PNB Housing Q4 PAT up 14.4% YoY, AUM crosses Rs 90,000 crore mark in FY26

PNB Housing Finance reported a 14.4% year-on-year rise in Q4 net profit to Rs 649 crore, with AUM crossing Rs 90,000 crore in FY26, driven by strong loan growth and disbursements.

Written by FE Bureau

April 20, 2026 23:34 IST

Improved asset quality, rising retail loan growth and stable margins supported PNB Housing Finance’s performance, with gross NPAs declining and disbursements surging 36% year-on-year.

PNB Housing Finance‘s net profit for the quarter ended March stood at Rs 649 crore, up 14.4% on year. On a consolidated basis, the net profit was up 19.2% on year to Rs 656 crore.

The net interest income rose 8.2% on year to Rs 796 crore in the quarter ended March. The revenue from operations inched up by 7% on year to Rs 2169.86 crore for the reporting quarter.

The company reported a loss of Rs 9.45 crore in its other income as compared to a gain of Rs 15.32 crore a year ago and Rs 2.2 crore a quarter ago. The net interest margin stood at 3.69% in Jan-Mar as against 3.63% a quarter ago.

AUM at end of FY26

By the end of FY26, the assets under management of the company stood at Rs 90,921 crore, up 13% on year. Loan assets were up 15.3% on year to Rs 87,347 crore as on March 31 and total disbursements for the reporting quarter increased by 36% on year to Rs 9,355 crore, including Rs 335 crore from the corporate lending segment.

Retail loan assets grew by 16% on year to Rs 86,946 crore as on March 31, and formed 99.5% of the total loan asset. During the quarter, cost of borrowing improved by 15 basis points (bps) sequentially to 7.35%.

The gross non-performing asset (NPA) ratio improved to 0.93% as against 1.04% a quarter ago and net NPA ratio stood at 0.57% as compared to 0.68% reported a quarter ago. The capital adequacy ratio of the bank stood at 27.26% as of March-end.

Recoveries from written-off pool of Rs 332 crore in FY26 resulted in a negative credit cost of -0.45%. The return on assets (ROA) improved by 10 bps on year to 2.66% and return on equity (ROE) improved by 54 bps on year to 12.73%.

The board has recommended a final dividend of Rs 8 per equity share of face value of Rs 10 each for the financial year ended March 31. On Monday, shares of PNB Housing Finance closed 1.8% lower at Rs 906.60 on NSE. The results were announced post market hours.

This article was first uploaded on April twenty, twenty twenty-six, at thirty-four minutes past eleven in the night.