PNB Housing Finance Limited — Investor Meet, 31-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

PNB Housing Finance reported a strong Q1 FY26, with PAT up 23% to ₹534 crore and ROA at 2.57%. The retail loan book grew 18.1% to ₹76,923 crore. Strategic focus shifts to high-yielding Affordable and Emerging segments, which saw robust disbursement growth (30% and 32% YoY). Prime segment growth was moderated to protect margins. Gross NPA improved to 1.06%, aided by recoveries. NIM remained stable at 3.74%, with a FY26 outlook of ~3.7%. The company aims for long-term ROA of 2.5% and mid-teen ROE, confident in its growth trajectory and asset quality management.