NEW DELHI: PNB Housing Finance has reported a net consolidated profit growth of 7.71% for the quarter ending December 31, 2025. The profit after tax reached ₹520.55 crore in Q3 FY26, up from ₹483.27 crore in the same quarter of the previous financial year, as stated in a BSE filing.
The net consolidated total income for Q3 FY26 stood at ₹2,120.66 crore, reflecting a 9.14% increase from ₹1,943.11 crore recorded during the same period last year.
As of December 31, 2025, the company’s net worth was ₹18,502.28 crore. The debt-equity ratio was 3.63, total debts to total assets ratio stood at 0.76, with a net profit margin of 24.54%. Gross non-performing assets (NPAs) were 1.04%, and net NPA was 0.68%.
As of December 31, 2025, the retail loan asset has grown by 16% year-over-year, totaling ₹81,931 crore. The affordable and emerging market segments accounted for 39% of the retail loan asset. Retail disbursements also increased by 16% year-on-year, reaching ₹6,217 crore, with these segments contributing around 50% of the total retail disbursement.
In Q3 FY26, the company recovered ₹49 crore, adding up to ₹165 crore in the first nine months of FY26 from the total written-off pool. The average ticket sizes for individual housing loans and retail non-housing loans were ₹29 lakh and ₹25 lakh, respectively, as of December 31, 2025, according to the company’s investor presentation.
Disbursements for Q3 FY26 grew by 15.6% year-on-year, amounting to ₹6,217 crore. Loan assets increased by 14.3% year-on-year, totaling ₹82,203 crore as of December 31, 2025. Additionally, assets under management (AUM) rose by 12% year-on-year to reach ₹86,048 crore as of the same date.
