PNB Housing Finance

PNB Housing Finance Limited (PNBHFL) is a registered housing finance company with National Housing Bank (NHB). It was incorporated under the Companies Act, 1956 and commenced its operations on November 11, 1988. PNBHFL is a subsidiary of Punjab National Bank (PNB), which holds 51% of share capital in the Company.

In December, 2009, it entered into a strategic financial partnership with Destimoney Enterprises Private Limited (DEPL). In February 2015, DEPL’s majority shareholder Destimoney Enterprises Limited has sold its entire shareholding to Quality Investments Holdings, which is owned by Carlyle Group, a global investment firm.

With over two decades of specialised experience in housing finance, PNBHFL has a robust network of branches spread across the country which help its customers avail financial services (loans and deposits) seamlessly.

SME Loans By PNB Housing Finance

Loan for Real State Developer By PNB Housing Finance

Construction Finance or Project Finance is a unique offering under which PNBHFL directly finances real estate developers for projects they are developing. This product comes with customized offerings built around real estate developer’s project acquisition and construction cost basis a detailed evaluation of the project by PNBHFL.

Our focus in Construction Finance is primarily on financing residential projects which give fillip to retail mortgage business.

SME Loans By PNB Housing Finance

Overview :


We always strive for innovation to benefit our customers in as many ways possible. That's why we offer a rent securitization scheme wherein we provide loan against assured rental receivable from a property owned by you, which has been let out to a Bank, Multinational Company, AA* or AAA* Rated Corporate and Government/ Semi Government Undertakings.

Advantages of taking Non Home Loan from PNBHFL

Loan Against Property By PNB Housing Finance

Loan Against Property


At PNBHFL, we provide loans against mortgage of existing residential/commercial immovable property in our branch locations. End use of the loan may be towards expansion of business, foreign travel, personal requirements such as education, marriage of children, family function, medical expenses, furnishing of the house, buying high cost consumer durables, etc. However, funds should be used for only a legitimate purpose.

Advantages of taking Non Home Loan from PNBHFL