financial services seamlessly. pnb housing enables people to realize their dream of owning a home by providing competitive and easily accessible home loans.

Speakingon the occasion, Mr. Sanjaya Gupta, Managing Director, PNB Housing Finance Limited, said, "Real-estate boom has played a key role in the development of some of the world’s most promising economies. India also showcases the same potential by virtue of being one of the largest construction industries in the world.

 · With majority of Investments behind us, we expect the operating leverage to play out. We expect that, over medium term, our Cost to Income ratio will be inching towards the Industry average (FY16-17.2%). At PNB Housing we continue to thrive to maintain our GNPA lower than the industry average (31st March 2016-0.87%).

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The Reserve Bank of India’s move to maintain status quo on key policy rates on Tuesday was on expected lines, say real estate developers and experts, while urging banks to pass on the benefits of earlier rate cuts to consumers.The apex bank, in its fifth bi-monthly policy review of this financial year, kept the repo rate, or the rate at which it lends to commercial banks, at 6.75% and cash.

Speaking on the occasion, Mr. Sanjaya Gupta said, "Business expansion is an important element for PNB Housing to carry on the growth momentum and it is essential that we stand closer to where.

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(a) The expansion is Residuary Non-Banking Company (b) its principal business is to receiving of deposits, under any scheme or arrangement and not being investment, Asset Financing Loan Company (c) T o secure the interest of depositor such companies are required to invest in a portfolio comprising of highly liquid and secured instrument (d) All the above 620.

This was the largest ever IPO by a Housing Finance Company/NBFC in India and the largest primary fund raise in this calendar year. We are pleased to inform you that our half yearly results have been in line with our expectations. The infusion of equity in the Company will allow us to spread our branch network & grow our Loan Book.