Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of PNB Housing Finance Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 1,636 | 1,708 | 1,778 | 1,755 | 1,810 | 1,823 | 1,879 | 1,942 | 2,022 | 2,076 | 2,128 | 2,119 | 2,182 |
| Interest | 1,008 | 1,048 | 1,057 | 1,087 | 1,070 | 1,097 | 1,118 | 1,158 | 1,178 | 1,234 | 1,267 | 1,253 | 1,246 |
| Expenses + | 275 | 201 | 204 | 216 | 170 | 168 | 143 | 155 | 133 | 145 | 88 | 183 | 52 |
| Financing Profit | 353 | 459 | 517 | 452 | 570 | 559 | 618 | 629 | 711 | 697 | 773 | 683 | 883 |
| Financing Margin % | 22% | 27% | 29% | 26% | 31% | 31% | 33% | 32% | 35% | 34% | 36% | 32% | 40% |
| Other Income + | 2 | 0 | 2 | 1 | 4 | 9 | 1 | 1 | 15 | 6 | 3 | 2 | -10 |
| Depreciation | 13 | 13 | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 | 16 | 19 |
| Profit before tax | 342 | 447 | 507 | 440 | 560 | 554 | 605 | 616 | 711 | 688 | 760 | 668 | 855 |
| Tax % | 18% | 22% | 24% | 23% | 22% | 22% | 22% | 22% | 23% | 22% | 23% | 22% | 23% |
| Net Profit + | 279 | 347 | 383 | 338 | 439 | 433 | 470 | 483 | 550 | 534 | 582 | 520 | 656 |
| EPS in Rs | 10.76 | 13.38 | 14.75 | 13.03 | 16.91 | 16.66 | 18.08 | 18.60 | 21.17 | 20.51 | 22.33 | 19.97 | 25.17 |
| Gross NPA % | 1.24% | 1.19% | 1.06% | 1.04% | 1.04% | 0.93% | |||||||
| Net NPA % | 0.84% | 0.80% | 0.69% | 0.69% | 0.68% | 0.57% |
Financials of PNB Housing Finance Ltd
Annual income statement trend
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 5,489 | 7,679 | 8,482 | 7,604 | 6,196 | 6,527 | 7,053 | 7,685 | 8,505 |
| Interest | 3,537 | 5,167 | 5,875 | 5,101 | 4,065 | 3,900 | 4,263 | 4,552 | 5,000 |
| Expenses + | 693 | 750 | 1,737 | 1,253 | 998 | 1,217 | 789 | 598 | 468 |
| Financing Profit | 1,258 | 1,762 | 870 | 1,250 | 1,133 | 1,410 | 2,001 | 2,535 | 3,037 |
| Financing Margin % | 23% | 23% | 10% | 16% | 18% | 22% | 28% | 33% | 36% |
| Other Income + | 0 | 4 | 7 | 16 | 5 | 2 | 4 | 6 | 1 |
| Depreciation | 24 | 31 | 66 | 59 | 53 | 51 | 51 | 56 | 66 |
| Profit before tax | 1,235 | 1,734 | 811 | 1,207 | 1,084 | 1,361 | 1,954 | 2,486 | 2,971 |
| Tax % | 32% | 31% | 20% | 23% | 23% | 23% | 23% | 22% | 23% |
| Net Profit + | 841 | 1,192 | 646 | 930 | 836 | 1,046 | 1,508 | 1,936 | 2,291 |
| EPS in Rs | 32.86 | 46.29 | 25.00 | 35.96 | 32.28 | 40.31 | 58.06 | 74.49 | 87.94 |
| Dividend Payout % | 18% | 13% | 0% | 0% | 0% | 0% | 0% | 7% | 9% |
Financials of PNB Housing Finance Ltd
Capital structure and asset base
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 167 | 167 | 168 | 168 | 169 | 169 | 260 | 260 | 261 |
| Reserves | 6,401 | 7,376 | 7,830 | 8,755 | 9,703 | 10,845 | 14,715 | 16,603 | 18,959 |
| Borrowing | 53,777 | 71,859 | 67,735 | 59,392 | 52,961 | 53,621 | 55,017 | 62,310 | 71,199 |
| Other Liabilities + | 2,670 | 4,466 | 3,197 | 3,077 | 2,897 | 2,238 | 2,414 | 3,348 | 3,094 |
| Total Liabilities | 63,014 | 83,869 | 78,930 | 71,392 | 65,730 | 66,874 | 72,405 | 82,520 | 93,512 |
| Fixed Assets + | 76 | 103 | 251 | 181 | 150 | 146 | 207 | 239 | 279 |
| CWIP | 10 | 5 | 4 | 2 | 4 | 3 | 15 | 16 | 1 |
| Investments | 2,413 | 4,561 | 2,076 | 2,045 | 3,483 | 3,196 | 4,346 | 3,381 | 2,779 |
| Other Assets + | 60,516 | 79,200 | 76,599 | 69,164 | 62,093 | 63,528 | 67,837 | 78,884 | 90,453 |
| Total Assets | 63,014 | 83,869 | 78,930 | 71,392 | 65,730 | 66,874 | 72,405 | 82,520 | 93,512 |
Financials of PNB Housing Finance Ltd
Operating, investing and financing cash movement
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -15,664 | -16,617 | 8,928 | 6,611 | 6,254 | -1,865 | -4,662 | -8,057 | -8,984 |
| Cash from Investing Activity + | -50 | -54 | -63 | 21 | -1,475 | 176 | -1,186 | 757 | 684 |
| Cash from Financing Activity + | 18,464 | 17,888 | -4,386 | -8,178 | -6,732 | 301 | 4,179 | 7,404 | 8,720 |
| Net Cash Flow | 2,751 | 1,217 | 4,480 | -1,546 | -1,953 | -1,388 | -1,669 | 104 | 421 |
| Free Cash Flow | -15,713 | -16,671 | 8,866 | 6,606 | 6,239 | -1,880 | -4,701 | -8,106 | -9,016 |
| CFO/OP | -317% | -232% | 137% | 109% | 127% | -29% | -69% | -108% | -48% |
Financials of PNB Housing Finance Ltd
Working capital efficiency and return ratios
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 13% | 17% | 8% | 11% | 9% | 10% | 12% | 12% | 13% |