PNB HOUSING FIN LTD. (PNBHOUSING) financials

PNB HOUSING FIN LTD. (PNBHOUSING) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

PNB Housing Finance offers retail customers housing and non-housing loans, including individual home loans, loan against property, non-resident property loan, among others. It is promoted by Punjab National Bank.[1]

Market Cap: ₹30,454Cr.
Current Price: ₹1,168
Stock P/E: 13.0
ROE: 12.9%
ROCE: 9.44%
Book Value: ₹738
Dividend Yield: 0.69%
52W High / Low: ₹1,225/730

In Jun 2026, PNB HOUSING FIN LTD. (PNBHOUSING) reported sales ₹2,252 Cr and net profit ₹554 Cr.

Annual TTM: sales ₹8,700 Cr, net profit ₹2,351 Cr.

Shareholding: Promoters 28.03% (Jun 2026), FIIs 16.81% (Jun 2026), DIIs 45.71% (Jun 2026), Government 0.02% (Jun 2026), Public 9.42% (Jun 2026).

PNBHOUSING quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	1,868	1,923	2,030	2,064	2,168	2,110	2,170	2,252
Interest	1,119	1,158	1,178	1,235	1,267	1,253	1,246	1,339
Expenses	130	149	125	136	84	174	49	185
Financing Profit	619	615	726	693	816	683	874	728
Financing Margin %	33%	32%	36%	34%	38%	32%	40%	32%
Other Income	2	2	15	7	4	2	-9	3
Depreciation	14	14	14	15	16	16	19	16
Profit before tax	607	603	727	686	804	669	846	715
Tax %	22%	22%	22%	22%	22%	22%	23%	22%
Net Profit	472	471	567	532	626	521	649	554
EPS in Rs	18.15	18.14	21.82	20.44	24.05	20.00	24.90	21.28
Gross NPA %	1.24%	1.19%	1.08%	1.06%	1.04%	1.04%	0.93%	0.95%
Net NPA %	0.84%	0.80%	0.69%	0.69%	0.69%	0.68%	0.57%	0.58%
Raw PDF	—	—	—	—	—	—	—	—

PNBHOUSING profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	8,478	7,565	6,141	6,491	7,016	7,651	8,500	8,700
Interest	5,876	5,100	4,066	3,901	4,264	4,553	5,002	5,106
Expenses	1,719	1,235	964	1,173	737	557	442	493
Financing Profit	884	1,230	1,111	1,416	2,015	2,542	3,057	3,101
Financing Margin %	10%	16%	18%	22%	29%	33%	36%	36%
Other Income	7	15	5	2	7	10	13	-1
Depreciation	66	59	53	51	51	56	66	68
Profit before tax	825	1,187	1,063	1,367	1,972	2,496	3,004	3,033
Tax %	17%	22%	23%	23%	23%	22%	22%	—
Net Profit	682	925	822	1,056	1,527	1,949	2,328	2,351
EPS in Rs	26.39	35.78	31.72	40.70	58.81	74.98	89.34	90.23
Dividend Payout %	0%	0%	0%	0%	0%	7%	9%	—

PNBHOUSING balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	167	168	168	169	169	260	260	261
Reserves	7,268	7,779	8,699	9,632	10,784	14,673	16,574	18,965
Borrowing	71,859	67,736	59,394	53,005	53,621	55,017	62,310	71,199
Other Liabilities	4,456	3,191	3,072	2,844	2,231	2,422	3,353	3,109
Total Liabilities	83,750	78,874	71,333	65,649	66,805	72,371	82,497	93,533
Fixed Assets	102	250	181	150	146	206	239	273
CWIP	5	4	2	4	3	15	16	6
Investments	4,457	2,048	2,033	3,472	3,188	4,345	3,381	2,777
Other Assets	79,185	76,572	69,117	62,024	63,468	67,804	78,861	90,477
Total Assets	83,750	78,874	71,333	65,649	66,805	72,371	82,497	93,533

PNBHOUSING cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-16,626	8,911	6,731	6,218	-1,772	-4,644	-8,120	-8,973
Cash from Investing Activity	-53	-62	-6	-1,476	174	-1,193	757	736
Cash from Financing Activity	17,888	-4,362	-8,331	-6,684	301	4,179	7,404	8,720
Net Cash Flow	1,209	4,486	-1,606	-1,942	-1,297	-1,659	41	483
Free Cash Flow	-16,679	8,849	6,725	6,203	-1,786	-4,683	-8,168	-9,005

