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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
PNB Housing Finance
PNB Housing Finance (PNBHOUSING) investor relations material
PNB Housing Finance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary28 Oct, 2026
Executive summary
Q2 FY27 disbursements rose 60% YoY to INR 9,609 crore, including INR 838 crore of pool buyouts; retail disbursements reached a record INR 9,250 crore, up 54%.
Loan book grew 19% YoY to INR 95,079 crore; GNPA improved to 0.91% and NNPA to 0.55%.
Q2 consolidated PAT was ₹616.55 crore, up from ₹581.59 crore YoY; CRISIL upgraded the credit rating to AAA with a stable outlook, completing AAA ratings from four leading domestic agencies.
Strategy prioritizes higher-yield Affordable and Emerging Markets, disciplined corporate lending, asset quality, digital efficiency and sustainable profitability.
Financial highlights
Q2 total income was INR 2,293 crore (+13% YoY); net interest income was INR 878 crore (+15%) and net total income INR 1,009 crore (+17%).
PPOP rose 16% YoY to INR 749 crore; Q2 consolidated PAT was ₹616.55 crore and basic EPS ₹23.65, versus ₹22.34 YoY.
H1 FY27 PAT was ₹1,173.89 crore versus ₹1,115.09 crore; disbursements rose 42% to INR 15,638 crore, including INR 986 crore of pool buyouts.
Operating expenses rose 20% YoY to INR 260 crore, including investment in affordable-vertical manpower; OpEx/ATA remained 1.03%.
Outlook and guidance
FY27 loan-book growth guidance remains 18%-20%; management said current 19% growth should improve and stated the aim is not to de-grow. Normalized ROA guidance remains 2.4%.
From Nov. 1, proposed rate increases are 10-15 bps for retail and 15-20 bps for corporate lending; management expects the NIM effect to be broadly neutral to positive.
After normalization, credit cost is expected at 10-12 bps; management expects spreads to improve, with NIM gains potentially partly offset by higher leverage.
Priorities include expanding Affordable and Emerging Markets, maintaining disciplined corporate lending below ~10% of the loan portfolio, and pursuing NIM optimization, cost efficiency and paperless lending.
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Latest events from PNB Housing Finance
- Strong Q1 growth, robust asset quality, and full fund utilization set up for improved H2 margins.PNBHOUSING
Q1 26/27 - Retail loan assets up 16% YoY, GNPA at 0.93%, and robust profit growth with strong compliance.PNBHOUSINGQ4 25/26
- Retail loan book up 16% YoY, stable asset quality, and Q3 FY26 net profit over ₹520 crore.PNBHOUSINGQ3 25/26
- Loan book up 17% YoY, GNPA at 1.04%, and net profit after tax up 24% in Q2 FY26.PNBHOUSINGQ2 25/26
- Loan book up 18.1% YoY, GNPA at 1.06%, net profit up 23%, NIM guidance raised to 3.7%.PNBHOUSINGQ1 25/26
- Q2 FY25 delivered 28% YoY retail disbursement growth, higher profit, and improved asset quality.PNBHOUSINGQ2 24/25
- Retail disbursement up 19% YoY, PAT up 25% to INR 433 crore, GNPA at 1.35%, ROA at 2.38%.PNBHOUSINGQ1 24/25
- Retail and affordable loans grew strongly, with higher profits, stable margins, and improved asset quality.PNBHOUSINGQ4 24/25
- Retail loan book up 17.5% YoY, disbursements up 31%, and PAT up 43% with strong asset quality.PNBHOUSINGQ3 24/25
Next PNB Housing Finance earnings date
Q3 26/2721 Jan, 2027
PNB Housing Finance
Next PNB Housing Finance earnings date
Q3 26/2721 Jan, 2027
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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.