NEW DELHI: PNB Housing Finance has reported a 25.30% increase in consolidated net profit for the quarter ending March 31, 2025. The profit after tax reached ₹550.38 crore in Q4 FY25, compared to ₹439.25 crore for the same quarter in the previous fiscal year, according to a BSE filing.
The company’s consolidated total income for Q4 FY25 amounted to ₹2,036.78 crore, reflecting a 12.28% growth from ₹1,813.97 crore during the same period last year.
Girish Kousgi, Managing Director & CEO, stated, “Our retail loan assets grew by 18.2% year-on-year, reaching ₹74,802 crore as of March 31, 2025, driven by growth in affordable and emerging market segments. The affordable segment’s loan assets surpassed ₹5,000 crore this year. Our emphasis on collections led to a reduction in Gross NPA to 1.08% as of March 31, 2025, down from 1.50% a year earlier. Thanks to robust business and financial performance, the Return on Assets (RoA) increased by 35 basis points to 2.55% for FY25.”
The board of directors has proposed a final dividend of ₹5 for every equity share of face value ₹10 for the financial year ending March 31, 2025.
As of March 31, 2025, the company reported a net worth of ₹16,863.13 crore, a debt-equity ratio of 3.70, total debts to total assets of 0.76, a net profit margin of 27.02%, with gross non-performing assets (NPAs) at 1.08% and net NPA at 0.69%.
The company’s disbursement rose by 25% year-on-year to ₹21,972 crore during FY25, with Q4 FY25 seeing a 23% year-on-year increase to ₹6,854 crore. The affordable and emerging market segments accounted for 40% of retail disbursements in Q4 FY25.
Loan assets grew by 16% year-on-year, reaching ₹75,765 crore as of March 31, 2025, while assets under management (AUM) increased by 13% year-on-year to ₹80,397 crore.
The company recovered ₹336 crore in FY25 from written-off accounts. The Capital Risk Adequacy Ratio (CRAR) was 29.38% as of March 31, 2025. The yield stood at 10.03% in Q4 FY25, down from 10.08% in Q4 FY24, while the cost of borrowing decreased to 7.84% in Q4 FY25 from 7.98% in Q4 FY24. The spread on loans improved to 2.19% in Q4 FY25 compared to 2.10% in Q4 FY24.
