PNB Housing Finance Limited has released its Investor Presentation for the quarter and nine months ended December 31, 2025. The presentation was shared on January 21, 2026, and will be referred to during an earnings call scheduled for January 22, 2026, at 08:00 AM IST. The company reported key performance highlights, including a stable Gross NPA of 1.04% as of December 31, 2025. The operating expenses for Q3 FY26 included a one-time impact of ₹6 crore due to the New Labour Code. Return on Assets (ROA) stood at 2.57% for 9M FY26. As of December 31, 2025, the retail loan asset grew by 16% year-on-year to ₹81,931 crore, with the Affordable and Emerging Markets segments constituting 39% of this. Retail disbursement increased by 16% year-on-year to ₹6,217 crore, with these segments contributing approximately 50% of the retail disbursement. The company has a presence across 358 branches. Net Interest Margin (NIM) for Q3 FY26 was 3.63%, a slight decrease from 3.67% in Q2 FY26. The Cost of Borrowing improved to 7.50% in Q3 FY26 from 7.69% in Q2 FY26. The Net Profit after Tax for Q3 FY26 was ₹521 crore, an 8% increase year-on-year. The company continues to focus on its strategic objectives, including growing the retail loan asset, especially in the high-yielding Emerging Markets segment, and expanding the Affordable Loan Asset in Tier 2 and Tier 3 cities. Efforts are being made to improve asset quality through robust underwriting and collection processes, maintain adequate capitalization, and enhance profitability. The presentation also detailed segment updates for Affordable, Emerging Markets, and Prime businesses, along with asset quality metrics, technology updates, financial performance ratios, and consolidated financial statements. PNB Housing Finance also highlighted its ESG framework and ratings, including an ESG rating by NSE Sustainability Ratings & Analytics and a Medium Risk assessment by Morningstar Sustainalytics.
