What was PNB Housing Finance's revenue in Q4 FY26?

PNB Housing Finance reported revenue of — in Q4 FY26, a — change year-over-year.

Did PNB Housing Finance management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

PNB Housing Finance Q4 FY26 Research Workspace: Revenue — (—)

Q: What guidance did PNB Housing Finance management give?

Retail loan book growth 18-20% in FY27: Management expects retail loan book to grow 18-20% in FY27, crossing ₹1 lakh crore.

Revenue —

EBITDA —

PAT ₹656 Cr +18%

EBITDA Margin —

Duration 52 min

Read Time 1 min read

✓ Verified against BSE filing

2-Minute Summary

✦ AI-Generated from Full Transcript

PNB Housing Finance delivered a strong Q4 FY26 with retail loan book growing 16% YoY to ₹86,946 crore and PAT up 18% YoY to ₹2,291 crore for the full year. Disbursements surged 36% YoY 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% to 0.93%. Management guided for retail loan book growth of 18-20% 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.

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Risk Intelligence

Geopolitical impact on inflation and interest rates

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Quarter Snapshot

Retail Loan Book ₹86,946 Cr

+16% YoY

Retail loan book grew 16% year-on-year to ₹86,946 crore as of March 2026.

GNPA 0.93%

-7bps YoY

Gross NPA improved to 0.93% from 1.00% a year ago, crossing sub-1% milestone.

Affordable + Emerging Mix 40%

+3pp YoY

Share of affordable and emerging market segments in retail loan book increased to 40% from 37%.

Disbursements Q4 ₹9,355 Cr

+36% YoY

Quarterly disbursements grew 36% year-on-year, driven by strong performance across segments.

Fast read

Guidance and risk preview

Top guidance Retail loan book growth 18-20% in FY27

Management expects retail loan book to grow 18-20% in FY27, crossing ₹1 lakh crore.

Top risk Geopolitical impact on inflation and interest rates

Ongoing geopolitical conflict may keep crude oil prices elevated, leading to higher inflation and interest rates, which could marginally impact ass...