PNB Housing Finance Limited — PPTs, 21-01-2026: Investor Presentation

PNB Housing Finance reported strong growth with Retail Loan Asset up 16% YoY to ₹81,931 Cr and Retail Disbursements also rising 16% YoY to ₹6,217 Cr for Q3 FY26. Return on Asset (ROA) stood at 2.57% for 9M FY26, with Gross NPA stable at 1.04% and Net NPA at 0.68%.

**Growth Drivers:** The company is strategically focused on expanding its high-yielding Affordable and Emerging Markets segments, which together form 39% of retail loan assets and contribute 50% of retail disbursements. Digital transformation is ongoing to boost operational efficiencies and productivity.

**Recent Developments:** PNB Housing recovered ₹49 Cr from written-off pools in Q3 FY26, totaling ₹165 Cr for 9M FY26. Technology initiatives are advancing digital onboarding, loan origination, and collection management.

**Key Financial Metrics:** Net Profit after Tax for Q3 FY26 was ₹521 Cr (up 8% YoY), and for 9M FY26, it reached ₹1,635 Cr (up 18% YoY). Basic EPS for 9M FY26 was ₹62.8.

**Management Outlook:** The focus remains on growing the retail loan book, particularly in Tier 2 and 3 cities, enhancing asset quality through robust underwriting and collections, and maintaining a diversified borrowing mix to improve profitability.