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PNB Housing Finance Ltd.

FinanceFinance - Housing

www.pnbhousing.com BSE: 540173NSE: PNBHOUSING

₹1,131.95BSE0.83%

16 Sep, 4:01 PM

₹1,131.95

₹29.52K Cr

12.75

1.50

12.74%

₹1,151.00

₹1,128.00

₹1,210.80

₹730.00

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Price Performance

Peer Comparison

Name
BAJAJHFL BAJAJHFL	83.00	663.48	69,158.38	0.00					7.09
PIRAMALFIN PIRAMALFIN	2,207.10	30.89	52,226.67	0.50	460.98	66.80%	3,368.27	27.62%	7.74
HUDCO HUDCO	169.70	7.98	33,972.24	3.57	851.11	35.05%	3,717.17	26.55%	8.41
LIC HOUS.FIN LICHSGFIN	542.15	5.20	29,821.67	1.84	1,499.03	9.90%	7,082.59	-1.44%	8.59
PNB Housing Finance Ltd. PNBHOUSING	1,131.95	12.75	29,521.70	0.71	557.34	4.47%	2,263.44	9.02%	9.41
AADHARHFC AADHARHFC	458.60	17.63	20,096.16	0.00	282.36	19.00%	992.89	17.06%	11.31
SAMMAANCAP SAMMAANCAP	142.20		16,560.00	0.00	243.30	-27.22%	1,651.93	-31.18%	-4.70
APTUS APTUS	240.90	12.25	12,065.00	1.87	260.94	19.01%	600.29	15.38%	15.45

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,823.06	1,878.68	1,941.76	2,021.85	2,076.11	2,127.86	2,119.02	2,181.53	2,263.44
Expenses	167.62	142.58	155.16	133.21	144.88	87.59	183.20	52.04	191.93
	1,655.44	1,736.10	1,786.60	1,888.64	1,931.23	2,040.27	1,935.82	2,129.49	2,071.51
	90.81%	92.41%	92.01%	93.41%	93.02%	95.88%	91.35%	97.61%	91.52%
	9.02	0.98	1.35	14.93	5.76	2.74	1.64	-9.62	1.92
Interest	1,096.93	1,118.50	1,157.92	1,178.05	1,234.37	1,266.97	1,252.82	1,246.08	1,338.63
	13.35	13.85	14.38	14.31	14.70	16.40	16.20	19.18	16.36
	554.18	604.73	615.65	711.21	687.92	759.64	668.44	854.61	718.44
	21.90%	22.33%	21.50%	22.61%	22.45%	23.44%	22.15%	23.26%	22.42%
	432.81	469.68	483.27	550.38	533.50	581.59	520.35	655.80	557.34
	16.66	18.08	18.60	21.17	20.51	22.33	19.97	25.17	21.39

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	6,195.93	6,527.33	7,050.08	7,665.35	8,504.52
Operating Income (Net)	6,195.93	6,527.33	7,050.08	7,665.35	8,504.52
EXPENDITURE :
Employee Cost	216.61	265.96	337.34	421.47	486.70
Operating & Establishment Expenses	66.69	84.94	131.35	142.95	150.42
Administrations & Other Expenses	106.76	108.57	125.76	161.63	173.16
Provisions and Contingencies	608.97	1,883.98	377.77	195.77	43.15
	999.03	2,343.45	972.22	921.82	853.43
Operating Profit (Excl OI)	5,196.90	4,183.88	6,077.86	6,743.53	7,651.09
	5.31	1,128.43	190.28	349.89	397.16
	5,202.21	5,312.31	6,268.14	7,093.42	8,048.25
Interest	4,064.86	3,899.96	4,263.05	4,551.76	5,011.16
	53.39	51.44	51.19	55.89	66.48
Profit Before Taxation & Exceptional Items	1,083.96	1,360.91	1,953.90	2,485.77	2,970.61
	1,083.96	1,360.91	1,953.90	2,485.77	2,970.61
Provision for Tax	247.48	314.91	445.89	549.63	679.37
	836.48	1,046.00	1,508.01	1,936.14	2,291.24
Extra items				0.00	0.00
Consolidated Net Profit	836.48	1,046.00	1,508.01	1,936.14	2,291.24
Profit Balance B/F	3,712.55	4,402.76	5,250.41	6,452.78	8,005.83
Appropriations	4,549.03	5,448.76	6,758.42	8,388.92	10,297.07
Equity Dividend %				50.00%	80.00%
	49.61	61.94	58.06	74.49	87.94
Adjusted EPS	41.08	51.29	58.06	74.49	87.94

