PNB Housing Finance Reports 19% Surge in Q4 Profit, Driven by Enhanced Operating Efficiency

PNB Housing Finance Reports 19 Percent Surge in Net Profit for March Quarter

PNB Housing Finance, a non-banking financial company, has reported a significant improvement in its financial performance for the March quarter. According to the company's latest disclosure, net profit surged by 19 percent to Rs 656 crore, compared to Rs 550 crore in the previous corresponding period.

The company's operating leverage showed a healthy improvement, contributing to the surge in net profit. Additionally, PNB Housing Finance announced a quarterly dividend of Rs 8 per share, having a face value of Rs 10 for FY26.

However, the net interest margin (NIM) dipped by six basis points (bps) to 3.69 percent for the quarter, as compared to 3.75 percent in Q4FY25. Despite this, the gross non-performing assets ratio improved to 0.93 per cent from 1.08 per cent a year earlier.

Key Highlights of PNB Housing Finance's March Quarter Performance

| Category | Q4FY26 | Q4FY25 | Change | | --- | --- | --- | --- | | Net Profit | Rs 656 crore | Rs 550 crore | 19% | | Net Interest Margin | 3.69% | 3.75% | -6bps | | Gross Non-Performing Assets Ratio | 0.93% | 1.08% | -0.15% | | Retail Loan Assets | Rs 86,946 crore | - | 16% YoY growth |

PNB Housing Finance posted a healthy loan growth, with its retail loan asset growing by 16 percent on a year-on-year basis to Rs 86,946 crore as on 31st March 2026. This represents 99.5% of the total loan assets. The company also expanded its presence in the affordable and emerging markets segment, which rose 28 percent on an annual basis.

The assets under management (AUM) reached Rs 90,921 crore as of FY26, reflecting a 13% growth from FY25. The company posted a revenue of Rs 813 crore in the March quarter, as against Rs 734 crore in the previous corresponding quarter.