PNB Housing Finance Q1 FY26 Results:
Net profit after tax rose 23.3% to ₹533.5 crores in Q1 FY26, from ₹432.8 crores in Q1 FY25. Total income for the quarter increased 13.6% year-on-year to ₹2,081.9 crores from ₹1,832.1 crores.
About PNB Housing Finance Ltd
PNB Housing Finance Limited offers a range of housing finance solutions. This includes home loans, loans against property, and fixed deposit schemes. Founded on November 11, 1988, it has years of experience in the financial services sector. The company’s headquarters is located on the 9th Floor of Antriksh Bhavan, 22 Kasturba Gandhi Marg, in the city of New Delhi, India. It falls under the financial services sector, particularly housing finance. The company continues to provide reliable and efficient financial solutions to its customers. It is mainly known for its innovation and customer-centric approach. +
The Current prices are delayed, log in for live prices
LOGINOver 1 Month
9.39%
Over 6 Months
-13.01%
Over 1 Year
5.34%
Over 3 Years
164.43%
PNB Housing Finance Ltd Summary
Close ₹917.65
Open ₹918.70
High ₹921.75
Low ₹911
Volume 3,83,284
Net Turnover (in Cr) ₹35.14
52Wk High ₹1,141.90
52Wk Low ₹746.70
52Wk High / Low
746.70
1,141.90
PNB Housing Finance Ltd Fundamentals
Key Financial Data
Market Cap (in Cr) ₹23,905.57
EPS (TTM) 84.33
Book Value (BV) 690.37
Div. Yield 0.54 %
P/E (TTM) 10.89
Price/Book Value 1.33
Delivery % 46.71 %
Face Value 10
Key Ratios
PE Ratio 11.76
PB Ratio 1.36
EV to Sales 10.69
PEG Ratio 0.43
ROA 2.46
ROE 12.27
Debt-Equity 3.69
Net Profit Margin 25.44
Operating Profit Margin 92.73
PNB Housing Finance Ltd Financials
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Total Revenue | 7,691.63 | 7,057.09 | 6,529.66 | 6,200.73 | 7,624.08 |
| Total Expenses | 5,205.86 | 5,103.19 | 5,168.75 | 5,116.77 | 6,417.05 |
| Profit Before Tax | 2,485.77 | 1,953.90 | 1,360.91 | 1,083.96 | 1,207.03 |
| Profit After Tax | 1,936.14 | 1,508.01 | 1,046 | 836.48 | 929.90 |
| Operating Profit After Depreciation | 2,485.77 | 1,953.90 | 1,360.91 | 1,083.96 | 1,207.03 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Fixed Assets | 250.14 | 216.09 | 148.87 | 153.41 | 183.10 |
| Total Non Current Assets | 78,452.72 | 68,803.97 | 61,331.22 | 59,371.48 | 63,302.82 |
| Total Current Assets | 4,067.64 | 3,600.88 | 5,542.48 | 6,358.13 | 8,089.38 |
| Total Assets | 82,520.36 | 72,404.85 | 66,873.70 | 65,729.61 | 71,392.20 |
| Total Shareholder's Fund | 16,863.13 | 14,974.44 | 11,013.86 | 9,871.63 | 8,923.03 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Net Cash From Operating Activities | -8,057.33 | -4,661.51 | -1,865.03 | 6,254.26 | 6,611.28 |
| Net Cash Used In Investing Activities | 757.10 | -1,186.08 | 175.78 | -1,474.99 | 20.55 |
| Net Cash Used In Financing Activities | 7,403.86 | 4,178.63 | 301.47 | -6,732.22 | -8,177.59 |
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Total Revenue | 7,661.22 | 7,023.98 | 6,492.39 | 6,145.92 | 7,583.98 |
| Total Expenses | 5,165.35 | 5,052.30 | 5,125.58 | 5,083.15 | 6,397.26 |
| Profit Before Tax | 2,495.87 | 1,971.68 | 1,366.81 | 1,062.77 | 1,186.72 |
| Profit After Tax | 1,948.95 | 1,527.42 | 1,056.27 | 821.92 | 925.22 |
| Operating Profit After Depreciation | 2,495.87 | 1,971.68 | 1,366.81 | 1,062.77 | 1,186.72 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Fixed Assets | 249.81 | 215.75 | 148.41 | 153 | 182.48 |
