| Management target | Revenue 17.0% FY27 |
|---|
| Revenue growth | Retail loan book grew 14% YoY; total AUM at 71,000 Cr. |
|---|---|
| Margins | Guiding 3.5% NIM; yield expansion expected from affordable housing shift. |
| Order book | Loan book reached 65,000 Cr; 97% is now retail-focused. |
| Demand visibility | Strong long-term visibility backed by structural under-penetration in Indian mortgages. |
| Management confidence | High; management emphasizes shift from consolidation to balanced profitable growth. |
Growth
Retail book grew 14% YoY in FY24, with affordable 'Roshni' book crossing 2,000 Cr.
Outlook
Targeting 17% CAGR in loan book through FY27 with 15% steady-state ROE.
Risks
Expansion into riskier informal segments and Tier-3 cities may pressure asset quality despite current low GNPA.
Earnings Call Transcript filed with NSE, NSE: PNBHOUSING. Summary written with AI assistance from the document.
PNB Housing Finance Ltd: key numbers
- Share price
- ₹1,094.90
- Market cap
- ₹28,555 Cr
- Revenue (annual)
- ₹8,505 Cr
- Net profit (annual)
- ₹2,291 Cr
- P/E (TTM)
- 12.3×Sector 22.0×
- Promoter holding
- 28.03%-0.01% QoQ
- FII holding
- 16.81%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from PNB Housing Finance Ltd
All →PNB Housing Finance Credit Rating
PNB Housing Finance received a [ICRA]AAA rating for its new Rs 2,000 Crore NCD programme. Existing ratings for bank facilities and NCDs were reaffirmed by ICRA.
PNB Housing Finance Debt & Borrowing
PNB Housing Finance intimated NSE of the record date for a CP redemption due 27 Oct 2026. No monetary value is stated in this intimation.
PNB Housing Finance Management Change
PNB Housing Finance designated Mr. Jatul Anand as its Chief Operating Officer (COO). He previously served as an Executive Director (non-Board).
PNB Housing Finance Debt & Borrowing: ₹500 Cr
PNB Housing allotted ₹500 Crore in 5-year secured NCDs at 8.135% via private placement on NSE EBP. The securities will be listed on NSE WDM segment.
- Value
- ₹500.0 Cr
PNB Housing Finance Earnings Call Transcript: Key Takeaways
Management is transitioning from a consolidation phase to aggressive retail expansion, targeting a 17% AUM CAGR through FY27. The strategy hinges on high-yield 'Affordable' and 'Emerging' verticals to offset Prime segment margin compression.
- Call
- Guides 17% growth
PNB Housing Finance Debt & Borrowing: ₹700 Cr
PNB Housing Finance Limited redeemed Commercial Papers worth ₹700 Crore on the due date of September 15, 2026. This confirms the repayment of debt obligations.
- Value
- ₹700.0 Cr