News ArticlePNB Housing Finance Reports 19% Growth in Loan Assets and All-Time High Retail Disbursements in Q2 FY27
Net Profit Climbs 6% YoY to INR 617 crore; Asset Quality Improves with GNPA at 0.91% as of September 2026
PNB Housing Finance Limited reported a 19% year-on-year increase in loan assets to INR 95,079 crore for Q2 FY27. The company achieved record retail disbursements of INR 9,250 crore, marking a 54% growth. Net profit rose 6% YoY to INR 617 crore, with improved asset quality and net interest margins expanding to 3.67%.
PNB Housing Finance Limited
General / Other
PNB Housing Finance Limited announced a 19% year-on-year growth in loan assets to INR 95,079 crore for the quarter ended September 30, 2026. The company delivered record retail disbursements of INR 9,250 crore and posted a net profit of INR 617 crore, reflecting a 6% increase year-on-year.
The company’s asset base, or Assets Under Management, reached INR 98,210 crore, growing 17% year-on-year. Retail loan assets grew by 19% to INR 94,391 crore, driven by strong performance in Affordable and Emerging Markets segments, which increased 45% and 22% respectively and together accounted for 41% of retail loans.
Total loan disbursements stood at INR 9,609 crore for Q2 FY27, a 60% increase from the previous year. Retail disbursements hit an all-time high of INR 9,250 crore, up 54% year-on-year. Corporate disbursements were INR 360 crore during this period.
Asset quality measures improved with Gross Non-Performing Assets (GNPA) at 0.91%, down 13 basis points year-on-year. The company recovered INR 75 crore from written-off loans, resulting in a credit cost of -19 basis points for the quarter.
Profitability increased, with net interest income rising 9% quarter-on-quarter to INR 878 crore and net interest margin expanding by 17 basis points to 3.67%. The company reported a return on assets (ROA) of 2.53% and return on equity (ROE) of 12.33%.
PNB Housing Finance maintained a strong capital position with a Capital Adequacy Ratio of 27.03% as of September 30, 2026, including a Tier 1 capital ratio of 26.62%. The branch network consisted of 404 branches nationwide.
Highlights
- Loan assets increased 19% year-on-year to INR 95,079 crore as of September 30, 2026.
- Retail disbursements rose 54% to a record INR 9,250 crore in Q2 FY27.
- Net profit for Q2 FY27 was INR 617 crore, up 6% year-on-year.
- Gross Non-Performing Assets improved to 0.91%, down 13 basis points year-on-year.
- Net Interest Margin rose by 17 basis points quarter-on-quarter to 3.67%.
- Capital Adequacy Ratio remained solid at 27.03%.
Key Data Snapshot
Financial performance
- Loan assets grew 19% year-on-year to INR 95,079 crore in Q2 FY27.
- Net interest income increased by 9% quarter-on-quarter to INR 878 crore.
- Net profit increased 6% year-on-year to INR 617 crore.
- Net interest margin expanded by 17 basis points quarter-on-quarter to 3.67%.
- Return on assets stood at 2.53%, and return on equity at 12.33%.
Operational performance
- Retail disbursements reached a record INR 9,250 crore, showing 54% growth year-on-year.
- Affordable housing and Emerging Markets segments grew 45% and 22% year-on-year, contributing 41% to retail loan assets.
- The company operates 404 branches across India as of September 30, 2026.
Business impact
- Gross Non-Performing Assets improved to 0.91%, down 13 basis points year-on-year, indicating strengthened asset quality.
- Company recovered INR 75 crore from previously written off loans during the quarter.
- Capital adequacy ratio remains strong at 27.03%, supporting financial stability.
Regulatory and governance context
- PNB Housing Finance Limited is a registered Housing Finance Company with the National Housing Bank (NHB).
- The company complies with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 for timely disclosure of financial results.
Highlights
- Loan assets increased 19% year-on-year to INR 95,079 crore as of September 30, 2026.
- Retail disbursements rose 54% to a record INR 9,250 crore in Q2 FY27.
- Net profit for Q2 FY27 was INR 617 crore, up 6% year-on-year.
- Gross Non-Performing Assets improved to 0.91%, down 13 basis points year-on-year.
- Net Interest Margin rose by 17 basis points quarter-on-quarter to 3.67%.
- Capital Adequacy Ratio remained solid at 27.03%.
Disclosures
- SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
Promoted by Punjab National Bank
More News on General / Other
View allLatest corporate announcements and market updates in General / Other.
Ambuja Cements Posts Rs 9,197 Cr Revenue with 16.5 MnT Cement Sales in Q2 FY27, Trade and Premium Mix Advance
Ambuja Cements Limited reported consolidated cement sales of 16.5 million tonnes and revenue from operations of Rs 9,197 crore for the quarter ended September 30, 2026. The company grew trade volumes by 8.6% year-on-year with premium products rising to 37% of trade sales, and maintained an EBITDA margin of 13.8%.
Read Full Story
APAR Industries Reports Rs 914.80 Crore Half-Year Profit and USD 100 Million Investment Approval in Singapore Subsidiary
APAR Industries Limited released its un-audited financial results for the second quarter and half-year ended September 30, 2026, reporting a consolidated profit after tax of Rs 914.80 crore for the half-year. The Board also approved a capital investment of up to USD 100 million in its wholly owned Singapore subsidiary, Petroleum Specialties Pte Ltd.
Read Full Story
Union Bank of India Notifies Investors of Special Window for Physical Shares Transfer Requests Relodgement
Union Bank of India has announced a special window for the relodgement of transfer requests of physical shares to better serve investors and shareholders.
Read Full Story
