PNB Housing Finance Q2 Net Profit Jumps 24% to ₹582 Crore

PNB Housing Finance reported a 24% year-on-year rise in its net profit for the second quarter ended September 2025, reaching ₹582 crore compared to ₹470 crore in the same period last year. The steady increase highlights consistent loan growth and improved operational efficiency across its lending portfolio.

Growth in Income and Interest Earnings

The company’s total income for the quarter increased to ₹2,131 crore, up from ₹1,880 crore a year ago. Interest income also saw an improvement, rising to ₹2,017 crore from ₹1,780 crore during the same period. The growth reflects a stable demand for housing loans and efficient management of lending margins despite a competitive interest rate environment.

The net interest income rose 14% to ₹765 crore, compared to ₹669 crore in the corresponding quarter last year. However, the net interest margin (NIM) witnessed a slight moderation to 3.67%, as against 3.68% in the previous year, indicating stable profitability levels in the face of changing market dynamics.

Asset Quality and Capital Strength

PNB Housing Finance maintained a strong asset quality during the quarter. The gross non-performing assets (NPAs) decreased to 1.04% from 1.24% as of September 2024, signalling effective credit monitoring and better repayment discipline among borrowers.

The company’s capital adequacy ratio stood at 29.80%, with Tier I capital at 29.21% as of September 30, 2025. This robust capital position reflects the firm’s ability to support future lending growth while maintaining financial stability.

Retail Disbursement and Market Focus

The affordable and emerging market segments continued to play a key role in PNB Housing Finance’s business strategy, contributing nearly 50% of the total retail disbursements. The company remains focused on expanding its reach among mid-income and emerging borrowers through efficient loan processing and digital solutions.

Its diverse loan portfolio includes home loans, loans against property, and financing for commercial spaces, catering to both individual and business customers across India.

Market Performance and Share Price Update

As of October 28, 2:53 PM, PNB Housing Finance Share Price stood at ₹928, reflecting a marginal dip of 0.04% on the day’s trade. The company’s market capitalisation was recorded at ₹24,166 crore, underlining its consistent market presence.

Over the past year, PNB Housing Finance Share Price has traded between a 52-week high of ₹1,142 and a low of ₹746, showcasing moderate market movement. With a price-to-earnings ratio of 11.0 and a book value of ₹690, the company continues to maintain a balanced financial position in India’s housing finance sector.

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Conclusion

PNB Housing Finance’s second-quarter performance reflects steady growth in profitability and a strong focus on maintaining asset quality. The rise in income and improved credit discipline underline the company’s operational resilience. 

With a healthy capital base and consistent retail disbursements, PNB Housing Finance remains well-positioned to sustain growth in India’s expanding housing finance market.

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