PNB Housing Finance Reports 24% Q2 Profit Increase to ₹582 Crore
PNB Housing Finance has announced a 24% increase in its net profit to ₹582 crore for the second quarter ended September 2025, driven by strong performance in the affordable and emerging market segments.
Pnb Housing FinanceQ2 ProfitAffordable HousingMarket SegmentCapital AdequacyReal Estate NewsOct 27, 2025
The company's total income for the quarter grew to ₹2,131 crore, a significant increase from ₹1,880 crore recorded in the corresponding period last year. This growth can be attributed to higher interest income, which rose to ₹2,017 crore from ₹1,780 crore in the year-ago period.
Net interest income, a key metric for financial health, also saw a robust 14% increase to ₹765 crore, up from ₹669 crore in the second quarter of the previous year. Despite this growth, the net interest margin (NIM) moderated marginally to 3.67% from 3.68% in the same period last year, indicating a slight pressure on margins.
The company's asset quality continued to improve, with gross non-performing assets (NPAs) decreasing to 1.04% from 1.24% at the end of September 2024. This reduction in NPAs is a positive sign, reflecting effective risk management and loan recovery strategies.
PNB Housing Finance has consistently focused on the affordable and emerging market segments, which continue to contribute 50% of the total retail disbursements. This strategic focus has been pivotal in driving growth and ensuring a diversified customer base.
The company's capital adequacy ratio (CAR) stood at a strong 29.80% as of September 30, 2025, with Tier I capital at 29.21%. This robust capital position provides a solid financial buffer and enhances the company's ability to support future growth and expansion plans.
In summary, PNB Housing Finance's strong financial performance in Q2 is a testament to its effective business strategies and strong market positioning. The company is well-placed to continue its growth trajectory in the coming quarters.
Frequently Asked Questions
What was PNB Housing Finance's net profit for Q2 2025?
PNB Housing Finance's net profit for Q2 2025 was ₹582 crore.
How much did PNB Housing Finance's total income grow in Q2 2025 compared to the same quarter last year?
PNB Housing Finance's total income grew to ₹2,131 crore in Q2 2025, up from ₹1,880 crore in the same quarter of the previous year.
What is the net interest margin (NIM) for PNB Housing Finance in Q2 2025?
The net interest margin (NIM) for PNB Housing Finance in Q2 2025 was 3.67%.
How has the company's gross non-performing assets (NPAs) changed from the previous year?
PNB Housing Finance's gross non-performing assets (NPAs) decreased to 1.04% in Q2 2025 from 1.24% at the end of September 2024.
What is the capital adequacy ratio (CAR) of PNB Housing Finance as of September 30, 2025?
PNB Housing Finance's capital adequacy ratio (CAR) as of September 30, 2025, was 29.80%.
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