Summary

The Board of Directors of PNB Housing Finance Limited approved the Consolidated Unaudited Financial Results for the quarter ended 31st December 2025. The Retail Loan Asset grew by 16% YoY to INR 81,931 crore, which is 99.7% of the Total Loan Asset. The Affordable and Emerging Markets segment grew by 31% YoY and contributes 39% to the Retail Loan Asset. The disbursement during Q3 FY26 grew by 16% YoY and 4% QoQ to INR 6,217 crore. Gross NPA stood at 1.04% as on 31st Dec 2025 as compared to 1.19 % as on 31st Dec 2024. Net profit increased by 7.7% YoY and declined by 10.5% QoQ to INR 520 crore.

Key Highlights

1. 1

   Retail Loan Asset grew by 16% YoY to INR 81,931 crore

2. 2

   Affordable and Emerging Markets segment grew by 31% YoY

3. 3

   Disbursement during Q3 FY26 grew by 16% YoY and 4% QoQ to INR 6,217 crore

4. 4

   Gross NPA stood at 1.04% as on 31st Dec 2025

5. 5

   Net profit increased by 7.7% YoY and declined by 10.5% QoQ to INR 520 crore