'PNB Housing Finance conducted a conference call on 22 January 2026 to discuss its financial results for the quarter ended December 2025. Ajai Kumar Shukla, MD& CEO of the company addressed the call:
Highlights:
The retail loan book grew by 16% yoy to 81931 crore at end December 2025. The total loan book of the company increased 14% to Rs 82203 crore at end December 2025.
The affordable and emerging market segments now account for almost 39% of the retail loan book. The company expects to raise the number to 45-50%.
With continued focus on collections, the credit cost for Q3FY26 remained negative at (-) 19 bps.
The gross NPA stood at 1.04% at end December 2025.
The affordable portfolio continues to season. The company has witnessed some uptick in delinquencies but remained well within industry benchmark for the affordable housing segment.
The company remains deeply focused on maintaining portfolio discipline and continues to w...
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