PNB Housing Finance

PNB Housing Finance delivered a strong Q4 FY26 with retail loan book growing 16% YoYCurrent reported value: 16% YoY. No comparable prior figure is available in the source record. to ₹86,946 crCurrent ₹86,946 Cr. Reported change: +16% YoY.ore and PAT up 18% YoYCurrent reported value: 18% YoY. No comparable prior figure is available in the source record. to ₹2,291 crore for the full year. Disbursements surged 36% YoYCurrent reported value: 36% YoY. No comparable prior figure is available in the source record. in Q4, driven by a rebound in affordable housing (up 69% QoQ) and strong emerging market growth. Asset quality improved with GNPA falling below 1%Current reported value: 1%. No comparable prior figure is available in the source record. to 0.93%Current 0.93%. Reported change: -7bps YoY.. Management guided for retail loan book growth of 18-20%Current reported value: 18-20%. No comparable prior figure is available in the source record. in FY27, with NIM in the 3.55-3.65% range and ROA of 2.4-2.5%. Key risks include geopolitical tensions impacting inflation and interest rates, and potential normalization of credit cost as recoveries taper.