PNB Housing Finance (PNBHF) announced its financial results for Q2 FY26 and H1 FY26, showcasing a Return on Assets (ROA) of 2.73% for Q2 FY26 (annualized) and 2.65% for H1 FY26. The company continues to focus on retail loan growth, particularly in the affordable and emerging markets segment. PNBHF’s collections efforts have improved asset quality, bringing Gross NPA to 1.04% and Net NPA to 0.69%.
Key Financial Highlights
PNB Housing Finance (PNBHF) reported robust financial performance for Q2 FY26 and H1 FY26, demonstrating its commitment to sustainable growth and efficient asset management.
- Return on Asset (ROA): 2.73% for Q2 FY26 (annualized).
- Return on Asset (ROA): 2.65% for H1 FY26.
Retail Loan Growth and Strategy
The company is strategically focusing on retail loan growth, particularly in the high-yielding emerging markets segment. Pan India presence through 356 locations. The disbursement growth in Emerging + Affordable Markets increased by 25%, contributing to 50% of total retail disbursements.
Asset Quality Improvements
PNBHF’s strong collections efforts have improved asset quality metrics:
- Gross NPA: 1.04% as of September 30, 2025.
- Net NPA: 0.69% as of September 30, 2025.
Corporate GNPA has been Nil since June 2024.
Borrowing and Liability Management
PNBHF is focused on diversified funding sources and efficient liability management. Their efforts aim to reduce the overall cost of borrowing, with a focus on:
- NHB (National Housing Bank) Refinance.
- ECB (External Commercial Borrowing).
- Debt Capital Markets.
Segment Performance
Affordable Housing Segment:
PNBHF is scaling up in the affordable segment, with the Loan Asset of INR 6,533 crore as on September 30, 2025.
Key Ratios
- Average Yield: 9.95% in Q2 FY26
- Cost of Borrowing: 7.69% in Q2 FY26
- Net Interest Margin (NIM): 3.67% in Q2 FY26
Shareholding and Governance
- The company’s Top 10 shareholders are listed in the presentation.
- The Board of Directors consists of highly experienced professionals.
- 100% BRSR Disclosures on Essential & Leadership Indicators
Source: BSE