PNB Housing Finance Ltd.
PNBHOUSINGFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
30 transcript(s)/analyst meet(s) served; 1 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 30 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20190514 | 2018-03-31 | yes | |
| TRANSCRIPT | 20190805 | 2018-06-30 | yes | |
| TRANSCRIPT | 20191026 | 2018-09-30 | yes | |
| TRANSCRIPT | 20190128 | 2018-12-31 | yes | |
| TRANSCRIPT | 20200128 | 2019-03-31 | yes | |
| TRANSCRIPT | 20200618 | 2019-03-31 | yes | |
| TRANSCRIPT | 20201101 | 2019-09-30 | yes | |
| TRANSCRIPT | 20210130 | 2019-12-31 | yes | |
| TRANSCRIPT | 20210430 | 2020-03-31 | yes | |
| TRANSCRIPT | 20210809 | 2020-06-30 | yes | |
| TRANSCRIPT | 20211103 | 2020-09-30 | yes | |
| TRANSCRIPT | 20220127 | 2020-12-31 | yes | |
| COVER_LETTER | 20220428 | 2022-03-31 | no | |
| TRANSCRIPT | 20220503 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220802 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221101 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230131 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230523 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230727 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231030 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240130 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240501 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240729 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241028 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250124 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250502 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250731 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251030 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260127 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260807 | 2026-06-30 | yes |
PNBHOUSING
files as a non-banking financial company. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | nbfc |
| Scope served | consolidated |
| Panels on this page | 4 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 1,094.50 |
| 52-week range | 750.75 – 1185.0 |
| Return 1M | -7.4% |
| Return 3M | 4.76% |
| Return 1Y | 22.99% |
| Return 3Y | 65.86% |
| Return 5Y | 66.82% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Revenue from operations | 2,263.00 |
| Other income | 2.00 |
| Total income | 2,265.00 |
| Cost of materials consumed | 0.00 |
| Purchases of stock-in-trade | 0.00 |
| Changes in inventories | 0.00 |
| Employee benefit expense | 135.00 |
| Finance costs | 1,339.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.28 | -0.00 |
| institutions foreign | 0.17 | 0.00 |
| institutions domestic | 0.46 | 0.02 |
| mutual funds | 0.34 | 0.03 |
| public | 0.72 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| COVER_LETTER | 2022-03-31 | 1 |
| TRANSCRIPT | 2026-06-30 | 29 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Quarterly results, as filed
| Line | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from operations | 1,684.00 | 1,797.00 | 1,636.00 | 1,708.00 | 1,778.00 | 1,755.00 | 1,810.00 | 1,823.00 | 1,879.00 | 1,942.00 | 2,022.00 | 2,076.00 | 2,128.00 | 2,119.00 | 2,182.00 | 2,263.00 |
