PNB Housing Finance reported strong financial results for the quarter and year ended March 31, 2026. The company achieved an all-time high in retail disbursements of INR 9,020 crore for Q4 FY26, a 32% YoY increase. With robust growth in retail loan assets and a significant milestone in asset quality as Gross NPA improved to 0.93%, the company continues to demonstrate solid operational performance and a commitment to sustainable value creation.
Financial and Operational Performance
During the fiscal year 2026, PNB Housing Finance demonstrated significant expansion and profitability. The company’s total loan assets grew to INR 87,347 crore, representing a 15% YoY increase. Retail loan assets specifically grew by 16% YoY to INR 86,946 crore, with the Affordable and Emerging Markets segments contributing 40% to the total portfolio.
Record Disbursements and Network Expansion
Q4 FY26 saw retail disbursements reach an all-time high of INR 9,020 crore, up 32% YoY. For the full year, retail disbursements reached INR 26,213 crore, a 19% YoY rise. This growth was supported by the strategic addition of 35 new branches, bringing the total network to 393 branches. Notably, the Affordable and Emerging Markets segments accounted for 80% of this branch network, highlighting the company’s focus on these high-potential areas.
Asset Quality Improvements
Asset quality showed robust improvement throughout the year. The company achieved a significant milestone with Gross NPA improving to 0.93%, crossing below the 1% threshold in Q4 FY26. Net NPA also improved to 0.57%. The focus on robust collections and recovery from written-off pools contributed to these results, with INR 167 crore recovered in Q4 FY26 and INR 332 crore recovered during the full fiscal year.
Digital Transformation
The company continued its digital transformation journey through its in-house sales enablement platform, “Infinity.” Innovations such as paperless, contactless onboarding using e-Stamp and e-Sign have led to significant improvements in operational efficiency and customer experience. These digital initiatives, combined with Voice AI capabilities, are driving productivity and supporting the company’s strategic objective to build a high-quality, scalable, and institutionalized housing finance company.
Shareholder Returns
Driven by strong performance, the Board of Directors has recommended a dividend of INR 8 per equity share for FY26, subject to approval by shareholders. This recommendation reflects the company’s commitment to delivering consistent value to its investors.
Source: BSE
