PNB Housing Finance Limited has announced its consolidated audited financial results for the quarter and financial year ended 31st March 2026, showcasing a significant growth in key performance metrics.
For the fourth quarter of FY26, the company reported a net profit of ₹656 crore, marking a 19% year-on-year increase from the ₹550 crore recorded in the same period last year. The net profit for the entire fiscal year rose by 18% to ₹2,291 crore, up from ₹1,936 crore in FY25.
The company’s loan assets grew by 15.3% to ₹87,347 crore as of March 31, 2026, compared to ₹75,765 crore a year earlier. Disbursements for the quarter surged by 36.5% to ₹9,355 crore, while the full-year disbursements increased by 20.8% to ₹26,548 crore.
PNB Housing’s net interest income for Q4 FY26 stood at ₹813 crore, a 10.8% increase from the ₹734 crore reported in Q4 FY25. The net interest margin for the quarter improved by 6 basis points to 3.69% compared to the previous quarter.
The company achieved a significant milestone with its assets under management surpassing ₹90,000 crore, reaching ₹90,921 crore, reflecting a 13% year-on-year growth. Retail loan assets grew by 16% year-on-year to ₹86,946 crore, accounting for 99.5% of the total loan assets.
The gross non-performing assets (GNPA) ratio improved to 0.93%, a reduction of 15 basis points from the previous year, indicating enhanced asset quality. The return on assets (ROA) improved by 10 basis points to 2.66%, and the return on equity (ROE) increased by 54 basis points to 12.73%.
The capital risk adequacy ratio stood at 27.26% as of March 31, 2026, with Tier I capital at 26.89%. The Board of Directors has recommended a dividend of ₹8 per equity share for FY26, subject to shareholder approval.
Commenting on the results, Ajai Shukla, Managing Director & CEO, highlighted the company’s resilient and balanced growth, emphasizing the strategic restart of corporate lending and the focus on technology to enhance operational efficiencies and customer experience.
Disclaimer: This article is based on a regulatory filing submitted to the National Stock Exchange of India (NSE).