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9	9	* NPAs spiked to 6 percent of the gross advances by June 30, 2021, from 2.76 percent a year ago.
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13	13	[[image:PNBHOUSING0.jpg||height="257" width="613"]]
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45	45	* Unnati Home Loans
46	46	* Pradhan Mantri Awas Yojana
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49	49	**Non Home Loans**
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51	51	* Commercial Property Loan
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53	53	* Lease Rental Discounting
54	54	* Loan For Real Estate Developers
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57	57	**Fixed Deposit**
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104	104	== Lending Operations ==
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106		-n terms of business, retail segment accounted for 96% of disbursements, as compared to 92% the year before, resulting in retail segment to be 84% of its assets under management (AUM) as on March 31, 2021. The company optimised its branch network through merging branches and shifting them to a low-cost setting in Tier 2 and Tier 3 cities, thereby enabling it to increase its disbursements from these cities. The retail disbursements from Tier 2 and Tier 3 branches increased to 42% in FY 2019-20 as compared to 40.7% in FY 2019-20 resulting in increased share of retail assets under management (AUM) from Tier 2 and Tier 3 branches to around 37% as on March 31, 2021 from around 34% as on March 31, 2020. With focus on building granular book, the disbursements in less than Rs 2 crores ticket size reduced to 7% of the retail disbursements in FY 2020-21 from 13% in FY 2019-20. The company also tightened its lending norms and implemented a robust IT framework across the organisation, which optimised its operations significantly.
	103	+In terms of business, retail segment accounted for 96% of disbursements, as compared to 92% the year before, resulting in retail segment to be 84% of its assets under management (AUM) as on March 31, 2021. The company optimised its branch network through merging branches and shifting them to a low-cost setting in Tier 2 and Tier 3 cities, thereby enabling it to increase its disbursements from these cities. The retail disbursements from Tier 2 and Tier 3 branches increased to 42% in FY 2019-20 as compared to 40.7% in FY 2019-20 resulting in increased share of retail assets under management (AUM) from Tier 2 and Tier 3 branches to around 37% as on March 31, 2021 from around 34% as on March 31, 2020. With focus on building granular book, the disbursements in less than Rs 2 crores ticket size reduced to 7% of the retail disbursements in FY 2020-21 from 13% in FY 2019-20. The company also tightened its lending norms and implemented a robust IT framework across the organisation, which optimised its operations significantly.
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108	108	The company sanctioned 50,454 loan applications during FY 2020-21. The disbursements for FY 2020-21 stood at Rs 10,445 crores compared to Rs 18,626 crores for FY 2019-20. Assets under management (AUM) was at Rs 74,469 crores as on March 31, 2021.
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111	111	== Individual Housing Loans ==
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113	113	Owing to its increased focus on the retail segment and growing pie of the affordable housing segment, its average ticket size of the loan stood at Rs 27 lakhs as on March 31, 2021 against Rs 29 lakhs as on March 31, 2020 for Individual Housing Loan. Salaried customers accounted for 70% of the individual housing loans, while self-employed customers contributed 30%. The company's conservative approach towards underwriting and disbursement led to the Loan-to-Value (LTV) for individual housing loan at 72% as on March 31, 2021. The company continued its focus on financing ready properties, resulting in the share of the under-construction portfolio in the individual housing AUM declining from 19% as on March 31, 2020, to 17% as on March 31, 2021.