PNBHOUSING shareholding pattern (%)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	28.11%	28.11%	28.10%	28.08%	28.04%	28.04%	28.04%	28.03%
FIIs	20.42%	24.34%	21.45%	24.18%	18.61%	17.22%	16.60%	16.81%
DIIs	22.17%	26.85%	29.88%	37.99%	40.68%	43.02%	44.07%	45.71%
Government	0.00%	0.00%	0.00%	0.01%	0.01%	0.02%	0.02%	0.02%
Public	29.29%	20.69%	20.57%	9.74%	12.65%	11.69%	11.28%	9.42%
No. of Shareholders	1,58,799	1,83,482	1,82,070	1,87,526	2,24,183	1,99,930	1,92,512	1,71,742

PNBHOUSING key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	15%	9%	11%	9%	10%	12%	12%	13%

PNBHOUSINGUpdated 19 Oct 2026, 5:57

Pnb Housing Fin Ltd.

PNBHOUSINGUpdated 19 Oct 2026, 5:57

Market Cap

₹30,454Cr.

Current Price

₹1,168

High / Low

₹1,225/730

Stock P/E

13.0

ROE12.9%

ROCE9.44%

Book Value₹738

Face Value₹10.0

Dividend Yield0.69%

About

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	1699	1048	187	464	27	0	13	451	22	353	13.59	3.76	2.58
Sep 2023	1766	1058	190	519	29	2	11	509	24	384	14.81	1.78	1.19
Dec 2023	1748	1087	206	455	26	3	13	445	22	347	13.34	1.73	1.14
Mar 2024	1801	1070	156	575	32	5	14	566	22	444	17.09	1.5	0.95
Jun 2024	1813	1097	153	563	31	9	13	559	21	439	16.89	1.35	0.92
Sep 2024	1868	1119	130	619	33	2	14	607	22	472	18.15	1.24	0.84
Dec 2024	1923	1158	149	615	32	2	14	603	22	471	18.14	1.19	0.8
Mar 2025	2030	1178	125	726	36	15	14	727	22	567	21.82	1.08	0.69
Jun 2025	2064	1235	136	693	34	7	15	686	22	532	20.44	1.06	0.69
Sep 2025	2168	1267	84	816	38	4	16	804	22	626	24.05	1.04	0.69
Dec 2025	2110	1253	174	683	32	2	16	669	22	521	20	1.04	0.68
Mar 2026	2170	1246	49	874	40	-9	19	846	23	649	24.9	0.93	0.57
Jun 2026	2252	1339	185	728	32	3	16	715	22	554	21.28	0.95	0.58

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2015	1780	1265	213	303	17	0	8	294	34	194	9.95
Mar 2016	2698	1860	320	518	19	1	15	503	35	326	16.73
Mar 2017	3908	2644	442	822	21	0	19	804	35	524	20.57
Mar 2018	5488	3537	693	1258	23	0	24	1235	32	842	32.9
Mar 2019	7481	5167	708	1606	21	4	31	1578	31	1081	42.01
Mar 2020	8478	5876	1719	884	10	7	66	825	17	682	26.39
Mar 2021	7565	5100	1235	1230	16	15	59	1187	22	925	35.78
Mar 2022	6141	4066	964	1111	18	5	53	1063	23	822	31.72
Mar 2023	6491	3901	1173	1416	22	2	51	1367	23	1056	40.7
Mar 2024	7016	4264	737	2015	29	7	51	1972	23	1527	58.81
Mar 2025	7651	4553	557	2542	33	10	56	2496	22	1949	74.98
Mar 2026	8500	5002	442	3057	36	13	66	3004	22	2328	89.34
TTM	8700	5106	493	3101	36	-1	68	3033	—	2351	90.23

