About
PNB Housing Finance Limited operates as a housing finance company in India. It offers loans to individuals and corporate bodies for purchase, construction, repair, and upgradation of houses; loans for commercial space, and loans against property, as well as for purchase of residential plots; and home loans, property-related services, and fixed deposits. The company was incorporated in 1988 and is based in Gurugram, India.
Key Metrics
as of Sep 2026Market Cap30,476 Cr
P/E13.20
Div Yield0.69 %
Book Value₹738.00
52w High₹1,212.00
52w Low₹730.00
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 185.00 | 49.00 | 174.00 | 84.00 | 136.00 | 125.00 | 149.00 | 130.00 | 153.00 | 156.00 | 206.00 | 190.00 | 187.00 |
| Other Income | 3.00 | -9.00 | 2.00 | 4.00 | 7.00 | 15.00 | 2.00 | 2.00 | 9.00 | 5.00 | 3.00 | 2.00 | 0.00 |
| Depreciation | 16.00 | 19.00 | 16.00 | 16.00 | 15.00 | 14.00 | 14.00 | 14.00 | 13.00 | 14.00 | 13.00 | 11.00 | 13.00 |
| Interest | 1,339.00 | 1,246.00 | 1,253.00 | 1,267.00 | 1,235.00 | 1,178.00 | 1,158.00 | 1,119.00 | 1,097.00 | 1,070.00 | 1,087.00 | 1,058.00 | 1,048.00 |
| Profit before tax | 715.00 | 846.00 | 669.00 | 804.00 | 686.00 | 727.00 | 603.00 | 607.00 | 559.00 | 566.00 | 445.00 | 509.00 | 451.00 |
| Tax % | 22.00 | 23.00 | 22.00 | 22.00 | 22.00 | 22.00 | 22.00 | 22.00 | 21.00 | 22.00 | 22.00 | 24.00 | 22.00 |
| Net Profit | 554.00 | 649.00 | 521.00 | 626.00 | 532.00 | 567.00 | 471.00 | 472.00 | 439.00 | 444.00 | 347.00 | 384.00 | 353.00 |
| EPS in Rs | 21.28 | 24.90 | 20.00 | 24.05 | 20.44 | 21.82 | 18.14 | 18.15 | 16.89 | 17.09 | 13.34 | 14.81 | 13.59 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 442.00 | 557.00 | 737.00 | 1,173.00 | 964.00 | 1,235.00 | 1,719.00 | 708.00 | 693.00 | 442.00 | 320.00 | 213.00 |
| Other Income | 13.00 | 10.00 | 7.00 | 2.00 | 5.00 | 15.00 | 7.00 | 4.00 | 0.00 | 0.00 | 1.00 | 0.00 |
| Interest | 5,002.00 | 4,553.00 | 4,264.00 | 3,901.00 | 4,066.00 | 5,100.00 | 5,876.00 | 5,167.00 | 3,537.00 | 2,644.00 | 1,860.00 | 1,265.00 |
| Depreciation | 66.00 | 56.00 | 51.00 | 51.00 | 53.00 | 59.00 | 66.00 | 31.00 | 24.00 | 19.00 | 15.00 | 8.00 |
| Profit before tax | 3,004.00 | 2,496.00 | 1,972.00 | 1,367.00 | 1,063.00 | 1,187.00 | 825.00 | 1,578.00 | 1,235.00 | 804.00 | 503.00 | 294.00 |
| Tax % | 22.00 | 22.00 | 23.00 | 23.00 | 23.00 | 22.00 | 17.00 | 31.00 | 32.00 | 35.00 | 35.00 | 34.00 |
| Net Profit | 2,328.00 | 1,949.00 | 1,527.00 | 1,056.00 | 822.00 | 925.00 | 682.00 | 1,081.00 | 842.00 | 524.00 | 326.00 | 194.00 |
| EPS in Rs | 89.34 | 74.98 | 58.81 | 40.70 | 31.72 | 35.78 | 26.39 | 42.01 | 32.90 | 20.57 | 16.73 | 9.95 |
| Dividend Payout % | 9.00 | 7.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 14.00 | 18.00 | 19.00 | 13.00 | 16.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 261.00 | 260.00 | 260.00 | 169.00 | 169.00 | 168.00 | 168.00 | 167.00 | 167.00 | 166.00 | 127.00 | 104.00 |
| Reserves | 18,965.00 | 16,574.00 | 14,673.00 | 10,784.00 | 9,632.00 | 8,699.00 | 7,779.00 | 7,268.00 | 6,402.00 | 5,412.00 | 2,019.00 | 1,475.00 |
