PNB Housing Finance reported solid financial growth, driven by improved operational efficiency and expanding lending activity. Despite a slight compression in margins, the company strengthened asset quality, scaled its retail portfolio, and re-entered corporate lending, signaling a more balanced growth strategy.
Profit Performance
Metric
FY26 / Q4 Result
Previous Period
Growth
Q4 Net Profit
₹656 crore
₹500 crore
+19%
Full-Year Net Profit
₹2,291 crore
₹1,936 crore
+18%
Shareholder Returns
Item
Details
Proposed Dividend
₹8 per share
Face Value per Share
₹10
Applicable Period
Fiscal year ended March 31
Margins & Asset Quality
Metric
Current
Previous
Change
Net Interest Margin (Q4)
3.69%
3.75%
Slight decline
Gross NPA Ratio
0.93%
1.08%
Improved
Business Growth
Segment
Current Value
Growth
Assets Under Management (AUM)
₹90,921 crore
+13% YoY
Retail Loan Assets
₹86,946 crore
+16% YoY
Segment Highlights
Segment
Growth
Contribution
Affordable & Emerging Markets
+28% YoY
40% of retail loan assets
Lending Activity
Category
Amount
Notes
Retail Disbursements (Q4)
₹9,020 crore
Record high
Corporate Lending (Builders)
₹335 crore
Re-entry after ~4 years
PNB Housing Finance’s share price was trading 8.2% up Rs 981.75 in NSE at 11.10 AM (IST) on Tuesday.
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