PNB Housing Finance has released its investor presentation for the quarter and half-year ended September 30, 2026. The company reported a 6% Year-on-Year growth in Profit After Tax (PAT) to INR 617 crore for Q2 FY27, compared to INR 582 crore in Q2 FY26. The presentation also highlights significant expansion in disbursements, loan book growth, and key strategic objectives for high-yielding portfolio growth and asset quality.
PNB Housing Finance Q2 FY27 Performance Highlights
PNB Housing Finance Limited has presented its performance for the quarter and half-year ended September 30, 2026. The company demonstrated robust growth across key financial metrics and operational areas.
Financial Performance
In the second quarter of FY27 (Q2 FY27), PNB Housing Finance recorded a 6% Year-on-Year increase in Profit After Tax (PAT), reaching INR 617 crore. This is a notable improvement from INR 582 crore reported in the corresponding quarter of the previous fiscal year (Q2 FY26). The Return on Assets (ROA) stood at 2.53% in Q2 FY27 (annualized), compared to 2.66% in FY26.
Business Metrics & Expansion
Disbursements saw a substantial scale-up, increasing by 60% Year-on-Year to INR 9,609 crore in Q2 FY27 from INR 5,995 crore in Q2 FY26. The overall loan book expanded by 19% Year-on-Year to INR 95,079 crore as of September 30, 2026. Furthermore, the corporate loan book experienced a significant increase of 107% Year-on-Year, reaching INR 689 crore by the same date.
Margins and Asset Quality
The company’s Net Interest Margin (NIM) was higher by 17 bps at 3.67% in Q2 FY27 compared to 3.50% in Q1 FY27. Asset quality metrics also showed improvement, with Gross Non-Performing Assets (GNPA) improving to 0.91% from 0.95% in Q1 FY27. PNB Housing Finance also recovered INR 75 crore in Q2 FY27 and INR 141 crore in H1 FY27 from its total written-off pool.
Strategic Objectives
PNB Housing Finance is focusing on several strategic objectives, including High Yielding Portfolio Growth by emphasizing the Affordable and Emerging Markets segments, and reinitiating corporate lending with disciplined risk management. The company is also committed to sustaining best-in-class asset quality, leveraging technology for enhanced efficiency through AI pilots, and driving consistent profitability via NIM optimization and cost efficiency.
Source: BSE
