# PNB Housing targets micro loans, affordable housing for higher margins

2026-08-06T18:21:48+00:00 | Business & Economy | Indian Opinion Desk

Corroboration: 1 independent outlet

PNB Housing Finance is entering micro housing loans and small developer finance to lift loan spreads and profitability. The lender expects affordable and emerging businesses to rise from 41% of assets now to 45% by FY27 and 50% by FY28, Mint reports. Micro housing loans could earn 14-15%, against about 12% for affordable housing loans. The company is also financing small redevelopment projects in Delhi, Ahmedabad, Bengaluru and Hyderabad, with average loans of about Rs 25 crore. ETBFSI reports that affordable housing assets reached Rs 8,560 crore in June 2026, up 49% year on year. PNB Housing targets 18-20% overall asset growth in FY27 and expects margins to improve from Q2FY27. Its June-quarter net interest margin was 3.50%, down from 3.74% a year earlier.

## Coverage

- livemint.com <https://www.livemint.com/companies/news/pnb-housing-bets-on-micro-loans-small-developers-to-boost-margins-11786027236998.html>
- bfsi.economictimes.indiatimes.com <https://bfsi.economictimes.indiatimes.com/news/nbfc/affordable-housing-to-drive-pnb-housing-finances-fy27-growth-strategy/133018798>

Tags: developer finance, housing finance, micro housing loans, net interest margin, PNB Housing Finance
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