PNB Housing Finance Limited — PPTs, 20-04-2026: Investor Presentation

Here's a concise, retail-friendly summary:

1. **Business Performance:** PNB Housing Finance showed robust Q4 FY26 performance. Retail Loan Assets grew 16% YoY to INR 86,946 Cr, with Affordable & Emerging Markets (A&EM) making up 40% of the portfolio. Retail disbursements hit a record INR 9,020 Cr (up 32% YoY), while the branch network expanded to 393 locations.

2. **Growth Drivers or Strategy:** Strategy focuses on growing high-yielding A&EM loan assets in Tier 2/3 cities. Key drivers include enhancing asset quality via efficient underwriting/collections, diversifying borrowing to reduce costs, and boosting operational efficiency through digital initiatives.

3. **Recent Developments:** Recent tech advancements include the "Infinity" platform for digital onboarding, e-Sign & e-Stamp implementation, and Voice AI for enhanced customer engagement.

4. **Key Financial Metrics:** Gross NPA improved significantly to a milestone 0.93%. Net Profit After Tax for Q4 FY26 was INR 656 Cr (up 19% YoY), with ROA for FY26 at 2.66%. The company also recovered INR 167 Cr from written-off loans in Q4 FY26.

5. **Management Commentary / Outlook:** Management attributes growth to strong retail disbursements, asset expansion, and improved asset quality. A dividend of INR 8 per equity share for FY26 has been proposed, pending shareholder approval.