PNBHOUSING · PNB Housing Finance Ltd · Consumer Financial Services
PNBHOUSING · PNB Housing Finance Ltd · Consumer Financial Services
As of 12:00 pm IST (delayed)
52-week range
11.3% below 52-week high
52-week range: as of 06 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹2,263 Cr
Revenue YoY
PAT YoY
+4.5%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
1.6
P/S (TTM)
3.5
Sector P/E
25.4
Dividend yield
+0.7%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| PNBHOUSING (this stock) | 11.7 | 1.6 | +26.6% | +12.1% | 3.7 | +0.7% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
rising 1q
MF
33.62% (+2.51pp)
rising 3q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
- lowgurufocus.com· 29 Oct 2026, 01:30 amQ2 2027 PNB Housing Finance Ltd Earnings Call Transcript
- loweconomictimes.indiatimes.com· 21 Sept 2026, 03:31 pmSunil Singhania-backed Abakkus Flexi Cap Fund increases stake in Dixon Technologies, OFSS, 30 others in August
- loweconomictimes.indiatimes.com· 18 Sept 2026, 10:08 amPNB Housing Finance among 4 F&O stocks with a sharp rise in futures open interest - Futures Buildup
- loweconomictimes.indiatimes.com· 21 Aug 2026, 08:56 amPNB Housing Finance among 5 F&O stocks with a sharp rise in futures open interest - F&O Bets Build
- loweconomictimes.indiatimes.com· 17 Aug 2026, 02:16 pmSunil Singhania-backed Abakkus Flexi Cap Fund increases stake in RIL, Vedanta Power and 32 others
Concalls & investor presentations
AI-generatedKey takeaway: Management reported that PNB Housing Finance Limited began FY27 on a steady note, with disbursements recognized based on check realization rather than check handover, resulting in a 56% year-on-year growth on a comparable basis. The overall loan book grew by 15% year-on-year to INR 89,670 crores, with the retail loan portfolio increasing by 16%. Management highlighted strong demand in the Affordable and Emerging Markets segments, which are key growth drivers. The company facilitated over 7,000 subsidies under the PMAY 2.0 scheme. Asset quality remained strong, with gross NPA at 0.95%. Profit after tax grew by 4% year-on-year to INR 557 crores, with a capital adequacy ratio of 28.26%. Management maintained a full-year guidance of 18% to 20% overall book growth and 50% to 60% growth in the Affordable loan book.
Management emphasized strong growth and positive performance metrics.
Sourced from an exchange-filed transcript, dated 07 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation for PNB Housing Finance Limited for the quarter ended June 30, 2026, highlighted several key performance metrics. Disbursements increased by 56% year-over-year on a cheque handover basis, while the retail loan book grew by 16% year-over-year to INR 89,178 crore. The overall loan book also saw a 15% year-over-year increase. The presentation reported stable asset quality with a gross non-performing asset (GNPA) ratio of 0.95%. Profit after tax (PAT) rose by 4% year-over-year to INR 557 crore. Management emphasized a focus on high-yielding segments, including affordable and emerging markets, and outlined plans for technology integration to enhance operational efficiency. The document also detailed strategic objectives aimed at sustainable growth and profitability, alongside a commitment to maintaining robust asset quality and leveraging technology for improved customer experience.
Management emphasized growth and strategic initiatives to enhance performance.
Sourced from an exchange-filed presentation, dated 04 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: PNB Housing Finance Limited's investor presentation for the quarter and financial year ended March 31, 2026, highlighted several key performance metrics. Retail loan assets grew by 16% year-over-year to INR 86,946 crore, with retail disbursements reaching an all-time high of INR 9,020 crore in Q4 FY26, marking a 32% increase year-over-year. The corporate segment saw a revival with INR 335 crore disbursed in Q4 FY26. The company expanded its branch network to 393 locations, with 80% focused on affordable and emerging markets. Gross non-performing assets (GNPA) improved to 0.93%, achieving a significant milestone of below 1%. The return on assets (ROA) was reported at 2.66% for FY26. Management also noted a dividend of INR 8 per equity share, pending shareholder approval.
Management emphasized growth in retail loan assets and improved asset quality.
