PNB Housing Finance net profit rises 42 percent in Q3 FY25

PNB Housing Finances has reported a growth of 42.79 percent in its net consolidated profit during the quarter ended December 31, 2025. Its profit after tax stood at Rs 483.27 crore in Q3 FY25 as against Rs 338.44 crore it recorded in the corresponding quarter of the previous fiscal, the company said in a BSE filing. The company's net consolidated total income stood at Rs 1,943.11 crore in Q3 FY25, a growth of 10.66 per cent from Rs 1,756 crore it recorded in the similar quarter last year. Girish Kousgi, managing director & CEO of the company said, "Our affordable segment is performing well and has delivered robust disbursement growth of 127% year-on-year to Rs 920 crore during the quarter. The portfolio asset quality continues to improve with Gross NPA at 1.19% as on December 31, 2024. The company received NHB refinance sanction of Rs 5,000 crore and another ECB sanction of USD 100 million in Q3 FY25." Retail disbursement grew by 31% year-on-year to Rs 5,380 crore during Q3 FY25. Affordable and emerging market segment contributed 38% to the retail disbursement. Gross NPA declined by 54 bps to 1.19% as on December 31, 2024 as compared to 1.73% as on December 31, 2023. Cost of borrowing was at 7.83%, spread on loans was at 2.29% and yield was at 10.12% in Q3FY25. The disbursements grew by 29.9% year-on-year to Rs 5,380 crore, loan asset grew by 15.4% year-on-year and asset under management (AUM) grew by 12.1% year-on-year during Q3 FY25.
 

https://www.livehomes.in/news_letter