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PNB Housing Finance
PNB Housing Finance (PNBHOUSING) investor relations material
PNB Housing Finance Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary22 Jan, 2026
Executive summary
Retail loan book grew 16% YoY to INR 81,931 crore as of December 31, 2025, with Affordable and Emerging Markets segments comprising 39% of the retail book.
Retail disbursements increased 16% YoY to INR 6,217 crore, with Affordable and Emerging Markets contributing about 50%.
Pan-India presence with 358 branches, 79% focused on Affordable and Emerging Markets.
Un-audited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025, were approved and reviewed by the Board and Audit Committee on January 21, 2026.
Statutory auditors issued unmodified review reports for both standalone and consolidated results.
Financial highlights
Total loan book grew 14% YoY to INR 82,200 crore; retail loan book up 16% YoY.
Net interest income for Q3 was INR 772 crore, up 11% YoY.
Consolidated revenue from operations for Q3 FY26 was ₹2,119.02 crore, with total income at ₹2,120.66 crore.
Consolidated net profit after tax for Q3 FY26 was ₹520.35 crore, up from ₹483.27 crore in Q3 FY25.
Operating expenses rose 16.7% YoY to INR 240 crore, including a one-time labor code expense.
Outlook and guidance
Retail loan growth guidance maintained at 17%-18%, with higher focus on affordable and emerging segments.
NIM guidance remains at 3.6%-3.7%; ROA expected to be in the 2.5%-2.6% range.
Strategic focus on growing retail loan assets, especially in high-yielding Emerging Markets and Affordable segments.
Plans to maintain adequate capitalization and a diversified borrowing mix.
No deviations or variations in the use of funds raised through equity or non-convertible debentures during the quarter.
Strategy for 34.7% GNPA and 0.68% CRAR
Quantify Labour Code impact on gratuity liability
How is 1.09x NCD security cover maintained
New segments: target, yields, risk profile?
Affordable segment: Southern market recovery plan?
ROA stability: levers for credit cost normalization?
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Next PNB Housing Finance earnings date
Q4 25/2629 Apr, 2026
PNB Housing Finance
Next PNB Housing Finance earnings date
Q4 25/2629 Apr, 2026
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Frequently asked questions
PNB Housing Finance Limited (PNB Housing) is an Indian company specializing in housing finance. PNB Housing provides a range of financial services related to the housing sector, including loans to individuals and corporate bodies for construction, purchase, repair, and upgrade of houses. It also offers loans for commercial spaces and loans against property among other financial products. The company is headquartered in New Delhi, India.
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