Q1-FY27 · Ajay Kumar Shukla
We expect that margin has bottomed out and from second half onward gradually there should be improvement in margin. Yield is also bottomed out and it would improve by change in mix.
PNBHOUSING / language trends
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PNB Housing Finance · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q1-FY27 · Vinay Gupta
Whatever impact we have witnessed is a combination of prime, emerging and retail because in retail business we have migrated from check handover to debit from our account.
Q1-FY27 · Ajay Kumar Shukla
We are expecting very soon from KRa and Crisil and [rating upgrade] is underway. So all this if affordable momentum picks up this year, next year and the rating upgrades come through, there is upside risk to our ROA for next year.
Q2-FY26 · Girish Kumar
Leadership transitions are never easy especially after a phase of success and momentum but yet what has stood out is sheer resilience and responsibility of PNB housing's leadership team that the business remains steadfast and we have delivered on all the parameters as expected.
Q2-FY26 · Wali Shaker
The portfolio is maturing and we are in the affordable business of handling EWS, LIG and we are getting into tier three and tier four markets. We are getting into informal segments. We are getting into high yield products. So this spike is going to be there.
Q2-FY26 · Wali Shaker
We have internally kept in mind that we will not cross self-employed at any point of time more than 45 to 50% which we have kept it within which we have kept for ourselves and same informal we have kept in mind that we will not cross more than 35 to 40% at any point of time.
Q3-FY26 · Rajay Kumar Shukla
We don't foresee any increase in any of the segments. We are adequately provisioned across all the stages and that may continue.
Q3-FY26 · Rajay Kumar Shukla
The kind of yield and the NIM we will get in construction finance and my small emerging developer funding... I think we are very pretty much confident that we'll be able to do it because the scale up business will also help us because once the business scales up your cost always goes down.
Q3-FY26 · Vinay Pathak
Large part of this is on account of BT outs and the increase is actually on account of BT outs... this challenge is not with us I think this is industry challenge which industry is facing whenever there is a sharp rate cut you will see this trend.