PNB Housing Finance, a registered housing finance firm with the Nationwide Housing Financial institution (NHB), introduced its June quarter outcomes on July 21, reporting a internet revenue of ₹534 crore, marking a 23% YoY, helped by regular dwelling mortgage demand.
The corporate’s retail mortgage asset portfolio grew 18% YoY to ₹76,923 crore, with the reasonably priced and rising markets segments contributing 37% to the retail e book.
Inside retail, reasonably priced housing mortgage asset grew by a stellar 143% YoY to ₹5,744 crore, rising markets mortgage asset grew by 20% YoY to ₹22,701 crore, and the prime phase grew by 10% YoY to ₹48,478 crore. Whereas the corporate’s asset underneath administration (AUM) grew by 13% YoY and a pair of% QoQ to ₹82,100 crore as of thirtieth June 2025.
Its internet curiosity revenue rose by 17% YoY and 4% QoQ to ₹760 crore, whereas the web curiosity margin stood at 3.74% in Q1FY26, in comparison with 3.75% in Q4FY25 and three.65% in Q1FY25.
Gross margin, internet of acquisition price, got here in at 4.06% through the quarter. Its pre-provision working revenue elevated by 17% YoY, although it declined 2% QoQ to ₹632 crore.
Asset high quality continued to enhance, with gross non-performing property (GNPA) at 1.06%, in comparison with 1.35% a yr earlier and 1.08% as of March 31, 2025. Retail GNPA stood at 1.07% (vs. 1.39% in June 2024 and 1.09% in March 2025), whereas company GNPA remained at nil throughout all three durations.
Internet NPA was reported at 0.69% as of June 30, 2025, with Retail NNPA at 0.70%. The corporate achieved a return on property (RoA) of two.57% for Q1FY26 (annualized), barely greater than the two.55% reported for FY25. It additionally recovered ₹57 crore from the entire written-off pool through the quarter.
The capital to risk-weighted property ratio (CRAR) stood at 29.68% as of June 30, 2025, with Tier I capital at 28.96% and Tier II at 0.72%, in comparison with 29.50% a yr in the past, with Tier I at 28.43% and Tier II at 1.07%.
FY26 outlook stays on monitor, says administration
Commenting on the efficiency, Mr. Girish Kousgi, Managing Director & CEO, stated, “The corporate’s give attention to high-yielding enterprise led to 30% YoY disbursement development within the reasonably priced and rising markets phase through the quarter, contributing 50% within the retail disbursement.”
“Our asset high quality continues to enhance with GNPA of 1.06% as of June 30, 2025. Whereas sustaining a steadiness between development and profitability, our ROA stood at 2.57% annualized for FY 25-26. As we glance ahead, we’re assured of our skill to attain our acknowledged steerage for the fiscal yr,” he additional added.
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