PNB Housing Finance Limited has announced its participation in the Goldman Sachs 2026 Asia Financials Corporate Day, scheduled for February 2, 2026. The housing finance company will conduct investor meetings in virtual format from its Gurugram office, providing stakeholders with insights into its business performance and strategic outlook.

Meeting Details and Format

The investor engagement will feature both one-on-one and group meetings with institutional investors and analysts. Company officials will utilize updated investor presentations during these sessions, which are also accessible on the company's official website at https://www.pnbhousing.com/investor-relations/investor-presentation/ .

The company has indicated that the schedule may undergo changes due to exigencies on the part of attendees or the company. This intimation has been made pursuant to Regulation 30 read with Schedule III of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015.

Strong Q3 FY26 Performance Highlights

PNB Housing Finance demonstrated robust performance in Q3 FY26, with retail loan assets reaching INR 81,931 crore, marking a significant 16% year-on-year growth and 3% quarter-on-quarter increase. The company's diversified portfolio spans three key segments: Affordable, Emerging Markets, and Prime.

The company maintained stable asset quality with gross NPA at 1.04% as of December 31, 2025, compared to 1.19% in the previous year. Total disbursements for Q3 FY26 reached INR 6,217 crore, representing 16% year-on-year growth and 4% quarter-on-quarter increase.

Financial Performance and Asset Quality

PNB Housing Finance reported strong financial metrics for the nine-month period ending December 2025. The company achieved a Return on Assets (ROA) of 2.57% for 9M FY26, compared to 2.55% for FY25. Net profit after tax for Q3 FY26 stood at INR 521 crore, reflecting 8% year-on-year growth.

The company recovered INR 49 crore in Q3 FY26 and INR 165 crore in 9M FY26 from its total written-off pool, demonstrating effective collection strategies. Operating expenses included a one-time estimated financial impact of the New Labour Code amounting to INR 6 crore in Q3 FY26.

Business Expansion and Network Growth

The housing finance company has expanded its office network to 358 branches and outreaches as of December 31, 2025, compared to 305 in the previous year. The company serves over 3,60,000 live loan accounts with average ticket sizes of INR 29 lakh for Individual Housing loans and INR 25 lakh for Retail Non-Housing loans.

PNB Housing Finance maintains a geographically diversified presence with Maharashtra (19.8%), Delhi NCR (12.2%), Tamil Nadu (12.1%), Karnataka (9.0%), and Telangana (8.8%) representing the top five states by retail loan asset share. The company continues to focus on the Affordable and Emerging Markets segments, which contribute 50% of retail disbursements.

PNB Housing Finance has maintained its key financial guidance during a recent conference call, reaffirming its commitment to previously announced growth targets and margin expectations.

Retail Book Growth Guidance

The housing finance company has kept its retail book growth forecast unchanged at 17-18%. This guidance reflects the company's expectations for expansion in its core retail lending business, which forms a significant portion of its overall loan portfolio.

Net Interest Margin Outlook

PNB Housing Finance has maintained its Net Interest Margin (NIM) guidance at 3.6-3.7%. The NIM range indicates the company's projected spread between interest earned on loans and interest paid on deposits and borrowings.

Management Commentary

The reaffirmation of these guidance figures during the conference call suggests management confidence in the company's ability to achieve these targets. The steady guidance indicates that the company sees no significant changes in market conditions or internal factors that would necessitate revising these projections.

The maintained guidance provides stakeholders with continued visibility into the company's expected financial performance trajectory, particularly in its core retail lending operations and profitability margins.