PNB Housing Finance has reported a growth of 25.30 per cent in its net consolidated profit during the quarter ended March 31, 2025. Its profit after tax stood at ?550.38 crore in Q4 FY25 as against ?439.25 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 ?2,036.78 crore in Q4 FY25, a growth of 12.28 per cent from ?1,813.97 crore it recorded in the similar quarter last year. Girish Kousgi, managing director & CEO of the company said, "The retail loan asset grew by 18.2% year-on-year to ?74,802 crore as on March 31, 2025, which was supported by growth in the affordable and emerging markets segment. The affordable segment loan asset crossed a significant milestone of ?5,000 crore during the year. With focus on significant milestone of ?5,000 crore during the year. With focus on collections across buckets, the Gross NPA improved to 1.08% as on March 31, 2025 as compared to 1.50% as on March 31, 2024. On the back of strong business and financial performance, the RoA increased by 35 bps 2.55% for FY25." Loan asset grew by 16% year-on-year to ?75,765 crore as on March 31, 2025 while assets under management (AUM) grew by 13% year-on-year to ?80,397 crore as on March 31, 2025. The company recovered ?336 crore in FY25 from the written-off pool. Capital Risk Adequacy Ratio (CRAR) stood at 29.38% as on March 31, 2025. Yield was at 10.03% in Q4 FY25 as compared to 10.08% in Q4 FY24 while cost of borrowing was at 7.84% in Q4 FY25 as compared to 7.98% in Q4 FY24. Spread on loans was at 2.19% in Q4 FY25 as compared to 2.10% in Q4 FY24. 
 

https://www.livehomes.in/news_letter