| Total Non Current Assets | 78,574.08 | 68,899.20 | 61,391.11 | 59,405.09 | 63,332.80 |
| Total Current Assets | 3,922.45 | 3,472.01 | 5,413.85 | 6,244.21 | 7,999.72 |
| Total Assets | 82,496.53 | 72,371.21 | 66,804.96 | 65,649.30 | 71,332.52 |
| Total Shareholder's Fund | 16,833.70 | 14,932.37 | 10,952.57 | 9,800.54 | 8,867.18 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Net Cash From Operating Activities | -8,119.50 | -4,644.14 | -1,772.04 | 6,218.17 | 6,730.74 |
| Net Cash Used In Investing Activities | 756.64 | -1,193.48 | 173.63 | -1,476.23 | -5.64 |
| Net Cash Used In Financing Activities | 7,403.89 | 4,178.64 | 301.47 | -6,684 | -8,331.13 |
| Particulars (in ₹ Cr.) | 2025-09 | 2025-06 | 2025-03 | 2024-12 | 2024-09 |
|---|---|---|---|---|---|
| Total Revenue | 2,127.86 | 2,076.11 | 2,021.85 | 1,941.76 | 1,878.68 |
| Total Expenses | 1,354.56 | 1,379.25 | 1,311.26 | 1,313.08 | 1,261.08 |
| Profit Before Tax | -507.33 | -546.45 | -466.84 | -542.27 | -513.77 |
| Profit After Tax | 581.59 | 533.50 | 550.38 | 483.27 | 469.68 |
| Operating Profit after Depreciation | 776.04 | 702.62 | 725.52 | 630.03 | 618.58 |
| Particulars (in ₹ Cr.) | 2025-09 | 2025-06 | 2025-03 | 2024-12 | 2024-09 |
|---|---|---|---|---|---|
| Total Revenue | 2,167.91 | 2,063.88 | 2,029.94 | 1,922.76 | 1,867.53 |
| Total Expenses | 1,351.41 | 1,370.43 | 1,303.54 | 1,307.44 | 1,248.65 |
| Profit Before Tax | -463.54 | -549.16 | -450.84 | -555.12 | -512.20 |
| Profit After Tax | 626.49 | 531.73 | 567.11 | 471.43 | 471.70 |
| Operating Profit after Depreciation | 820.11 | 700.18 | 741.72 | 617.45 | 620.41 |
PNB Housing Finance Ltd Technicals
Support and Resistance
S3 S2 S1 Pivot R1 R2 R3
S1 911.85
S2 906.05
S3 901.10
Pivot 916.80
R1 922.60
R2 927.55
R3 933.35
Moving Average
20 SMA 907.68
50 SMA 874.26
100 SMA 909.34
200 SMA 926.10
PNB Housing Finance Ltd Corporate Actions
PNB Housing Finance Ltd
₹5.0/Share
Announcement Date 01 Aug 2025
Record Date 01 Aug 2025
Div Yield 50%
PNB Housing Finance Ltd Peer Comparison
| Company | Price | Market Cap (in Cr) |
|---|---|---|
| Bajaj Finance Ltd | ₹1,026.45 | ₹6,38,706.65 |
| Bajaj Finserv Ltd | ₹2,079.65 | ₹3,32,289.23 |
| Jio Financial Services Ltd | ₹312 | ₹1,98,222.47 |
| Indian Railway Finance Corporation Ltd | ₹122.70 | ₹1,60,350.57 |
| Shriram Finance Ltd | ₹816.75 | ₹1,53,653.56 |
PNB Housing Finance Ltd Top Mutal Funds Invested
| Fund Name | AUM |
|---|---|
| Tata Value Fund | 2.34% |
| Canara Robeco Small Cap Fund | 1.65% |
| HSBC Value Fund | 1.59% |
| Franklin India Small Cap Fund | 1.52% |
| Bandhan Small Cap Fund | 1.48% |
PNB Housing Finance Ltd News
PNB Housing Finance receives upgrade in LT credit ratings
18 Nov 2025, 09:41 am
PNB Housing Finance to conduct board meeting
On 27 October 2025
18 Oct 2025, 11:03 am
PNB Housing Finance allots NCD of Rs 300 cr
On private placement basis
26 Sep 2025, 03:00 pm
PNB Housing Finance gains as board clears Rs 5000'cr NCD issue
PNB Housing Finance advanced 1.89% to Rs 806.75 after the company's board has approved the issuance of non-convertible debentures (NCDs) of up to Rs 5,000 crore on a private placement basis.
08 Sep 2025, 12:49 pm
PNB Housing Finance's board clears Rs 5000'cr NCD issue
PNB Housing Finance announced that its board has approved the issuance of non-convertible debentures (NCDs) of up to Rs 5,000 crore on a private placement basis.
