PNB Housing Finance Limited has informed the Exchange about Transcript
PNBHOUSING · price
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PNB Housing Finance reported Q1 FY26 results with retail loan book growing 18.1% YoY to INR 76,923 crores and total loan book at INR 77,732 crores. Profit after tax rose 23% YoY to INR 534 crores, with ROA at 2.57% (annualized) and ROE at 12.4%. Management upgraded its NIM guidance for FY26 to around 3.7% (from an earlier 3.6%-3.65%) and aims for 4%-4.1% over the medium term. The Affordable housing (Roshni) book more than doubled to INR 5,744 crores with 143% YoY growth, and 20 branches were reclassified from Prime to Emerging segments to chase higher yields. Asset quality remained strong with gross NPA at 1.06% (vs 1.35% a year ago) and negative credit cost of 27 bps thanks to INR 57 crore of recoveries from written-off pool.
Upgraded NIM guidance, strong Affordable segment momentum, and improving asset quality are positive signals for shareholders; management also indicated a possible credit rating upgrade in the next 4-5 quarters, which could further support the stock.