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PNB Housing Finance (PNBHOUSING) investor relations material
PNB Housing Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary27 Oct, 2025
Executive summary
Achieved strong Q2 and H1 FY26 results with robust loan book growth, improved disbursements, and asset quality improvements, despite leadership transition challenges.
Retail loan book grew 17% year-on-year to INR 79,439 crore, with Affordable and Emerging Markets comprising 38% of the retail loan book.
Affordable and Emerging Markets segments led growth, with affordable housing loan book up 121% year-on-year to INR 6,531 crore and disbursements up 31%.
Gross NPA improved to 1.04% as of Q2 FY26, with strong recoveries and credit cost reversal.
Audited standalone and consolidated financial results for the quarter and half year ended September 30, 2025, were approved and published, with statutory auditors issuing unmodified opinions.
Financial highlights
Disbursements reached INR 5,995 crore in Q2, up 20% sequentially and 12% year-on-year; retail disbursements grew 12% year-over-year.
Net interest income grew 14% year-on-year to INR 765 crore; interest income for Q2 FY26 was ₹2,017 crore, up 13% year-over-year.
Net profit after tax rose 24% year-on-year to INR 582 crore in Q2 FY26; consolidated net profit after tax for Q2 FY26 was ₹581.59 crore.
Return on assets improved to 2.73% in Q2 FY26; return on equity at 13.14%.
NIM was 3.67% for Q2, slightly down from 3.74% in Q1.
Outlook and guidance
Loan book growth guidance maintained at 17-18% for FY26.
NIM expected to remain range-bound at 3.6%-3.7% for the rest of the year.
Strategic focus remains on growing retail loan assets, especially in high-yielding Affordable and Emerging Markets, with continued branch expansion in Tier 2 and 3 cities.
Emphasis on maintaining best-in-class asset quality and improving profitability metrics.
No deviations or variations in the use of funds raised through equity or non-convertible debentures; all proceeds were used as disclosed.
COVID-19 restructured loan reduction drivers?
Explain LCR difference: standalone vs consolidated.
Drivers of increased impairment reversal?
When will new CEO be announced?
Affordable segment NPA stabilization plan?
Corporate lending contribution to growth?
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Next PNB Housing Finance earnings date
Q3 25/2620 Jan, 2026
Next PNB Housing Finance earnings date
Q3 25/2620 Jan, 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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