| Retail Housing Finance | Home loans, loan against property and residential plots for salaried and self-employed individuals. | Pan-India presence, strong brand backed by Punjab National Bank, robust underwriting and collection, and digital capabilities. | Primarily B2C, serving individuals across income segments with focus on affordable housing. | Affordable and emerging market segments due to higher yields and customer base expansion. | 7500 | 97 | Interest income from housing finance loans and processing fees. | Loan interest rates based on risk profile with tiered pricing and digital processing for efficiency. | Strong demand in affordable and emerging markets segments, digital onboarding, and branch network expansion. | Affordable Housing Loans, Emerging Markets Loans, Prime Segment Loans |
| Corporate Housing Finance | Loans for commercial properties and corporate housing finance solutions. | Strong risk management and relationships fostered through parent bank connections. | B2B clients including developers and corporate entities. | N/A due to declining share and risk optimization efforts. | 250 | 3 | Interest income and fees from corporate loans. | Customized loan pricing and structured financing agreements. | Selective lending and focus on risk-adjusted returns leading to reduced corporate portfolio. | |
