PNB Housing Finance Ltd

The transcript does not explicitly mention any specific ongoing or planned new fundraising through debt or equity. Key related points include: - The company is managing incremental cost of funds around 7.8% with expectations to maintain or reduce costs due to rating upgrades and borrowing mix improvements. - Mention of ECBs and NCDs issued starting Q2 for diversifying borrowing sources. - The focus is on growing the loan book and expanding branches rather than announcing fresh capital raising. - Cost of funds is expected to remain steady or show a downward trajectory; no direct mention of new fundraises. - Corporate business restart will be less than 10% of portfolio with ticket sizes around Rs. 200 crores. - No clear guidance on equity fundraising or fresh large-scale debt issuances revealed in the discussion. Hence, as per the available call transcript, there is no direct indication of immediate or future new fundraising through debt or equity.

- The company plans minor investment in 40-50 branches every year, managing expansion through economies of scale in other businesses (Page 24). - Technology and digital transformation investments continue with upgrading key platforms like CRM, Dialer, LOS, website, and deposit systems (Page 13-14). - Focus on building data analytics capabilities including setting up a vast data lake for integrated analytics (Page 14). - Investment in creating underwriting automation through digitization of underwriting rules using a robust rule engine (Page 14). - Increasing internal tech skills around cloud, mobility, engineering, performance engineering, tech monitoring, and information security in line with emerging cyber threats (Page 14). - Sales enablement technology such as sales mobile apps and automation tools already implemented and ongoing (Page 14). - No specific large capex spends mentioned currently; emphasis is on controlled branch expansion and technology-enabled scale.

- Affordable segment ("Roshni" business) targets an AUM of Rs. 15,000 crores by FY27, with robust monthly disbursement growth reaching Rs. 275 crores in September 2024. - Branch expansion continues with potential to add 150 more branches, focusing on Tier-2 to Tier-4 cities balancing volume and yield. - Average disbursement per Affordable branch expected to peak around Rs. 3.5 crores per month after 12-15 months of operation. - Sales productivity is strong: 900 frontline sales staff in Affordable segment achieve ~Rs. 20-25 lakhs disbursement per employee monthly, with 70% of business generated in-house. - Incremental yields improved, reaching around 12% in Affordable; yields and disbursement volumes expected to grow steadily. - Corporate business restarting with focus on construction finance, ticket size around Rs. 200 crores, and capped at under 10% of overall portfolio, expected to add yield and margin gradually. - Technology and data-driven initiatives aim to further enhance sales enablement and operational efficiency, supporting growth.

- The company targets a strong growth trajectory with overall PAT growing 23% YoY to Rs. 470 crores in Q2 FY25. - Retail segment operating profit (pre-provision) grew 16.4% YoY in Q2. - Loan book growth: Affordable segment “Roshni” aims to reach Rs. 15,000 crores by FY27 with rapid scale (crossed Rs. 3,000 crores in 22 months). - Affordable disbursements grew 68.5% YoY; emerging and prime segments also showing yield improvement. - NIM guidance maintained at a threshold of 3.5%; expected to improve post 2-3 quarters with yield improvements across segments. - Return on Assets at 2.54% (Q2 annualized) and Return on Equity at 12.42% indicate efficiency improvement. - Cost of borrowing expected to decline or remain stable, supporting margin expansion. - Corporate business will contribute less than 10% of portfolio, focusing on safer construction finance with ~12%-12.25% yields. - Incremental yields expected to stabilize around 13% in Affordable segment, protecting margins. Overall, earnings and profitability are projected to grow steadily with margin expansion and disciplined credit costs.

The provided transcript and presentation excerpts from PNB Housing Finance Limited's Q2 & H1 FY'24-25 results call do not mention "Current/Expected Orderbook" or "Pending Orders." The focus is primarily on loan book growth, branch expansion, employee and sales team structure, yield expectations, credit quality, and strategic initiatives in Affordable, Prime, and Emerging market segments. No specific data or commentary on orderbook or pending orders is available in the provided pages (up to 26). If you need information on loan book status or disbursements, I can provide that. Please clarify if you want details on loan pipelines or other business metrics instead.