New Delhi : PNB Housing Finance Limited reported a robust financial performance for the third quarter ended December 31, 2025 (Q3FY26). The company’s Profit After Tax (PAT) witnessed a 21% year-on-year increase, reaching ₹520 crore, driven by steady growth in the retail segment and improved operational margins.
Key Performance Highlights:
Loan Assets and Disbursements: The company's Asset Under Management (AUM) grew by 12% YoY to ₹78,414 crore. Total disbursements during the quarter stood at ₹5,176 crore, representing a 25% growth compared to the same period last year.
Significant NPA Reduction: Maintaining its focus on asset quality, the company brought down its Gross NPA ratio to 1.04% from 1.73% in Q3FY25. The Net NPA stood at 0.68%, marking one of the best asset quality levels in recent years.
Profitability Metrics: The Net Interest Income (NII) showed healthy growth, while the Net Profit Margin for the quarter was reported at 24.54%.
Segment Growth: The retail loan asset portfolio continues to dominate, contributing 98% of the total loan assets, with the Affordable housing segment showing a 15% sequential growth.
The management highlighted that the company’s strategic shift towards retail and affordable housing, combined with tightened credit controls, has positioned PNB Housing Finance for sustainable long-term growth.