Sourced from an exchange-filed presentation, dated 20 Apr 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedPNB Housing Finance Limited reported a 18% YoY increase in net profit to ₹2,291 crore for FY2025-26, with operating profit rising 11% to ₹2,584 crore. Assets under management grew 13% to ₹90,921 crore, and retail loan assets increased 16% to ₹3,110 crore. The company's capital adequacy ratio declined 212 bps YoY to 27.26%, while net NPA decreased 12 bps to 0.57%. The company has no defaults in deposit repayments or interest payments, with deposits growing 2% to ₹18,055 crore. However, there are pending disputes related to income tax and GST demands, and the company has filed three insolvency applications with 10 cases pending under the Insolvency and Bankruptcy Code.
- Net profit increased 18% YoY to ₹2,291 crore.
- Assets under management grew 13% to ₹90,921 crore.
- Capital adequacy ratio declined 212 bps YoY to 27.26%.
- Deposits increased 2% to ₹18,055 crore with no defaults.
- Pending disputes include income tax and GST demands.
Key takeaway: PNB Housing Finance Limited shows strong financial performance with increased profits and assets, but faces risks from pending tax disputes and insolvency cases.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (2 items); Default / Covenant Breach (4 items); Investigation or enforcement mention (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
2 occurrencesRecent (last 12 months)
Punjab National Bank promoter was fined ₹3,35,000 by BSE Limited for non-closure of Vulnerability Assessment and Penetration Testing. Punjab National Bank was also fined ₹3,35,000 by NSE Limited for the same reason.
Earlier (1-3 years ago)
The company was fined by BSE and NSE for not having the requisite number of Independent Directors on its Board as on September 30, 2022, and for the period from October 1, 2022, till October 21, 2022.
Default / Covenant Breach
4 occurrencesRecent (last 12 months)
The company had overdue charges and interest on a legacy corporate account that were collected upon closure, accounted for in Q2 as a one-off event.
The company has disclosed delays or defaults in repayment of principal and/or payment of interest as at the balance sheet date, with details provided in Note 2.21 and Note 6.2 of the Standalone Financial Statements.
Earlier (1-3 years ago)
The company has breached covenants in the past, and there is a mention of potential debt recall by lenders due to covenant breaches, although no such recall has occurred yet.
The company has disclosed that there are loans with delays or defaults in repayment of principal and/or interest as of the balance sheet date, and these are accounted for in note 2.21 and note 6.2 of the Standalone Financial Statements.
Investigation or enforcement mention
1 occurrenceEarlier (1-3 years ago)
The company discovered a fraud of ₹1.97 crore committed by a customer through falsification of documents.
Routine disclosures
Internal Control Weakness
1 occurrenceRecent (last 12 months)
The auditor identified a risk of material misstatement in financial statements due to potential deficiencies in IT controls, leading to errors or unauthorized changes not being detected.
Contingent Liability
3 occurrencesRecent (last 12 months)
The Company has issued a corporate financial guarantee of ₹0.25 crore to the Unique Identification Authority of India (UIDAI) in relation to Aadhar Authentication Services.
Earlier (1-3 years ago)
The company has contingent liabilities of ₹54.54 crore related to disputed income tax and ₹43.70 crore related to disputed GST, with appeals filed. Additionally, there are unacknowledged claims of ₹0.48 crore and corporate financial guarantees of ₹0.25 crore issued to UIDAI.
The company has issued corporate financial guarantees amounting to ₹22.19 crore to National Stock Exchange of India Ltd and UNIQUE IDENTIFICATION AUTHORITY OF INDIA (UIDAI) for Rights Issue and Aadhar Authentication Services respectively.
Related-Party Transaction
3 occurrencesRecent (last 12 months)
The company has a related party transaction involving contributions to a trust controlled by the company in relation to CSR expenditure, specifically the Pehel Foundation.
Earlier (1-3 years ago)
The company engages in transactions with PNB Gilts Limited, a related party, including sale/purchase of securities and SGL account maintenance, which are expected to exceed SEBI's materiality thresholds. The company seeks shareholder approval to continue these transactions.
The company has material related party transactions with Punjab National Bank (PNB) exceeding 5% of annual consolidated turnover, requiring shareholder approval as per SEBI regulations.
Management & Board Governance
2 occurrencesRecent (last 12 months)
Mr. Girish Kousgi, Managing Director & CEO, resigned on 30th July 2025 and was relieved from services on 28th October 2025.
Earlier (1-3 years ago)
Mr. Kapil Modi, a Non-Executive Nominee Director, resigned effective 30th July, 2024.