| Metric | Value (₹ Cr) | vs Q4 FY25 |
|---|---|---|
| Revenue | 2.1K | 2.7% |
| Total Income | 2.1K | 2.2% |
| Expenditure | 1.4K | 5.2% |
| PBT | 687.92 | 3.3% |
| Net Profit | 533.50 | 3.1% |
| OPM | 93.02% | 0.39pp |
| NPM | 25.63% | 1.39pp |
| EPS | 20.52 | 3.1% |
PNB Housing Finance Q1 FY26 Results: Retail Loan Asset Grew by 18%, Profit After Tax at INR 534 Crore
21 Jul 2025 · 21 Jul 2025, 08:01 pm
Summary
PNB Housing Finance reported its Q1 FY2025-26 results with a 18% YoY growth in Retail Loan Asset and a Profit After Tax of INR 534 Crore. The company's Affordable and Emerging Markets segments form 37% of the Retail Loan Asset. The Affordable Housing segment Loan Asset stood at INR 5,744 crore as on 30th Jun 2024, registering 143% growth YoY. The Emerging markets segment Loan Asset stood at INR 22,701 crore as on 30th Jun 2024, registering 20% growth YoY. The company's gross NPA declined by 29 bps to 1.06% as on 30th June 2025.
Key Highlights
- 1
Retail Loan Asset grew by 18% YoY to INR 76,923 crore as on 30th Jun 2025
- 2
Affordable and Emerging Markets segments forms 37% of the Retail Loan Asset
- 3
Affordable Housing segment Loan Asset stood at INR 5,744 crore as on 30th Jun 2024, registering 143% growth YoY
- 4
Emerging markets segment Loan Asset stood at INR 22,701 crore as on 30th Jun 2024, registering 20% growth YoY
- 5
Retail disbursement grew by 14% YoY to INR 4,980 crore during Q1FY26
- 6
Gross NPA declined by 29 bps to 1.06% as on 30th June 2025
- 7
Profit after Tax for Q1FY26 is at INR 534 crore vs INR 433 crore registering an increase of 23% YoY
Management Comments
Mr. Girish Kousgi
Managing Director & CEO
The Company’s focus on high-yielding business led to 30% YoY disbursement growth in the Affordable and Emerging markets segment during the quarter contributing 50% in the retail disbursement. Our asset quality continues to improve with GNPA of 1.06 % as on June 30, 2025. While maintaining a balance between growth and profitability, our ROA stood at 2.57% annualised for FY 25-26. As we look forward, we are confident of our ability to achieve our stated guidance for the fiscal year.
Informational and educational content only. Not investment advice.