Retail loan book growth 18-20% in FY27
Management expects retail loan book to grow 18-20% in FY27, crossing ₹1 lakh crore.
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PNB Housing Finance · forward-looking guidance across the available source record.
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growth
NIM guidance 3.55-3.65% for FY27
Net interest margin is expected to be in the range of 3.55% to 3.65% for FY27.
ROA guidance 2.4-2.5% for FY27
Return on assets is guided at 2.4% to 2.5% for FY27, factoring in negative credit cost of 15-20 bps.
Credit cost to remain negative at 15-20 bps in FY27
Credit cost is expected to be negative 15-20 bps in FY27 due to recoveries from return of pool accounts.