NEW DELHI: PNB Housing Finance has announced an 18.34% increase in its net consolidated profit after tax (PAT) for the financial year 2025-26, reaching ₹2,291.24 crore compared to ₹1,936.14 crore in FY25, according to a BSE filing.
The company’s net consolidated total income grew by 10.58%, amounting to ₹8,505.04 crore in FY26, up from ₹7,691.63 crore in FY25.
In Q1 FY26, the company’s net consolidated total income was ₹2,171.91 crore, reflecting a 6.63% increase from ₹2,036.78 crore during the same period last year. Its PAT for Q4 FY26 was ₹655.80 crore, a 19.15% rise from ₹550.38 crore in Q4 FY25.
Ajai Shukla, Managing Director & CEO, stated, “We achieved significant growth in our retail loan portfolio while maintaining strong asset quality and profitability. Our disciplined approach to collections and portfolio management has improved our GNPA to below 1%.”
As of March 31, 2026, the company reported a net worth of ₹19,219.13 crore, with a debt-equity ratio of 3.70, a current liability ratio of 0.76, a net profit margin of 30.19%, gross non-performing assets (NPA) of 0.93%, and net NPA of 0.57%.
Assets under management (AUM) reached ₹90,921 crore in FY26, marking a 13% increase. The retail loan asset grew by 16% to ₹86,946 crore as of March 31, 2026, which accounts for 99.5% of the total loan asset.
The affordable and emerging markets segment saw a growth of 28%, contributing 40% to the retail loan asset. Overall disbursements in Q4 FY26 rose by 36% to ₹9,355 crore, including ₹335 crore from corporate lending. Retail disbursements amounted to ₹9,020 crore in Q4 FY26.
During the quarter, the spread decreased by 10 bps sequentially to 2.12% due to a 25 bps drop in yield to 9.47%, attributed to lower incremental yield compared to book yield. The cost of borrowing for Q4 FY26 improved by 15 bps to 7.35%.
Recoveries from a written-off pool of ₹332 crore in FY26 resulted in a negative credit cost of -0.45%. Return on assets (ROA) improved by 10 bps to 2.66%, while return on equity (ROE) increased by 54 bps to 12.73%.
The capital risk adequacy ratio (CRAR) stood at 27.26% as of March 31, 2026, with Tier I at 26.89%.
The board of directors has recommended a dividend of ₹8 for each equity share with a face value of ₹10 for FY26.