Shareholding pattern

As of Jun 2026%

Holder	Share
Promoters	28.03%
FIIs	16.81%
DIIs	45.71%
Government	0.02%
Public	9.42%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Government	Public
Sep 2023	28.14%	24.81%	7.72%	0%	39.32%
Dec 2023	28.13%	24.7%	7.86%	0%	39.32%
Mar 2024	28.13%	25%	6.88%	0%	39.98%
Jun 2024	28.13%	17.89%	10.95%	0%	43.04%
Sep 2024	28.11%	20.42%	22.17%	0%	29.29%
Dec 2024	28.11%	24.34%	26.85%	0%	20.69%
Mar 2025	28.1%	21.45%	29.88%	0%	20.57%
Jun 2025	28.08%	24.18%	37.99%	0.01%	9.74%
Sep 2025	28.04%	18.61%	40.68%	0.01%	12.65%
Dec 2025	28.04%	17.22%	43.02%	0.02%	11.69%
Mar 2026	28.04%	16.6%	44.07%	0.02%	11.28%
Jun 2026	28.03%	16.81%	45.71%	0.02%	9.42%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2015	104	1475	976	19035	40	18	1586	17392	19035
Mar 2016	127	2019	1511	29671	58	4	1622	27987	29671
Mar 2017	166	5412	1885	42960	58	2	3280	39620	42960
Mar 2018	167	6402	2673	63018	255	10	2413	60340	63018
Mar 2019	167	7268	4456	83750	102	5	4457	79185	83750
Mar 2020	168	7779	3191	78874	250	4	2048	76572	78874
Mar 2021	168	8699	3072	71333	181	2	2033	69117	71333
Mar 2022	169	9632	2844	65649	150	4	3472	62024	65649
Mar 2023	169	10784	2231	66805	146	3	3188	63468	66805
Mar 2024	260	14673	2422	72371	206	15	4345	67804	72371
Mar 2025	260	16574	3353	82497	239	16	3381	78861	82497
Mar 2026	261	18965	3109	93533	273	6	2777	90477	93533

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2015	-6791	-37	6850	22
Mar 2016	-9664	-20	9804	120
Mar 2017	-12406	-17	12322	-101
Mar 2018	-15664	-50	18464	2751
Mar 2019	-16626	-53	17888	1209
Mar 2020	8911	-62	-4362	4486
Mar 2021	6731	-6	-8331	-1606
Mar 2022	6218	-1476	-6684	-1942
Mar 2023	-1772	174	301	-1297
Mar 2024	-4644	-1193	4179	-1659
Mar 2025	-8120	757	7404	41
Mar 2026	-8973	736	8720	483

Key ratios

Historical financial ratios

Category	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	15%	18%	14%	14%	15%	9%	11%	9%	10%	12%	12%	13%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of PNB HOUSING FIN LTD. (PNBHOUSING)?

The reported market capitalisation for PNB HOUSING FIN LTD. (PNBHOUSING) is ₹30,454Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of PNBHOUSING?

The current price shown for PNB HOUSING FIN LTD. (PNBHOUSING) on Fincrux is ₹1,168 with a 52-week high/low of ₹1,225/730.

What is the P/E ratio of PNB HOUSING FIN LTD. (PNBHOUSING)?

The stock P/E for PNB HOUSING FIN LTD. (PNBHOUSING) is 13.0 on Fincrux, with ROE at 12.9% and ROCE at 9.44%.

What were PNBHOUSING latest quarterly results?

For Jun 2026, PNB HOUSING FIN LTD. (PNBHOUSING) reported sales ₹2,252 Cr and net profit ₹554 Cr (figures in ₹ crore unless noted).

What are PNBHOUSING annual sales and net profit?

For TTM, PNB HOUSING FIN LTD. (PNBHOUSING) shows sales of ₹8,700 Cr and net profit of ₹2,351 Cr on the Fincrux profit & loss statement.

Who owns PNB HOUSING FIN LTD. (PNBHOUSING)?

Latest shareholding for PNB HOUSING FIN LTD. (PNBHOUSING) on Fincrux: Promoters 28.03% (Jun 2026), FIIs 16.81% (Jun 2026), DIIs 45.71% (Jun 2026), Government 0.02% (Jun 2026), Public 9.42% (Jun 2026).

Where can I find PNB HOUSING FIN LTD. (PNBHOUSING) financials?

PNB HOUSING FIN LTD. (PNBHOUSING) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show PNBHOUSING balance sheet and cash flow?

Yes. The PNB HOUSING FIN LTD. (PNBHOUSING) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 19 October 2026 at 5:57