06 Sep 2025, 01:41 pm
PNB Housing Finance Ltd Stock Analysis
- Annual revenue for PNB Housing Finance Ltd increased by 9.07% to ₹7,661.22 crore in FY 2025 from ₹7,023.98 crore in FY 2024.
- Annual Net Profit for PNB Housing Finance Ltd increased by 27.60% to ₹1,948.95 crore in FY 2025 from ₹1,527.42 crore in FY 2024.
- Promoter Shareholding in PNB Housing Finance Ltd decreased by 0.14% in the most recent quarter, from 28.08% in June 2025 to 28.04% in September 2025.
- PNB Housing Finance Ltd delivered a 1-year return of 5.34% compared to the Nifty 50, which provided a return of 10.91% as of the last trading session.
- PNB Housing Finance Ltd share price moved up by 1.85% from its previous close of INR ₹917.65. The latest PNB Housing Finance Ltd share price is INR ₹934.65.
- PNB Housing Finance Ltd share price today has been at a low of 923.85 and a high of 939.55. Over the past 52 weeks, the PNB Housing Finance Ltd share price has seen a low of 746.70 and a high of 1,141.90.
About PNB Housing Finance Ltd
PNB Housing Finance Limited is a prominent player in the housing finance sector. It is offering a wide range of financial solutions primarily focused on housing finance. Established on November 11, 1988, the company boasts many years of experience in the industry. Its headquarters is located on the 9th Floor, Antriksh Bhavan, 22 Kasturba Gandhi Marg, New Delhi, India. PNB Housing Finance has established a strong presence in the market.
The company is promoted by Punjab National Bank (PNB), one of India’s leading banks. PNB Housing Finance provides various products, including home loans, loans against property and home improvement loans. It also provides home construction loans, plot loans, and home extension loans. The services also include land loans and lease rental discounting. Additionally, the company offers fixed deposit schemes to its customers.
PNB Housing Finance is a leading player in the housing finance sector. Its comprehensive range of products and strong backing from Punjab National Bank have solidified its position as a significant entity in the financial services industry.
Promoter shareholding is held by Punjab National Bank at 28.13%, ensuring a stable and reliable foundation for the company. The registered office is located at Sahakar Bazaar Building, 1st Floor, Guru Nanak Marg, Mumbai, Maharashtra 400050. Link Intime India Private Ltd serves as the company’s registrar.
Here are the top managing promoters of the company:
In 2009, Destimoney Enterprises Private Limited (DEPL) got a 26% stake in PNB Housing Finance. This marks a significant milestone in the company’s journey. This partnership helped the company enhance its capabilities and expand its reach. The following year, PNB Housing Finance launched a business process re-engineering project called "Kshitij." The project aimed to streamline operations and improve efficiency.
By 2011, the company introduced a new brand image and implemented a robust and scalable target operating model (TOM). In 2012, DEPL raised its stake from 26% to 49%, further solidifying its commitment to the company’s growth. PNB Housing Finance continued to grow, and by 2014, its assets under management (AUM) crossed INR 10,000 crore.
In 2015, DEPL was bought by QIH, which further strengthened PNB Housing Finance’s position in the market. The company has consistently focused on innovation and customer satisfaction. This has earned it a reputation as a trusted name in the housing finance sector. It has a solid system of branches spread out in the country and a strong leadership team. PNB Housing Finance has continued to deliver reliable and efficient financial solutions to its customers.
Today, PNB Housing Finance offers a wide range of products, including home loans and loans against property. It also offers home improvement loans and home construction loans. The service list also includes plot loans and home extension loans. There are also services of land loans, and lease rental discounting. The company also provides fixed deposit schemes, catering to the diverse financial needs of its customers.
With over 35 years of experience, PNB Housing Finance remains committed to making home loans simpler and more accessible to its customers. The company’s headquarters is located on the 9th Floor, Antriksh Bhavan, 22 Kasturba Gandhi Marg, New Delhi, India. The management team is led by Girish Kousgi as Managing Director and CEO. The team also has Sanjay Jain as Company Secretary & Compliance Head and Anubhav Rajput as Chief Technology Officer. They continue to drive the company’s growth and success.
PNB Housing Finance’s journey is a testament to its resilience, innovation, and dedication to providing quality financial services. The company still continues to expand its footprint and enhance its product offerings. It remains a key player in India’s housing finance sector.
In recent years, the company has also focused on digital transformation initiatives to enhance customer experience and streamline operations. PNB Housing Finance leverages technology to offer seamless and efficient services. This makes the home loan process more user-friendly and accessible. The finance hub adapts continuous innovation and customer-centric strategies. The company still aims to maintain its competitive edge and continue its legacy of excellence in the housing finance industry.
