PNB Housing Finance Results: Board Announces Quarterly & Nine-Month Results!

PNB Housing Finance Limited demonstrated robust growth in Q3 FY2025-26, with the Retail Loan Asset expanding by 16 per cent year-on-year to reach Rs 81,931 crore. This segment now accounts for 99.7 per cent of the total loan assets, driven significantly by the Affordable and Emerging Markets segment, which grew by 31 per cent. Quarterly disbursements rose by 16 per cent year-on-year to Rs 6,217 crore, with the Affordable and Emerging Market segment contributing approximately 50 per cent of total retail disbursements. Despite a 10.5 per cent sequential decline, net profit increased by 7.7 per cent year-on-year to Rs 520 crore, while Net Interest Income saw a 10.9 per cent rise to reach Rs 772 crore.

The company’s asset quality improved significantly, with the Gross Non-Performing Assets (GNPA) ratio dropping to 1.04 per cent as of December 31, 2025, compared to 1.19 per cent the previous year. Net NPA was reported at 0.68 per cent and the corporate GNPA remained at nil. While the yield on loans moderated to 9.72 per cent, the cost of borrowing also decreased to 7.50 per cent, resulting in a spread of 2.22 per cent. The Net Interest Margin (NIM) remained healthy at 3.63 per cent for the quarter. Additionally, the company maintained a strong capital position with a Capital Risk Adequacy Ratio of 29.46 per cent, of which Tier I capital accounted for 28.92 per cent.

For the nine-month period ended December 31, 2025, the company’s performance remained strong, with net profit increasing by 18.0 per cent year-on-year to Rs 1,635 crore. The Return on Assets (ROA) improved by 9 basis points to reach 2.57 per cent (annualised), while the Return on Equity (ROE) stood at 12.31 per cent. PNB Housing Finance continues to expand its physical footprint, operating 358 branches, including 198 dedicated to the affordable housing segment. By managing credit costs at -33 basis points and successfully recovering Rs 49 crore from written-off pools in Q3, the company remains well-positioned for sustained value creation in the housing finance sector.

About PNB Housing Finance Limited

PNB Housing Finance Limited (NSE: PNBHOUSING, BSE: 540173) is promoted by Punjab National Bank and is a registered Housing Finance Company with the National Housing Bank (NHB). The Company got listed on the Indian stock exchanges on November 07, 2016. The Company’s asset base comprises primarily retail loans and corporate loans. The retail business focuses on the organised mass housing segment financing for the acquisition or Construction of houses. In addition, it also provides loans against properties and loans for the purchase & construction of non-residential premises. PNB Housing Finance is a deposit-taking Housing Finance Company.

Disclaimer: The article is for informational purposes only and not investment advice.