Mumbai, Dec. 3 -- PNB Housing Finance Ltd expects to grow its retail loan book to Rs.1 trillion by FY27, chief executive Girish Kousgi said on Tuesday, as the non-bank lender doubles down on the affordable housing segment in search of better profitability.

Of the Rs.1 trillion estimated portfolio, the mortgage lender plans to have about 15% in affordable housing loans, 25% to the emerging segment and the remaining 60% to prime customers. While the loan size in the affordable housing segment is Rs.13-14 lakh, the emerging and prime segments have ticket sizes of Rs.25 lakh and Rs.35 lakh, respectively.

Lenders classify borrowers on the basis of their credit scores and those at the top of the pyramid are termed super-prime while those a no...