| Other income | -1.00 | 0.00 | 2.00 | 0.00 | 2.00 | 1.00 | 4.00 | 9.00 | 1.00 | 1.00 | 15.00 | 6.00 | 3.00 | 2.00 | -10.00 | 2.00 |
| Total income | 1,683.00 | 1,797.00 | 1,638.00 | 1,708.00 | 1,779.00 | 1,756.00 | 1,814.00 | 1,832.00 | 1,880.00 | 1,943.00 | 2,037.00 | 2,082.00 | 2,131.00 | 2,121.00 | 2,172.00 | 2,265.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 68.00 | 58.00 | 78.00 | 81.00 | 85.00 | 81.00 | 91.00 | 109.00 | 109.00 | 98.00 | 105.00 | 118.00 | 109.00 | 134.00 | 126.00 | 135.00 |
| Finance costs | 964.00 | 996.00 | 1,008.00 | 1,048.00 | 1,057.00 | 1,087.00 | 1,070.00 | 1,097.00 | 1,118.00 | 1,158.00 | 1,178.00 | 1,234.00 | 1,267.00 | 1,253.00 | 1,246.00 | 1,339.00 |
| Depreciation and amortisation | 13.00 | 13.00 | 13.00 | 13.00 | 11.00 | 13.00 | 14.00 | 13.00 | 14.00 | 14.00 | 14.00 | 15.00 | 16.00 | 16.00 | 19.00 | 16.00 |
| Other expenses | 54.00 | 105.00 | 47.00 | 56.00 | 71.00 | 72.00 | 71.00 | 67.00 | 76.00 | 90.00 | 88.00 | 80.00 | 91.00 | 86.00 | 99.00 | 83.00 |
| Total expenses | 1,343.00 | 1,430.00 | 1,295.00 | 1,261.00 | 1,272.00 | 1,316.00 | 1,254.00 | 1,278.00 | 1,275.00 | 1,327.00 | 1,326.00 | 1,394.00 | 1,371.00 | 1,452.00 | 1,317.00 | 1,547.00 |
| Profit before exceptional items and tax | 340.00 | 367.00 | 342.00 | 447.00 | 507.00 | 440.00 | 560.00 | 554.00 | 605.00 | 616.00 | 711.00 | 688.00 | 760.00 | 668.00 | 855.00 | 718.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 340.00 | 367.00 | 342.00 | 447.00 | 507.00 | 440.00 | 560.00 | 554.00 | 605.00 | 616.00 | 711.00 | 688.00 | 760.00 | 668.00 | 855.00 | 718.00 |
| Current tax | 85.00 | -17.00 | -19.00 | 108.00 | 67.00 | 114.00 | 134.00 | 146.00 | 125.00 | 131.00 | 168.00 | 132.00 | 148.00 | 144.00 | 157.00 | 154.00 |
| Deferred tax | -7.00 | 115.00 | 82.00 | -8.00 | 57.00 | -12.00 | -14.00 | -24.00 | 10.00 | 1.00 | -8.00 | 22.00 | 30.00 | 4.00 | 42.00 | 7.00 |
| Tax expense | 78.00 | 98.00 | 63.00 | 99.00 | 124.00 | 102.00 | 121.00 | 121.00 | 135.00 | 132.00 | 161.00 | 154.00 | 178.00 | 148.00 | 199.00 | 161.00 |
| Profit for the period | 263.00 | 269.00 | 279.00 | 347.00 | 383.00 | 338.00 | 439.00 | 433.00 | 470.00 | 483.00 | 550.00 | 534.00 | 582.00 | 520.00 | 656.00 | 557.00 |
| Profit attributable to owners | — | — | — | 0.00 | — | — | — | 0.00 | — | — | — | — | 0.00 | 0.00 | — | — |
| Profit attributable to non-controlling interests | — | — | — | 0.00 | — | — | — | 0.00 | — | — | — | — | 0.00 | 0.00 | — | — |
| Other comprehensive income | 51.00 | -4.00 | 20.00 | -15.00 | 7.00 | -5.00 | -3.00 | -17.00 | -4.00 | -7.00 | -42.00 | 87.00 | 9.00 | 1.00 | 49.00 | 7.00 |
| Total comprehensive income | 314.00 | 265.00 | 299.00 | 332.00 | 390.00 | 333.00 | 437.00 | 416.00 | 466.00 | 476.00 | 509.00 | 620.00 | 591.00 | 522.00 | 705.00 | 564.00 |
| Earnings per share, basic | 15.57 | 15.95 | 16.52 | 13.64 | 0.00 | 13.04 | 16.91 | 16.66 | 18.08 | 18.60 | 21.18 | 20.52 | 22.34 | 19.97 | 25.17 | 21.39 |
| Earnings per share, diluted | 15.55 | 15.94 | 16.51 | 13.63 | 0.00 | 13.00 | 16.86 | 16.61 | 18.02 | 18.53 | 21.10 | 20.45 | 22.29 | 19.93 | 25.11 | 21.33 |
