PNB Housing Finance Q4 FY26: Profit Rises 19% To ₹656 Crore

By Kotak News Desk
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21 Apr 2026 at 12:00 PM IST
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Market News
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Summary

PNB Housing Finance posted a 19% rise in Q4 FY26 net profit to ₹656 crore, with disbursements at an all-time high, gross NPA below 1% and final dividend proposed at ₹8.

PNB Housing Finance posted a 19% rise in net profit for the March quarter. Profit came in at ₹656 crore. The company saw strong loan growth. Disbursements touched their highest-ever level during the quarter.

Asset quality also improved. The gross non performing asset (NPA) ratio dropped below 1% for the first time, at 0.93%.

PNB Housing Finance shares surged on Tuesday, climbing nearly 10% to hit an intraday high of ₹1,007.

At 10:45 AM, it is trading around ₹981, up about 8.2%. It remains below its 52-week high of ₹1,141.90.

Important Q4 Numbers At A Glance

Net profit: ₹656 crore, up 19.09% year on year (YoY).
Revenue from operations: ₹2,180 crore, up 7.81% YoY.
Net interest income: ₹813 crore, up 10.8% YoY.
Total disbursements: ₹9,355 crore, up 36% YoY.
Retail disbursements: ₹9,020 crore, all-time high

Disbursement growth was the standout number, with retail loans hitting a record in the quarter and the company making a disciplined re-entry into corporate lending with ₹335 crore in new disbursements.

FY26 Full Year Performance

Full year net profit: ₹2,291 crore, up 18% YoY.
Total disbursements: ₹26,548 crore, up 20.8% YoY.
Assets under management: ₹90,921 crore, up 13% YoY, crossing the ₹90,000 crore milestone.
Retail loan asset: ₹86,946 crore, up 16% YoY, at 99.5% of total loan book.

The company said its affordable and emerging markets segment grew 28% year-on-year. It made up 40% of the retail loan assets.

Branch Network

The company ended FY26 with 393 branches, adding 35 during the year as it continued to expand its physical presence across retail and affordable housing markets.

Also Read - BSE Unveils Housing Finance Index; LIC Housing Finance Tops Weight

Dividend

The board recommended a final dividend of ₹8 per equity share of face value ₹10 for FY26, subject to shareholder approval at the annual general meeting. This is a sharp increase from ₹5 per share paid in the previous year.

Sources:

The Economic Times

Business Standard

PNB Housing

This article is for informational purposes only and does not constitute financial advice. It is not produced by the desk of the Kotak Securities Research Team, nor is it a report published by the Kotak Securities Research Team. The information presented is compiled from several secondary sources available on the internet and may change over time. Investors should conduct their own research and consult with financial professionals before making any investment decisions. Read the full disclaimer here.

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