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PNB Housing Finance Ltd

Finance - Housing

BSE Code 540173	ISIN Demat INE572E01012	Book Value 737.18	NSE Symbol PNBHOUSING	Div & Yield % 0.71	Market Cap (₹ Cr.) 29,210.04	P/E 12.43	EPS 90.13	Face Value 10

Particulars	Sep 2026	Jun 2026	Mar 2026	Dec 2025
	₹ Cr	₹ Cr	₹ Cr	₹ Cr
Operating Income	2,459.69	2,252.50	2,169.86	2,109.57
Total Income	2,460.94	2,255.37	2,160.41	2,111.75
Interest	1,414.98	1,339.03	1,246.37	1,253.13
Employee Expenses	109.96	107.87	102.59	106.01
Selling & Administrative Expenses	0.00	0.00	0.00	0.00
Impairment of Assets	0.00	0.00	0.00	0.00
Loss on Forex Transaction	0.00	0.00	0.00	0.00
Other Expenses	126.15	106.74	122.84	108.33
TOTAL OPERATING EXPENDITURE	1,651.09	1,553.64	1,471.80	1,467.47
Operating Profit Before Prov. & Cont.	809.85	701.73	688.61	644.28
Provisions & Write Offs	-47.56	-29.13	-176.21	-40.58
Depreciation	16.70	16.27	19.10	16.11
TOTAL EXPENDITURE	1,620.23	1,540.78	1,314.69	1,443.00
Tax	177.42	153.23	155.24	143.30
Fringe Benefit Tax	0.00	0.00	0.00	0.00
Deferred Tax	1.85	6.86	41.78	4.49
Reported Profit After Tax	661.44	554.50	648.70	520.96
Extra-ordinary Items	0.00	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	661.44	554.50	648.70	520.96

EPS (Unit Curr.)	25.37	21.28	24.90	20.00
EPS (Adj) (Unit Curr.)	25.37	21.28	24.90	20.00
Calculated EPS (Unit Curr.)	25.36	21.28	24.90	20.00
Calculated EPS (Adj) (Unit Curr.)	25.36	21.28	24.90	20.00
Calculated EPS (Ann.) (Unit Curr.)	101.45	85.11	99.59	79.99
Calculated EPS (Adj) (Ann.) (Unit Curr.)	101.45	85.11	99.59	79.99
Book Value (Unit Curr.)	0.00	0.00	738.00	710.00
Dividend (%)	0.00	0.00	0.00	0.00
Equity	260.80	260.59	260.55	260.51
Reserve & Surplus	0.00	0.00	0.00	0.00
Face Value	10.00	10.00	10.00	10.00

Public Shareholding (No. Of Shares)	0.00	0.00	0.00	0.00
Public Shareholding (% in Equity)	0.00	0.00	0.00	0.00

Pledged/Encumbered - No. of Shares	0.00	0.00	0.00	0.00
Pledged/Encumbered - % in Total Promoters Holding	0.00	0.00	0.00	0.00
Pledged/Encumbered - % in Total Equity	0.00	0.00	0.00	0.00

Non Encumbered - No. of Shares	0.00	0.00	0.00	0.00
Non Encumbered - % in Total Promoters Holding	0.00	0.00	0.00	0.00
Non Encumbered - % in Total Equity	0.00	0.00	0.00	0.00

PBIDTM(%)	92.39	91.89	97.30	91.87
PBDTM(%)	34.86	32.45	39.86	32.46
PATM(%)	26.89	24.62	29.90	24.70

Net Interest Income	0.00	0.00	0.00	0.00
Operating Expenses	0.00	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00	0.00
Assets Under Management	0.00	93,021.00	90,921.00	86,048.00

Return on Equity(%)	0.00	11.44	13.94	0.00
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00	0.00
Cost to Income Ratio	0.00	0.00	0.00	0.00
Loan Loss Provision Ratio	0.00	0.00	0.00	0.00
Loans Spreads(%)	0.00	2.12	2.12	2.22
Net Interest Margin(%)	0.00	3.50	3.69	3.63
Provision Coverage Ratio(%)	0.00	39.38	38.28	34.72
Capital Adequacy Ratio	0.00	28.26	27.26	29.46
Tier I Capital	0.00	27.87	26.89	28.92
Tier II Capital	0.00	0.39	0.37	0.54

Gross Non Performing Assets	0.00	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.00	0.95	0.93	1.04
(%) Net Non Performing Assets	0.00	0.58	0.57	0.68
Return on Assets(Annualised)	0.00	0.00	0.00	0.00
Return on Assets	0.00	2.37	2.89	2.40
Loans Disbursed(Amt Rs cr)	0.00	5,667.00	9,020.00	6,217.00
Loans Sanctioned/Approved(Amt Rs cr)	0.00	0.00	0.00	0.00
Loan Book(Amt Rs cr)	0.00	89,670.00	87,347.00	82,203.00
Dividend Per Share(Rs)	0.00	0.00	0.00	0.00
Diluted EPS	25.31	21.22	24.84	19.95

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