The Board of Directors of PNB Housing Finance Limited (''the Company'') at its meeting held today i.e., August 04, 2026 (Tuesday), has, inter-alia: approved the Un-Audited Financial Results ....
RESULTS
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MEDIUM RISK
📅 Filed on BSE: 04 Aug 2026, 06:45 PM IST · BSE ID: 46028c01-d1ad-440b-8dae-732c96212ada
View Original BSE Filing (PDF)
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In Simple Terms
PNB Housing Finance announced its first quarter financial results, reporting Rs. 557.34 million in profit.
🤖 AI Summary
- PNB Housing Finance Ltd's consolidated net profit after tax for Q1 FY27 was Rs. 557.34 million.
- Total consolidated income reached Rs. 2,265.36 million for the quarter ended June 30, 2026.
- Consolidated interest income for Q1 FY27 amounted to Rs. 2,138.43 million.
- Consolidated finance cost for the quarter was Rs. 1,338.63 million.
- Basic earnings per share stood at Rs. 21.39 for the quarter ended June 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net profit after tax (Q1 FY27)
557.34 million
4.47%
Total income (Q1 FY27)
2,265.36 million
8.82%
Interest income (Q1 FY27)
2,138.43 million
7.98%
Finance cost (Q1 FY27)
1,338.63 million
8.45%
Basic EPS (Q1 FY27)
21.39
4.24%
🏢 How This Affects the Company
The company's primary business of providing loans generated Rs. 2,138.43 million in interest income during the quarter. Fees and commission income contributed Rs. 121.78 million.
Consolidated net profit after tax was Rs. 557.34 million for the quarter, reflecting a sequential decrease from Rs. 655.80 million in the previous quarter. Finance costs represented 59.13% of interest income.
The company acquired loans not in default totaling Rs. 147.05 crore across four deals during the quarter, indicating continued lending activity. Project finance portfolio includes one project under implementation with Rs. 25.00 crore outstanding at quarter end.
Impairment on financial instruments and write-offs were a credit of Rs. 29.14 million for the quarter, compared to a charge of Rs. 176.22 million in the prior quarter.
👥 What This Means For Shareholders
✅
Action Required
No specific action is required from shareholders based on this financial results filing.
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Who Is Affected
All shareholders are affected by the company's financial performance, as reflected in the net profit after tax of Rs. 557.34 million for Q1 FY27 and basic EPS of Rs. 21.39.
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Management Signal
Management continues to focus on its core lending operations and compliance with RBI regulations, as evidenced by the disclosures on loan acquisitions and project finance.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 results — evaluate consolidated net profit and total income.
Updates on loan acquisition activity and portfolio growth.
Impact of new Labour Codes on employee benefits expenses in future quarters.
MEDIUM RISK
Sequential decline in net profit and total revenue, along with significant finance costs, warrants close monitoring.
💡 Investor Takeaway
PNB Housing Finance Ltd reported consolidated net profit after tax of Rs. 557.34 million for Q1 FY27, with total income at Rs. 2,265.36 million. Interest income was Rs. 2,138.43 million, and basic EPS stood at Rs. 21.39.
⚖️ Strengths & Concerns
✅ Positives
- Net profit after tax of Rs. 557.34 million for Q1 FY27 indicates continued profitability.
- Acquired loans not in default totaling Rs. 147.05 crore through assignments during Q1 FY27, showing business growth.
⚠️ Concerns
- Net profit after tax of Rs. 557.34 million is a sequential decrease from Rs. 655.80 million in Q4 FY26.
- Total revenue from operations of Rs. 2,263.44 million for Q1 FY27 is lower than Rs. 2,181.53 million in Q4 FY26, despite a higher interest income.
📅 Company Track Record
PNB Housing Finance reported a net profit of Rs. 2,291.24 Crore for FY26, an 18.35% growth, and declared a final dividend of INR 8 per share. The Q1 FY27 results show a quarterly net profit of Rs. 557.34 million compared to Rs. 533.50 million in Q1 FY26.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was PNB Housing Finance's consolidated net profit after tax for Q1 FY27?
PNB Housing Finance Ltd reported a consolidated net profit after tax of Rs. 557.34 million for the quarter ended June 30, 2026.
What was the total income for PNB Housing Finance in Q1 FY27?
The total consolidated income for PNB Housing Finance Ltd in Q1 FY27 was Rs. 2,265.36 million.
What was PNB Housing Finance's interest income in Q1 FY27?
The consolidated interest income for PNB Housing Finance Ltd in Q1 FY27 was Rs. 2,138.43 million.
What was the basic earnings per share (EPS) for PNB Housing Finance in Q1 FY27?
The basic earnings per share for PNB Housing Finance Ltd was Rs. 21.39 for the quarter ended June 30, 2026.
Did PNB Housing Finance acquire any loans in Q1 FY27?
Yes, PNB Housing Finance acquired loans not in default totaling Rs. 147.05 crore through four assignment deals during the quarter ended June 30, 2026.
Questions based on this BSE filing only. For information purposes.