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
	168.60	168.86	259.72	259.93	260.55
Share Warrants & Outstandings	55.54	50.21	46.55	50.94	52.10
Total Reserves	9,647.49	10,794.79	14,668.17	16,552.26	18,906.48
Reserve excluding Revaluation Reserve	9,647.49	10,794.79	14,668.17	16,552.26	18,906.48
	9,871.63	11,013.86	14,974.44	16,863.13	19,219.13
Secured Loans	28,241.91	28,382.12	20,251.63	27,872.32	36,579.98
Unsecured Loans	17,678.13	18,851.63	12,275.33	12,023.54	11,499.05
Deferred Tax Assets / Liabilities	-398.90	-145.67	-127.69	-171.16	-23.99
Other Long Term Liabilities	38.07	3.72	297.64	210.24	251.31
Long Term Provisions	17.33	17.72	531.81	771.08	26.16
Total Non-Current Liabilities	45,576.54	47,109.52	33,228.72	40,706.02	48,332.51
Trade Payables	16.29	30.25	19.74	17.54	14.53
Other Current Liabilities	2,825.16	2,186.77	2,076.21	3,097.88	2,785.20
Short Term Borrowings	7,041.09	6,387.63	22,489.63	22,413.75	23,119.57
Short Term Provisions	359.83	96.75	6.03	3.45	600.09
Total Current Liabilities	10,242.37	8,701.40	24,591.61	25,532.62	26,519.39
Total Liabilities	65,690.54	66,824.78	72,794.77	83,101.77	94,071.03
Loans (Non - Current Assets)	55,335.94	57,839.79	64,108.24	74,645.32	86,433.37
Gross Block	362.83	401.05	440.42	490.03	528.94
Less: Accumulated Depreciation	212.96	255.26	234.15	251.36	255.38
Net Block	149.87	145.79	206.27	238.67	273.56
Capital Work in Progress		0.08	5.43	4.67	1.38
Non Current Investments	2,234.23	2,316.92	2,429.45	2,427.83	2,682.24
Long Term Investment	2,234.23	2,316.92	2,429.45	2,427.83	2,682.24
Long Term Loans & Advances	17.06	17.33	702.78	760.05
Other Non Current Assets	7.45	12.00	471.44	275.20	501.48
Total Non-Current Assets	57,748.62	60,335.51	67,933.94	78,363.72	89,897.19
Currents Investments	1,248.47	879.37	1,916.56	953.09	96.57
Sundry Debtors	42.80	12.87	51.45	49.56	46.80
Cash and Bank	5,216.09	3,796.20	2,606.93	3,600.13	3,339.21
Other Current Assets	899.10	1,397.35	285.89	135.27	108.31
Short Term Loans and Advances	426.63	403.48			582.95
Total Current Assets	7,833.09	6,489.27	4,860.83	4,738.05	4,173.84
Net Current Assets (Including Current Investments)	-2,409.28	-2,212.13	-19,730.78	-20,794.57	-22,345.55
Total Assets	65,690.54	66,824.78	72,794.77	83,101.77	94,071.03
Contingent Liabilities	21.28	87.76	110.94	107.00	236.00
Total Debt	52,961.13	53,621.38	55,016.59	62,309.61	71,198.60
	582.21	649.27	574.77	646.80	735.64
Adjusted Book Value	482.04	537.56	574.77	646.80	735.64

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	1,083.96	1,360.91	1,953.90	2,485.77	2,970.61
Adjustment	5,033.90	4,617.63	4,757.38	4,985.75	4,832.79
Changes In working Capital	4,900.12	-3,559.31	-6,834.01	-10,656.25	-11,129.04
Cash Flow after changes in Working Capital	11,017.98	2,419.23	-122.73	-3,184.73	-3,325.64
Cash Flow from Operating Activities	6,254.26	-1,865.03	-4,661.51	-8,057.33	-8,983.55
Cash Flow from Investing Activities	-1,474.99	175.78	-1,186.08	757.10	684.33
Cash Flow from Financing Activitie	-6,732.22	301.47	4,178.63	7,403.86	8,719.78
Net Cash Inflow / Outflow	-1,952.95	-1,387.78	-1,668.96	103.63	420.56
Opening Cash & Cash Equivalents	6,968.56	5,015.61	3,627.83	1,958.87	2,062.50
Closing Cash & Cash Equivalent	5,015.61	3,627.83	1,958.87	2,062.50	2,483.06

Ratios

Valuation

12.75

1.50

11.91

3.40

88.77

756.30

Profitability

12.74

9.41

2.59

89.97

26.94

Leverage & Liquidity

3.71

0.16

1.59

Returns

0.71

0.10

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
	28.13	28.11	28.11	28.10	28.08	28.04	28.04	28.04	28.03
	28.84	42.60	51.20	51.31	62.18	59.31	60.27	60.69	62.54
	43.04	29.29	20.69	20.58	9.74	12.65	11.69	11.27	9.42
	71.87	71.89	71.89	71.90	71.92	71.96	71.96	71.96	71.97
No. of Shareholders	1,62,938	1,58,799	1,83,482	1,82,070	1,87,526	2,24,183	1,99,930	1,92,512	1,71,742

Corporate Actions

Showing: All

Date	Type	Details
2026-08-31	Board Meeting	Fund raising by issuance of Non-Convertible Debentures
2026-07-27	Board Meeting	Quarterly Results
2026-07-23	AGM

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - Housing

PNB Housing Finance Ltd. operates in the Finance sector under the Finance - Housing industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

10 members across the board and senior leadership

Veena G Kamath

Company Secretary

—

Devendran Surendran

Chairman

—

Tejendra Mohan Bhasin