The company is promoted by Punjab National Bank (PNB), one of India’s leading banks. PNB Housing Finance provides various products, including home loans, loans against property and home improvement loans. It also provides home construction loans, plot loans, and home extension loans. The services also include land loans and lease rental discounting. Additionally, the company offers fixed deposit schemes to its customers.
PNB Housing Finance is a leading player in the housing finance sector. Its comprehensive range of products and strong backing from Punjab National Bank have solidified its position as a significant entity in the financial services industry.
Promoter shareholding is held by Punjab National Bank at 28.13%, ensuring a stable and reliable foundation for the company. The registered office is located at Sahakar Bazaar Building, 1st Floor, Guru Nanak Marg, Mumbai, Maharashtra 400050. Link Intime India Private Ltd serves as the company’s registrar.
Here are the top managing promoters of the company:
- Girish Kousgi
- R Chandrasekaran
- Nilesh S Vikamsey
- Atul Kumar Goel
- Sunil Kaul
History of the company
PNB Housing Finance Limited was incorporated on November 11, 1988. It is a private limited company under the Companies Act 1956. The company has grown to become a significant player in the Indian housing finance sector. Initially, it was known as PNB Housing Finance Private Limited. Punjab National Bank (PNB), one of India’s leading banks, promoted the company. Over the years, PNB Housing Finance has expanded its product offerings and strengthened its market presence.In 2009, Destimoney Enterprises Private Limited (DEPL) got a 26% stake in PNB Housing Finance. This marks a significant milestone in the company’s journey. This partnership helped the company enhance its capabilities and expand its reach. The following year, PNB Housing Finance launched a business process re-engineering project called "Kshitij." The project aimed to streamline operations and improve efficiency.
By 2011, the company introduced a new brand image and implemented a robust and scalable target operating model (TOM). In 2012, DEPL raised its stake from 26% to 49%, further solidifying its commitment to the company’s growth. PNB Housing Finance continued to grow, and by 2014, its assets under management (AUM) crossed INR 10,000 crore.
In 2015, DEPL was bought by QIH, which further strengthened PNB Housing Finance’s position in the market. The company has consistently focused on innovation and customer satisfaction. This has earned it a reputation as a trusted name in the housing finance sector. It has a solid system of branches spread out in the country and a strong leadership team. PNB Housing Finance has continued to deliver reliable and efficient financial solutions to its customers.
Today, PNB Housing Finance offers a wide range of products, including home loans and loans against property. It also offers home improvement loans and home construction loans. The service list also includes plot loans and home extension loans. There are also services of land loans, and lease rental discounting. The company also provides fixed deposit schemes, catering to the diverse financial needs of its customers.
With over 35 years of experience, PNB Housing Finance remains committed to making home loans simpler and more accessible to its customers. The company’s headquarters is located on the 9th Floor, Antriksh Bhavan, 22 Kasturba Gandhi Marg, New Delhi, India. The management team is led by Girish Kousgi as Managing Director and CEO. The team also has Sanjay Jain as Company Secretary & Compliance Head and Anubhav Rajput as Chief Technology Officer. They continue to drive the company’s growth and success.
PNB Housing Finance’s journey is a testament to its resilience, innovation, and dedication to providing quality financial services. The company still continues to expand its footprint and enhance its product offerings. It remains a key player in India’s housing finance sector.
In recent years, the company has also focused on digital transformation initiatives to enhance customer experience and streamline operations. PNB Housing Finance leverages technology to offer seamless and efficient services. This makes the home loan process more user-friendly and accessible. The finance hub adapts continuous innovation and customer-centric strategies. The company still aims to maintain its competitive edge and continue its legacy of excellence in the housing finance industry.
FAQ’s
What is the share price of PNB Housing Finance Ltd today?
PNB Housing Finance Ltd share price as on 18 Nov 2025 is ₹ 934.65
What is the Market Cap of PNB Housing Finance Ltd?
The market cap of PNB Housing Finance Ltd stock is ₹23,905.57 Cr.
What is the PE Ratio of PNB Housing Finance Ltd?
The Price to Earnings (P/E) Ratio of PNB Housing Finance Ltd is 11.76
What is the PB Ratio of PNB Housing Finance Ltd?
The Price to Book (P/B) Ratio of PNB Housing Finance Ltd is 1.36
What is the 52 week high of PNB Housing Finance Ltd Share Price?
The 52 week high of PNB Housing Finance Ltd share price stands at ₹1,141.90
What is the 52 week low of PNB Housing Finance Ltd Share Price?
The 52 week low of PNB Housing Finance Ltd share price stands at ₹746.70
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