PNB Housing Finance Q2 FY27 Results: Profit Up 6% to ₹617 Crore, Loan Book Grows 19%
PNB Housing Finance reported Q2 FY27 PAT of ₹617 crore, up 6% YoY. Loan book grew 19% to ₹95,079 crore. Disbursements increased 60% YoY to ₹9,609 crore. GNPA improved to 0.91%. NIM was 3.67%. The company is focusing on high-yielding segments and technological advancements.
The results indicate strong financial performance and positive business growth, which are material to investors.
The company reported year-on-year growth in profit, loan book, and disbursements, along with an improvement in asset quality (GNPA).
PNB Housing Finance Limited announced its financial results for the quarter and half-year ended September 30, 2026. The company reported a Profit After Tax (PAT) of ₹617 crore for Q2 FY27, marking a 6% year-on-year increase from ₹582 crore in Q2 FY26. The overall loan book grew by 19% year-on-year to ₹95,079 crore as of September 30, 2026.
Disbursements saw a significant jump, scaling up 60% year-on-year to ₹9,609 crore in Q2 FY27 compared to ₹5,995 crore in Q2 FY26. The Asset Under Management (AUM) also grew by 17% year-on-year to ₹98,210 crore. The Gross Non-Performing Asset (GNPA) ratio improved to 0.91% from 0.95% in the previous quarter (Q1 FY27) and 1.04% in the same quarter last year (Q2 FY26). The Net Interest Margin (NIM) stood at 3.67% in Q2 FY27, an increase from 3.50% in Q1 FY27.
The company's strategy focuses on sustainable business growth, aiming for high-yielding portfolio growth by focusing on the Affordable and Emerging Markets segments. They also plan to reinitiate corporate lending with a disciplined risk management approach, capping exposure at under 10% of the total loan portfolio. PNB Housing Finance is also leveraging technology for a paperless journey across the loan cycle and AI pilots to drive productivity and efficiency. The company aims for consistent profitability through NIM optimization, cost efficiency, and superior asset quality.
What to do with a filing like this
PNB Housing Finance Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by PNB Housing Finance Limited. Read the original for the full detail.