PNB Housing Finance announced Q1FY27 results Consolidated Financial Results: Total Revenue from operations for Q1FY27 was Rs 2,263.44 crore, representing a YoY increase of 9.02% from Rs 2,076.11 crore in Q1FY26 and a QoQ increase of 3.75% from Rs 2,181.53 crore in Q4FY26. Total Income for the quarter stood at Rs 2,265.36 crore in Q1FY27, up 8.81% YoY compared to Rs 2,081.87 crore in Q1FY26 and up 4.30% QoQ from Rs 2,171.91 crore in Q4FY26. Interest Income, a major component of revenue, reached Rs 2,138.43 crore in Q1FY27, showing a growth of 7.98% YoY from Rs 1,980.35 crore in Q1FY26 and a 4.11% QoQ increase from Rs 2,053.98 crore in Q4FY26. Net Profit After Tax (PAT) for Q1FY27 was Rs 557.34 crore, reflecting a YoY growth of 4.47% compared to Rs 533.50 crore in Q1FY26, but a QoQ decrease of 15.01% from Rs 655.80 crore in Q4FY26. Fees and commission income for the quarter was Rs 121.78 crore in Q1FY27, compared to Rs 81.71 crore in Q1FY26 and Rs 122.04 crore in Q4FY26. Earnings Per Share (EPS) for the quarter stood at Rs 21.39 (Basic) and Rs 21.33 (Diluted) in Q1FY27, compared to Rs 20.52 (Basic) and Rs 20.45 (Diluted) in Q1FY26. Standalone Financial Results: Total Revenue from operations for the standalone entity was Rs 2,252.50 crore in Q1FY27, a YoY increase of 9.14% from Rs 2,063.88 crore in Q1FY26 and a QoQ increase of 3.81% from Rs 2,169.86 crore in Q4FY26. Total Income for Q1FY27 was reported at Rs 2,255.37 crore, marking a YoY growth of 8.92% from Rs 2,070.61 crore in Q1FY26 and a QoQ growth of 4.40% from Rs 2,160.41 crore in Q4FY26. Standalone Net Profit After Tax (PAT) stood at Rs 554.50 crore for Q1FY27, an increase of 4.28% YoY from Rs 531.73 crore in Q1FY26, while recording a QoQ decline of 14.52% from Rs 648.70 crore in Q4FY26. Standalone Interest Income for the quarter was Rs 2,127.54 crore in Q1FY27, compared to Rs 1,968.26 crore in Q1FY26. Business Highlights: Asset Quality: The Consolidated Gross Non-Performing Asset (GNPA) ratio stood at 0.95% as of June 30, 2026, while the Net Non-Performing Asset (NNPA) ratio was 0.58%. Provisioning: The Provision Coverage Ratio (PCR) for the consolidated entity was 39.43% for Q1FY27. Capital and Liquidity: As of June 30, 2026, the standalone Capital to Risk-weighted Assets Ratio (CRAR) was 28.26%, and the Liquidity Coverage Ratio reached 146.17%. Asset Base: The consolidated Net Worth of the company was Rs 19,793.50 crore as of June 30, 2026. The Debt-Equity ratio for the same period was 3.72. Co-lending Operations: As of Q1FY27, the company had 1 co-lending partner with 219 outstanding accounts and an aggregate principal outstanding of Rs 70.57 crore. Asset Assignments: During Q1FY27, the company acquired loans (not in default) totaling Rs 147.25 crore through assignment deals. No loans were transferred during the quarter. Project Finance: At the end of Q1FY27, the company had one project under implementation with a total outstanding of Rs 25.00 crore. Security Cover: The secured non-convertible debt securities issued by the company maintain a security coverage of 1.09 times as of June 30, 2026. Fund Raising: The company raised Rs 500.14 crore through the private placement of listed, secured, rated, taxable, redeemable Non-Convertible Debentures on June 09, 2026. Impairment Reversal: The consolidated results include a net reversal of impairment allowance/bad debts amounting to Rs 29.14 crore in Q1FY27, compared to a reversal of Rs 56.22 crore in Q1FY26. Ajai Shukla, Managing Director & CEO said: “We have started FY27 on a steady note, with AUM growing 13% YoY to Rs 93,021 crore and our Retail loan book growing 16% YoY. The Affordable and Emerging Markets segments continued to be key growth driver, registering 27% growth and contributing 41% to the Retail loan book. Asset quality continued to be strong, with GNPA at 0.95%, while healthy recoveries from the written-off pool supported our profitability. We remain focused on strengthening our distribution network and digital capabilities. Our ongoing digital transformation initiatives across sourcing, underwriting, servicing and collections are helping enhance customer experience, improve operational efficiency and support scalable growth. Backed by a strong capital position and prudent risk management practices, we remain well positioned to drive sustainable growth and create long-term value for our stakeholders.” Result PDF
Conference Call with PNB Housing Finance Management and Analysts on Q1FY27 Performance and Outlook. Listen to the full earnings transcript.