| Interest earned | 1,598.00 | 1,714.00 | 1,589.00 | 1,667.00 | 1,703.00 | 1,680.00 | 1,693.00 | 1,739.00 | 1,780.00 | 1,848.00 | 1,906.00 | 1,980.00 | 2,017.00 | 2,019.00 | 2,054.00 | 2,138.00 |
| Fees and commission income | 72.00 | 66.00 | 35.00 | 32.00 | 60.00 | 74.00 | 108.00 | 75.00 | 92.00 | 88.00 | 109.00 | 82.00 | 96.00 | 95.00 | 122.00 | 122.00 |
| Net gain on fair value changes | 6.00 | 17.00 | 11.00 | 9.00 | 15.00 | 2.00 | 9.00 | 9.00 | 7.00 | 5.00 | 6.00 | 14.00 | 14.00 | 5.00 | 6.00 | 3.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Annual results, as filed
| Line | 2020-03-31 | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Revenue from operations | 8,482.00 | 7,604.00 | 6,196.00 | 6,527.00 | 7,050.00 | 7,665.00 | 8,505.00 |
| Other income | 8.00 | 20.00 | 5.00 | 2.00 | 7.00 | 26.00 | 1.00 |
| Total income | 8,490.00 | 7,624.00 | 6,201.00 | 6,530.00 | 7,057.00 | 7,692.00 | 8,505.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 233.00 | 211.00 | 217.00 | 266.00 | 337.00 | 421.00 | 487.00 |
| Finance costs | 5,875.00 | 5,100.00 | 4,064.00 | 3,899.00 | 4,261.00 | 4,551.00 | 5,000.00 |
| Depreciation and amortisation | 66.00 | 59.00 | 53.00 | 51.00 | 51.00 | 56.00 | 66.00 |
| Other expenses | 244.00 | 173.00 | 195.00 | 250.00 | 270.00 | 322.00 | 356.00 |
| Total expenses | 7,679.00 | 6,417.00 | 5,117.00 | 5,169.00 | 5,103.00 | 5,206.00 | 5,534.00 |
| Profit before exceptional items and tax | 811.00 | 1,207.00 | 1,084.00 | 1,361.00 | 1,954.00 | 2,486.00 | 2,971.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 811.00 | 1,207.00 | 1,084.00 | 1,361.00 | 1,954.00 | 2,486.00 | 2,971.00 |
| Current tax | 389.00 | 413.00 | 249.00 | 88.00 | 423.00 | 570.00 | 581.00 |
| Deferred tax | -224.00 | -136.00 | -2.00 | 227.00 | 23.00 | -20.00 | 98.00 |
| Tax expense | 165.00 | 277.00 | 247.00 | 315.00 | 446.00 | 550.00 | 679.00 |
| Profit for the period | 646.00 | 930.00 | 836.00 | 1,046.00 | 1,508.00 | 1,936.00 | 2,291.00 |
| Profit attributable to owners | — | 0.00 | 0.00 | — | — | — | — |
| Profit attributable to non-controlling interests | — | 0.00 | 0.00 | — | — | — | — |
| Other comprehensive income | -55.00 | -21.00 | 97.00 | 77.00 | -16.00 | -70.00 | 147.00 |
| Total comprehensive income | 591.00 | 909.00 | 934.00 | 1,123.00 | 1,492.00 | 1,866.00 | 2,438.00 |
| Earnings per share, basic | 38.45 | 55.29 | 49.64 | 62.01 | 58.37 | 74.52 | 88.01 |
| Earnings per share, diluted | 38.41 | 55.26 | 49.53 | 61.95 | 58.20 | 74.25 | 87.80 |
| Interest earned | 7,688.00 | 7,190.00 | 5,822.00 | 6,199.00 | 6,742.00 | 7,274.00 | 8,071.00 |
| Fees and commission income | 299.00 | 181.00 | 263.00 | 283.00 | 273.00 | 364.00 | 394.00 |
| Net gain on fair value changes | 159.00 | 162.00 | 111.00 | 34.00 | 35.00 | 27.00 | 39.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Total assets | 64,465.00 | 66,874.00 | 70,313.00 | 72,405.00 | 75,178.00 | 82,520.00 | 85,756.00 | 93,512.00 |
| Property, plant and equipment | 68.00 | 132.00 | 65.00 | 67.00 | 70.00 | 82.00 | 223.00 | 241.00 |
| Capital work-in-progress | 0.00 | 0.00 | 0.00 | 5.00 | 7.00 | 5.00 | 3.00 | 1.00 |
