PNB Housing Finance Ltd has reported a 23.8 per cent year-on-year rise in net profit to Rs 582 crore for the quarter ended September 2025, supported by strong growth in its retail loan portfolio and improved asset quality. Retail loan assets grew 17 per cent year-on-year to Rs 79,439 crore, accounting for nearly 100 per cent of the company’s loan book.
Affordable and emerging market segments together contributed half of total retail disbursements, registering growth of 31 per cent and 23 per cent respectively. Disbursements rose 12.2 per cent year-on-year to Rs 5,995 crore during the quarter.
Gross NPA improved to 1.04 per cent from 1.24 per cent a year earlier, while return on assets stood at 2.73 per cent (annualised). Capital adequacy remained strong at 29.8 per cent.
Jatul Anand, Executive Director, PNB Housing Finance Ltd, said the company’s performance reflected disciplined pricing and a strong retail focus despite leadership transitions. He added that PNB Housing will continue expanding its affordable and emerging market footprint while maintaining high asset quality.
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