"So we continue to monitor those deliverables that we have promised. And in that strategy, we have very clearly mentioned that we would be going for a retail-focussed organisation," Prasad said. According to PNB Housing Finance, retail is going to be its engine of growth and it will leverage expertise in mass housing and merchant category. In the affordable housing segment, the lender will grow its 'Unnati' portfolio, focussing on average ticket size of Rs 15 lakh. It will also strengthen the distribution network with increased presence in tier II and III cities. PNB Housing Finance saw a 5 per cent in its net profit at Rs 243 crore in the latest June quarter.