| Goodwill | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other intangible assets | 16.00 | 14.00 | 14.00 | 17.00 | 16.00 | 24.00 | 26.00 | 32.00 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and cash equivalents | 3,246.00 | 3,678.00 | 3,921.00 | 2,142.00 | 2,064.00 | 2,160.00 | 1,331.00 | 2,483.00 |
| Total equity and liabilities | 64,465.00 | 66,874.00 | 70,313.00 | 72,405.00 | 75,178.00 | 82,520.00 | 85,756.00 | 93,512.00 |
| Equity | 10,438.00 | 11,014.00 | 14,210.00 | 14,974.00 | 15,868.00 | 16,863.00 | 17,971.00 | 19,219.00 |
| Equity share capital | 169.00 | 169.00 | 260.00 | 260.00 | 260.00 | 260.00 | 261.00 | 261.00 |
| Other equity | 10,270.00 | 10,845.00 | 13,950.00 | 14,715.00 | 15,608.00 | 16,603.00 | 17,710.00 | 18,959.00 |
| Total liabilities | 54,027.00 | — | — | — | — | 65,657.00 | 67,786.00 | 74,293.00 |
Cash flow, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -351.00 | -1,865.00 | -1,152.00 | -4,662.00 | -2,746.00 | -8,057.00 | -3,871.00 | -8,984.00 |
| Net cash from investing activities | 28.00 | 176.00 | -967.00 | -1,186.00 | 562.00 | 757.00 | 271.00 | 684.00 |
| Net cash from financing activities | -1,496.00 | 301.00 | 2,265.00 | 4,179.00 | 1,930.00 | 7,404.00 | 2,868.00 | 8,720.00 |
| Purchase of property, plant and equipment | 7.00 | 13.00 | 11.00 | 39.00 | 22.00 | 49.00 | 16.00 | 33.00 |
| Net increase in cash | -1,820.00 | -1,388.00 | 146.00 | -1,669.00 | -254.00 | 104.00 | -732.00 | 421.00 |
| con:CFO.BEFORE_TAX | 1,270.00 | 2,419.00 | 546.00 | -123.00 | -1,064.00 | -3,185.00 | -1,791.00 | -3,326.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 1,405.00 | 3,980.00 | 1,532.00 | 4,181.00 | 1,555.00 | 4,478.00 | 1,827.00 | 5,090.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 216.00 | 304.00 | 166.00 | 358.00 | 127.00 | 394.00 | 253.00 | 568.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | -35.00 | 0.00 | 953.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | 1.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-05-05 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 28.15 | 28.15 | 28.14 | 28.13 | 28.13 | 28.13 | 28.11 | 28.11 | 28.10 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 |
| Domestic institutions | 6.28 | 7.60 | 7.73 | 7.86 | 6.88 | 10.95 | 22.18 | 26.86 | 29.87 | 0.38 | 0.41 | 0.43 | 0.44 | 0.46 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 0.27 | 0.29 | 0.30 | 0.31 | 0.34 |
| Insurance companies | 0.69 | 0.73 | 1.18 | 0.77 | 0.69 | 1.86 | 3.46 | 5.36 | 6.68 | 0.08 | 0.08 | 0.08 | 0.08 | 0.07 |
| Foreign institutions | 25.82 | 24.78 | 24.81 | 24.70 | 25.01 | 17.89 | 20.42 | 24.34 | 21.44 | 0.24 | 0.19 | 0.17 | 0.17 | 0.17 |
| Government | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 71.85 | 71.85 | 71.86 | 71.87 | 71.87 | 71.87 | 71.89 | 71.89 | 71.90 | 0.72 | 0.72 | 0.72 | 0.72 | 0.72 |
| Non-institutional | 39.75 | 39.47 | 39.32 | 39.31 | 39.99 | 43.04 | 29.29 | 20.69 | 20.58 | 0.10 | 0.13 | 0.12 | 0.11 | 0.09 |
| Shares outstanding | 259543696 | 259543696 | 259579562 | 259681178 | 259723886 | 259728281 | 259842851 | 259855159 | 259925043 | 260133915 | 260508563 | 260508563 | 260549578 | 260589923 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Punjab National Bank | Promoter/Enterprise having Signifi | Any other transaction | 73,097,900,000.00 | 16 |
