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PNB Housing Finance Ltd Industry : Finance - Housing

BSE Code:	540173	NSE Symbol:	PNBHOUSING	P/E(TTM):	11.12
ISIN Demat:	INE572E01012	Div & Yield %:	0.53	EPS(TTM):	84.33
Book Value (Rs ):	690.3661191	Market Cap (Rs Cr.):	24421.38	Face Value(Rs):	10

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Quarters :

Particulars	Sep 2025	Jun 2025	Mar 2025	Dec 2024
	(₹ In Cr)	(₹ In Cr)	(₹ In Cr)	(₹ In Cr)
Operating Income	2167.91	2063.88	2029.94	1922.76
Total Income	2171.52	2070.61	2045.26	1924.89
Interest	1267.34	1234.69	1178.28	1158.23
Employee Expenses	84.68	93.54	83.76	80.07
Selling & Administrative Expenses	0.00	0.00	0.00	0.00
Impairment of Assets	0.00	0.00	0.00	0.00
Loss on Forex Transaction	0.00	0.00	0.00	0.00
Other Expenses	112.57	98.43	106.35	105.27
TOTAL OPERATING EXPENDITURE	1464.59	1426.66	1368.39	1343.57
Operating Profit Before Prov. & Cont.	706.93	643.95	676.87	581.32
Provisions & Write Offs	-113.18	-56.23	-64.85	-36.13
Depreciation	16.31	14.65	14.28	14.34
TOTAL EXPENDITURE	1367.72	1385.08	1317.82	1321.78
Tax	147.64	131.08	167.67	130.77
Fringe Benefit Tax	0.00	0.00	0.00	0.00
Deferred Tax	29.67	22.72	-7.34	0.91
Reported Profit After Tax	626.49	531.73	567.11	471.43
Extra-ordinary Items	0.00	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	626.49	531.73	567.11	471.43

EPS (Unit Curr.)	24.06	20.45	21.82	18.14
EPS (Adj) (Unit Curr.)	24.06	20.45	21.82	18.14
Calculated EPS (Unit Curr.)	24.05	20.44	21.82	18.14
Calculated EPS (Adj) (Unit Curr.)	24.05	20.44	21.82	18.14
Calculated EPS (Ann.) (Unit Curr.)	96.19	81.76	87.27	72.57
Calculated EPS (Adj) (Ann.) (Unit Curr.)	96.19	81.76	87.27	72.57
Book Value (Unit Curr.)	690.00	673.00	649.00	629.00
Dividend (%)	0.00	0.00	0.00	0.00
Equity	260.51	260.13	259.93	259.86
Reserve & Surplus	17724.12	0.00	0.00	0.00
Face Value	10.00	10.00	10.00	10.00

Public Shareholding (No. Of Shares)	0.00	0.00	0.00	0.00
Public Shareholding (% in Equity)	0.00	0.00	0.00	0.00

Pledged/Encumbered - No. of Shares	0.00	0.00	0.00	0.00
Pledged/Encumbered - % in Total Promoters Holding	0.00	0.00	0.00	0.00
Pledged/Encumbered - % in Total Equity	0.00	0.00	0.00	0.00

Non Encumbered - No. of Shares	0.00	0.00	0.00	0.00
Non Encumbered - % in Total Promoters Holding	0.00	0.00	0.00	0.00
Non Encumbered - % in Total Equity	0.00	0.00	0.00	0.00

PBIDTM(%)	96.29	93.75	94.58	92.35
PBDTM(%)	37.83	33.93	36.54	32.11
PATM(%)	28.90	25.76	27.94	24.52

Net Interest Income	0.00	0.00	0.00	0.00
Operating Expenses	0.00	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00	0.00
Assets Under Management	83879.00	82100.00	80397.00	76840.00

Return on Equity(%)	0.00	12.39	0.00	0.00
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00	0.00
Cost to Income Ratio	0.00	0.00	0.00	0.00
Loan Loss Provision Ratio	0.00	0.00	0.00	0.00
Loans Spreads(%)	2.26	2.23	2.19	2.29
Net Interest Margin(%)	3.67	3.74	3.75	3.70
Provision Coverage Ratio(%)	34.12	35.30	0.00	33.15
Capital Adequacy Ratio	29.80	29.68	29.38	28.78
Tier I Capital	29.21	28.96	28.39	27.98
Tier II Capital	0.59	0.72	0.99	0.80

Gross Non Performing Assets	0.00	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	1.04	1.06	1.08	1.19
(%) Net Non Performing Assets	0.69	0.69	0.69	0.80
Return on Assets(Annualised)	0.00	0.00	0.00	0.00
Return on Assets	2.73	2.57	2.76	2.51
Loans Disbursed(Amt Rs cr)	5995.00	4980.00	0.00	5380.00
Loans Sanctioned/Approved(Amt Rs cr)	0.00	0.00	0.00	0.00
Loan Book(Amt Rs cr)	79771.00	77732.00	75765.00	71917.00
Dividend Per Share(Rs)	0.00	0.00	0.00	0.00
Diluted EPS	24.01	20.38	21.74	18.07

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Steel City Securities Limited

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