| Other Liabilities | 3,109.00 | 3,353.00 | 2,422.00 | 2,231.00 | 2,844.00 | 3,072.00 | 3,191.00 | 4,456.00 | 2,673.00 | 1,885.00 | 1,511.00 | 976.00 |
| Total Liabilities | 93,533.00 | 82,497.00 | 72,371.00 | 66,805.00 | 65,649.00 | 71,333.00 | 78,874.00 | 83,750.00 | 63,018.00 | 42,960.00 | 29,671.00 | 19,035.00 |
| Fixed Assets | 273.00 | 239.00 | 206.00 | 146.00 | 150.00 | 181.00 | 250.00 | 102.00 | 255.00 | 58.00 | 58.00 | 40.00 |
| CWIP | 6.00 | 16.00 | 15.00 | 3.00 | 4.00 | 2.00 | 4.00 | 5.00 | 10.00 | 2.00 | 4.00 | 18.00 |
| Investments | 2,777.00 | 3,381.00 | 4,345.00 | 3,188.00 | 3,472.00 | 2,033.00 | 2,048.00 | 4,457.00 | 2,413.00 | 3,280.00 | 1,622.00 | 1,586.00 |
| Other Assets | 90,477.00 | 78,861.00 | 67,804.00 | 63,468.00 | 62,024.00 | 69,117.00 | 76,572.00 | 79,185.00 | 60,340.00 | 39,620.00 | 27,987.00 | 17,392.00 |
| Total Assets | 93,533.00 | 82,497.00 | 72,371.00 | 66,805.00 | 65,649.00 | 71,333.00 | 78,874.00 | 83,750.00 | 63,018.00 | 42,960.00 | 29,671.00 | 19,035.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -8,973.00 | -8,120.00 | -4,644.00 | -1,772.00 | 6,218.00 | 6,731.00 | 8,911.00 | -16,626.00 | -15,664.00 | -12,406.00 | -9,664.00 | -6,791.00 |
| Cash from Investing Activity | 736.00 | 757.00 | -1,193.00 | 174.00 | -1,476.00 | -6.00 | -62.00 | -53.00 | -50.00 | -17.00 | -20.00 | -37.00 |
| Cash from Financing Activity | 8,720.00 | 7,404.00 | 4,179.00 | 301.00 | -6,684.00 | -8,331.00 | -4,362.00 | 17,888.00 | 18,464.00 | 12,322.00 | 9,804.00 | 6,850.00 |
| Net Cash Flow | 483.00 | 41.00 | -1,659.00 | -1,297.00 | -1,942.00 | -1,606.00 | 4,486.00 | 1,209.00 | 2,751.00 | -101.00 | 120.00 | 22.00 |
| Free Cash Flow | -9,005.00 | -8,168.00 | -4,683.00 | -1,786.00 | 6,203.00 | 6,725.00 | 8,849.00 | -16,679.00 | -15,713.00 | -12,423.00 | -9,684.00 | -6,828.00 |
| CFO/OP % | -104.00 | -109.00 | -68.00 | -28.00 | 127.00 | 111.00 | 137.00 | -238.00 | -317.00 | -350.00 | -399.00 | -427.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
9 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 31 Jul 2026 | 31 Jul 2026 | — | 8.00 | |
| Dividend | 01 Aug 2025 | 01 Aug 2025 | — | 5.00 | |
| Rights | 05 Apr 2023 | 05 Apr 2023 | 29:54 | — | |
| Other | 05 Apr 2023 | 05 Apr 2023 | — | — | Right Issue of Equity Shares |
| Other | 26 Aug 2021 | — | — | — | Annual General Meeting |
| Other | 28 Jul 2020 | — | — | — | Annual General Meeting |
| Dividend | 19 Jul 2019 | — | — | 9.00 | |
| Dividend | 19 Jul 2018 | — | — | 9.00 | |
| Dividend | 25 Jul 2017 | — | — | 6.00 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update25 Aug from icra
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Rating update20 Aug from fitch
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Rating update3 Jul from care
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Rating update7 May from care
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Rating update21 Apr from crisil
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Rating update29 Dec 2025 from fitch
Conference Calls
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