| PNB Gilts Ltd | Enterprises having significant inf | Any other transaction | 16,409,300,000.00 | 4 |
| PHFL Home Loan & Services Limited | Wholly owned subsidiary | Any other transaction | 1,119,400,000.00 | 4 |
| Tripura Gramin Bank | Enterprises having significant inf | Any other transaction | 1,096,500,000.00 | 2 |
| PNB Metlife India Insurance Co Ltd | Enterprises having significant inf | Any other transaction | 798,300,000.00 | 5 |
| Assam Gramin Vikash Bank | Enterprises having significant inf | Any other transaction | 410,300,000.00 | 5 |
| Mr. Girish Kousgi | Key Managerial Personnel | Any other transaction | 27,500,000.00 | 2 |
| Pehel Foundation | Wholly owned subsidiary | Any other transaction | 18,900,000.00 | 2 |
| Ms. Veena G Kamath | Key Managerial Personnel | Any other transaction | 12,300,000.00 | 4 |
| Mr. Vinay Gupta | Key Managerial Personnel | Any other transaction | 8,900,000.00 | 2 |
| Ms. Veena Kamath | Key Managerial Personnel | Any other transaction | 4,100,000.00 | 2 |
| Mr. Sanjay Jain | Key Managerial Personnel | Any other transaction | 2,000,000.00 | 1 |
| Mr. Tejendra Mohan Bhasin | Key Management Personnel | Any other transaction | 1,300,000.00 | 1 |
| Mr. Tejendra Mohan Bhasin & Ms. Anjali Bhasin | Key Management Personnel | Any other transaction | 1,200,000.00 | 1 |
| Mr. Neeraj Madan Vyas | Key Management Personnel | Any other transaction | 1,200,000.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-08-07 | Q1FY27 | Read the call | |
| 2026-01-27 | Q3FY26 | LIMITED | Read the call |
| 2025-10-30 | Q2FY26 | HOUSING FINANCE LIMITED, PNB HOUSING FINANCE LIMITED | Read the call |
| 2025-07-31 | Q1FY26 | HOUSING FINANCE LIMITED | Read the call |
| 2025-05-02 | Q4FY25 | CHIEF EXECUTIVE OFFICER | Read the call |
| 2025-01-24 | Q3FY25 | EXECUTIVE OFFICER | Read the call |
| 2024-10-28 | Q2FY25 | (PRIME & EMERGING BUSINESS), AFFORDABLE BUSINESS, AND TREASURY), OFFICER | Read the call |
| 2024-07-29 | Q1FY25 | (PRIME & EMERGING BUSINESS), AFFORDABLE BUSINESS, OFFICER | Read the call |
| 2024-05-01 | Q4FY24 | MS. DEEPIKA GUPTA PADHI | Read the call |
| 2024-01-30 | Q3FY24 | Read the call | |
| 2023-10-30 | Q2FY24 | Read the call | |
| 2023-07-27 | Q1FY24 | Read the call | |
| 2023-05-23 | Q4FY23 | Read the call | |
| 2023-01-31 | Q3FY23 | Read the call | |
| 2022-11-01 | Q2FY23 | Mr. Girish Kousgi, Mr. Neeraj Manchanda, Mr. Vinay Gupta | Read the call |
| 2022-08-02 | Q1FY23 | Read the call | |
| 2022-05-03 | Q4FY22 | Read the call | |
| 2022-01-27 | Read the call | ||
| 2021-11-03 | H1FY21 | Read the call | |
| 2021-08-09 | Q1FY21 | Read the call | |
| 2021-04-30 | FYFY20 | Read the call | |
| 2021-01-30 | Read the call | ||
| 2020-11-01 | H1FY20 | Read the call | |
| 2020-06-18 | FYFY19 | Read the call | |
| 2020-01-28 | FYFY19 | Read the call | |
| 2019-10-26 | H1FY19 | Read the call | |
| 2019-08-05 | Q1FY19 | Read the call | |
| 2019-05-14 | FYFY18 | Read the call | |
| 2019-01-28 | Q3FY19 | Read the call |
Some earlier announcements under this heading are covering letters only — no transcript was attached.
