To be a socially responsible and commercially sustainable housing Bank. To be the prime housing finance institution of the country for providing affordable housing to low and middle-income groups of the population by increasing housing stock in government, and encouraging new constructions in the Small & Medium Housing (SMH) sector.

Potential for Housing Finance Industry: Considering that 33% of the housing requirement of mortar and bricks (pucca) houses. And further considering an average construction cost of Rs.1 million. The annual investment in the construction and housing industry is around Rs.400 billion, for nearly 400,000 units. Therefore, the main issue remains of the construction material industry’s delivery capacity, and the housing finance industry will take up this challenge.