PNBHOUSING

PNB Housing Finance Q4 2025 Result

PNB Housing Finance reported a 25% year-on-year increase in net profit to Rs 550 crore in Q4FY25, with Net Interest Income rising 16.2% year-on-year to Rs 734 crore. Pre-provision operating profit grew by 14.1% year-on-year to Rs 646 crore. Net Interest Margin improved to 3.75%. The spread on loans stood at 2.19%, while credit cost was at -32 basis points due to recoveries from the write-off pool. For the full year FY25, disbursements grew by 25% year-on-year to Rs 21,972 crore. The Affordable and Emerging Market segment contributed 40% to retail disbursements in Q4FY25. Gross NPA improved to 1.08% as of March 31, 2025, from 1.50% a year earlier. Profit after tax rose by 28% year-on-year to Rs 1,936 crore. The Capital Adequacy Ratio was strong at 29.38%, with Tier I at 28.39%. A dividend of Rs 5 per equity share was recommended. The Managing Director noted strong growth in retail loan assets, improved asset quality, and an increase in Return on Assets to 2.55% for FY25, highlighting the company’s focus on profitable growth and maintaining asset quality.