What they said about it, quarter by quarter
| Topic | Q3FY23 | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY22 | Q4FY23 | Q4FY24 | Q4FY25 |
|---|---|---|---|---|---|---|---|---|
| Capital allocation | — | — | — | — | In the market, we are known to be extremely good, not only in acquisition, but also in underwriting of the self-employed and other books. | — | — | — |
| Costs | — | — | — | — | — | — | — | — |
| Debt and cash | — | — | — | — | But rest assured, in all those assets, wherever we're working, we have got good cash flows underlying, good security and resolution is also on the car… | So, the future cash flows get adjusted so there is marginal impact on the securitization also. | — | — |
| Demand | — | — | If you look at the mortgage industry, I think demand is very good. | — | We are not aware of any such practices within the market and since you asked you are informing us we are clearly saying we do not subscribe to any kin… | — | — | So, with the rate going down demand will further go up. |
| Guidance | Just a follow up question on the margins, the guidance was more around the margins of 3.2%, but finding it a little difficult to understand that until… | However, for the coming year, the guidance on book growth is at 17%. | Yes, we expect this to move bucket back this quarter. | And as already said, and I reiterated that we'll continue the guidance which has already been given in the market. | And for how many quarters do we expect this to continue -- is there any kind of indication you could provide when this could stabilize? | Can you guide in terms of what kind of NPA will be comfortable and how will we achieve that in the next two to four quarters? | In terms of guidance, the margin would be around 3.5%, ROA will be more than 2.1%, credit cost for FY’25 is expected to be around 30 bps. I will now h… | I think looking at a short to medium term view, I think very clearly, we have a handle on our yield and margins and we expect that end of this financi… |
| Margin | But, seeing margin expansion in this quarter as well in a rising rate environment, something very, very counterintuitive. | But you were still confident of keeping them at around 275 basis points, give or take, and net interest margin 375 to 4. bps But you are running much … | I mean, I see the revenue mix improving or margin mix improving. | So, we get better margin in self-employment. | — | — | The reason why we are doing is that on the super Prime and on Prime, so definitely given the competition and given that we are not a bank, we are an H… | Because of these reasons our cost would go down, because of mix change yields would go up, because of corporate restart, it will on the yield and marg… |
| People | I think we have seen for last many decades in this industry, a) self- employed as a profile compared to salaried is highly delinquent; b), also the bo… | — | Last quarter, we announced the hiring of Mr. Rana coming from ICICI Bank to restart the corporate vertical. | — | I think we also have not faced significant challenges in attracting talent over a period of time so we have done in fact significant amount of hiring … | That is because we used to have a lot of stress in terms of customer attrition. | So, all of these things will ensure any drop in the yield because book attrition especially is on the Prime. | — |
| Pricing | And therefore, let's say we focus on 30-40 lakh ticket size, which is basically from salaried, this is a segment where we see that this segment is not… | And second, we also had an impact in quarter three, because for us Chennai floods had a bit of an impact and to a certain extent on pricing, what you … | — | But just that competition is there, you know, there will not be much impact on the pricing because the range wherein we are operating is already very … | All the problems that we have in terms of our NPA, in terms of pricing, in terms of our very deliberate decisions on bringing down the book to certain… | — | If I may, like, what is stopping us, given that we are pretty, I would say, levered at a lower end of the spectrum, is the market opportunity not out … | And sir, with respect to the pricing, now I think many of the previous participants asked on this and my question is slightly different from the yield… |
| Revenue growth | And I had mentioned last quarter that we are looking at a book growth of about close to 10% especially on the retail. | So, quarterly book growth was about INR 1,000 crores. | — | — | In Q4 FY22, we have disbursed Rs.3,698 crores, registering a growth of 31% on a quarter-on-quarter basis. | So, the loan on the book is going to be for a longer time and that could be beneficial in terms of customer retention and growth of the book. | We are looking at book growth of 17% in retail segment FY’25 onwards with higher focus on Affordable and Emerging segment. | And so lastly, if I recall correctly during your opening remarks you guided for a retail loan growth of 18% year-over-year and ROA of 2.5% to 2.6% in … |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2022-11-01 | Q2FY23 | Mr. Girish Kousgi | One year from now or maybe five quarters from now, we should be able to see growth in book of over 15%. |