PNB Housing Finance Limited has reported a consolidated Profit After Tax (PAT) of Rs. 557 crore for the quarter ended June 30, 2026, registering a 4 per cent year-on-year increase. The company’s loan portfolio and Assets Under Management (AUM) also recorded steady growth during the quarter.
Assets Under Management stood at Rs. 93,021 crore, reflecting 13 per cent year-on-year growth. Total loan assets increased 15 per cent to Rs. 89,670 crore, while the retail loan portfolio grew 16 per cent to Rs. 89,178 crore, accounting for 99.5 per cent of the total loan book.
The Affordable and Emerging Markets segment continued to drive growth, expanding 27 per cent year-on-year and contributing 41 per cent to the retail loan portfolio.
Overall disbursements stood at Rs. 5,882 crore, up 18 per cent year-on-year after accounting for the one-time impact of a change in disbursement recognition from cheque handover to cheque realisation.
Net Interest Income increased 6 per cent year-on-year to Rs. 803 crore, while Net Interest Margin (NIM) stood at 3.50 per cent. The company said the margin moderated sequentially due to increased leverage during the quarter and the true-up of the previous quarter’s reported NIM.
PNB Housing Finance maintained asset quality, with Gross Non-Performing Assets (GNPA) at 0.95 per cent, remaining below 1 per cent. During the quarter, the company recovered Rs. 67 crore from its written-off loan pool, resulting in a 12 basis point reduction in credit cost.
The company reported a spread of 2.12 per cent, while the cost of borrowing increased slightly to 7.36 per cent amid tighter liquidity and macroeconomic conditions. Operating expenses to Average Total Assets improved to 0.99 per cent from 1.08 per cent in the previous quarter.
Return on Assets (ROA) stood at 2.37 per cent, while Return on Equity (ROE) was 11.44 per cent during the quarter.
PNB Housing Finance expanded its distribution network with the addition of 12 branches, taking its total branch count to 404 as of June 30, 2026. The company also maintained a Capital Risk Adequacy Ratio of 28.26 per cent, with Tier I capital at 27.87 per cent.
Commenting on the performance, Ajai Shukla, Managing Director and Chief Executive Officer, PNB Housing Finance, said the company began FY27 with steady growth in AUM and retail lending, led by the Affordable and Emerging Markets segment. He said strong asset quality and recoveries supported profitability, while investments in digital transformation across sourcing, underwriting, servicing and collections continue to improve customer experience, operational efficiency and long-term growth.
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