PNB Housing Finance’s Girish Kousgi
With a restructured business model featuring three distinct verticals—prime, emerging markets, and affordable housing (Roshni)—PNBHF is now targeting high-yield, underpenetrated segments such as self-employed and informal-income borrowers. As the company doubles down on its branch-led expansion, tech-enabled underwriting, and digitised loan journeys, it is also witnessing strong traction in disbursements and profitability. Fortune India Latest