PNB Housing Finance Limited successfully completed its participation in the Goldman Sachs 2026 Asia Financials Corporate Day on February 2, 2026. The housing finance company conducted virtual investor meetings from its Gurugram office, engaging with 13 institutional investors and fund managers through one-on-one and group sessions.

Meeting Execution and Participants

The investor engagement sessions were conducted from 2:00 PM to 4:00 PM IST, with senior management including MD & CEO Ajai Kumar Shukla, CFO Vinay Gupta, and Head of Corporate Planning & Investor Relations Chaitanya Yadav representing the company. The meetings covered business strategy, margins, asset quality, government schemes return profile, and future outlook.

The company confirmed that no unpublished price sensitive information was shared during the meetings, with discussions focusing on topics already covered in investor presentations, earnings call recordings, press releases, and other public disclosures submitted to stock exchanges.

Institutional Investor Participation

The event attracted participation from prominent global and domestic institutional investors, demonstrating strong interest in the company's growth story and financial performance.

Strong Q3 FY26 Performance Foundation

The investor meetings were supported by PNB Housing Finance's robust Q3 FY26 performance, with retail loan assets reaching INR 81,931 crore, marking 16% year-on-year growth. The company's diversified portfolio spans Affordable, Emerging Markets, and Prime segments, with the Affordable segment showing exceptional 86% year-on-year growth.

The company maintained stable asset quality with gross NPA at 1.04% as of December 31, 2025, and achieved net profit after tax of INR 521 crore for Q3 FY26, reflecting 8% year-on-year growth. Total disbursements reached INR 6,217 crore, representing 16% year-on-year growth.

Regulatory Compliance and Disclosure

The company filed the meeting outcome with BSE Limited (Scrip Code: 540173) and National Stock Exchange of India Limited (Symbol: PNBHOUSING) under reference number PNBHFL/SE/EQ/FY2025-26/139. This disclosure was made pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, ensuring full transparency with stakeholders.

PNB Housing Finance continues to maintain its expanded network of 358 branches and outreaches as of December 31, 2025, serving over 3,60,000 live loan accounts with a geographically diversified presence across key states including Maharashtra, Delhi NCR, Tamil Nadu, Karnataka, and Telangana.

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.