PNB Housing Finance Limited — Investor Meet, 27-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

PNB Housing Finance's Q3FY26 saw its retail loan book grow 16% year-on-year to INR 81,931 crore, with the total loan book reaching INR 82,203 crore. Affordable and Emerging segments now form 39% of the retail book, targeting 45-50%. Gross NPA improved to 1.04%. Net Interest Margin stood at 3.63%, with management guiding for 3.6-3.7%. Return on Assets was 2.57% for 9M FY26. Overall retail disbursements grew 16% year-on-year. The company plans to introduce Construction Finance and Emerging Developer Finance to enhance yields. Challenges in southern markets temporarily impacted affordable disbursements, but recovery is anticipated in Q4 FY26. Management expresses confidence in sustaining profitability.