PNB Housing Finance Q4FY26 Earnings Call Transcript Released
PNB Housing Finance reported Q4 FY26 results with a 36% YoY disbursement growth to ₹9,355 crore and a 16% YoY retail loan book growth to ₹86,946 crore. GNPA improved to 0.93%. PAT rose 18% YoY to ₹2,291 crore. For FY27, loan book growth is projected at 18-20%, targeting over ₹1 lakh crore.
The announcement details significant financial results, key performance indicators, strategic priorities, and future guidance, which are material for investors and stakeholders.
The company reported strong financial performance with growth in loan book and disbursements, improved asset quality (GNPA below 1%), and increased profitability (PAT up 18%). Positive guidance for the next fiscal year also contributes to the positive sentiment.
PNB Housing Finance Limited has released the transcript of its earnings conference call held on April 21, 2026, discussing the audited financial results for the quarter and financial year ended March 31, 2026. The call featured insights from MD & CEO Mr. Ajai Kumar Shukla and CFO Mr. Vinay Gupta.
During the fiscal year 2026, PNB Housing Finance reported strong and balanced growth despite market pricing pressures. The retail loan book expanded by 16% year-on-year to ₹86,946 crore, with the total loan book reaching ₹87,347 crore as of March 31, 2026. The company saw a significant increase in disbursements during Q4 FY26, growing by 36% year-on-year to ₹9,355 crore. The affordable and emerging market segments now constitute 40% of the retail loan asset, up from 37% in the previous year.
The company facilitated 5,000 subsidies under PMAY and restarted its corporate segment with disbursements of ₹335 crore in Q4 FY26. Digital transformation efforts included the launch of the 'infinity' application for a fully digitized, paperless workflow, aiming to reduce turnaround times and operating costs. AI-enabled solutions are being deployed across the loan processing lifecycle.
Asset quality improved significantly, with Gross Non-Performing Assets (GNPA) falling below 1% to 0.93% as of March 31, 2026. Recoveries from written-off pools amounted to ₹332 crore for the full year FY26, resulting in a negative credit cost of 45 basis points. The net interest margin improved by 6 basis points sequentially to 3.69% in Q4 FY26.
Profitability saw a substantial increase, with Profit After Tax (PAT) growing by 18% year-on-year to ₹2,291 crore for FY26, leading to an ROA of 2.66% and ROE of 12.73%. The Board of Directors recommended a dividend of ₹8 per equity share for FY26.
For FY 2026-27, PNB Housing Finance has guided for the loan book to cross ₹1 lakh crore, with retail loan book projected to grow between 18% to 20%. NIM is expected to be in the range of 3.55% to 3.65%, with ROA projected between 2.4% to 2.5%. The company plans to focus on expanding its lending reach, improving customer service through digital platforms, and enhancing the productivity of its existing distribution network. The company also indicated plans to introduce micro housing and Micro LAP products in Q1 FY27.
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