PNB Housing Finance Q4FY26 Results: Loan Assets Grow 16% YoY to ₹87,347 Crore, GNPA Below 1%
PNB Housing Finance reported Q4 FY26 results with Retail Loan Assets growing 16% YoY to ₹87,347 crore. Retail disbursements surged 32% YoY to ₹9,020 crore in Q4 FY26. Gross NPA improved to 0.93%, below 1%. The company is focusing on retail loan growth, especially in affordable and emerging markets, and leveraging digitization.
The announcement details robust financial performance, including record disbursements and improved asset quality, which are key metrics for financial institutions. The strategic focus on growth segments and digital initiatives indicates a strong future trajectory, impacting investor confidence and the company's market position.
The company reported strong growth in loan assets and disbursements, coupled with a significant improvement in asset quality (GNPA below 1%). Strategic focus on growth segments and technological advancements further contribute to a positive outlook.
PNB Housing Finance Limited announced its investor presentation for the quarter and financial year ended March 31, 2026. The company reported a 16% year-on-year growth in Retail Loan Assets, which touched ₹86,946 crore. Retail disbursements reached an all-time high of ₹9,020 crore in Q4 FY26, a 32% YoY increase, and ₹26,213 crore for the full fiscal year, up 19% YoY.
The company has successfully revived its Corporate segment, disbursing ₹335 crore in Q4 FY26. The branch network expanded by 35 locations to 393 branches, with a focus on the Affordable and Emerging Markets segments. Asset quality saw significant improvement, with Gross NPA reducing to 0.93% in Q4 FY26, achieving the milestone of being below 1%.
Net Interest Margin (NIM) stood at 3.69% for Q4 FY26, an improvement from 3.63% in Q3 FY26. The Cost of Borrowing improved to 7.35% from 7.50% in the previous quarter. The company also recovered ₹167 crore in Q4 FY26 from its total written-off pool.
PNB Housing Finance is strategically focusing on growing its Retail Loan Asset, particularly in the high-yielding Emerging Markets segment, and expanding its Affordable Loan Asset in Tier 2 and Tier 3 cities. The company is leveraging digitization to improve operational efficiencies and maintain a well-diversified borrowing mix to reduce the cost of borrowing.
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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.
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See the model portfoliosA plain-language summary of a public exchange filing by PNB Housing Finance Limited. Read the original for the full detail.