PNB Housing’s net profit rises 25.30% in Q4 FY25, ET RealEstate
NEW DELHI: PNB Housing Finance has reported a growth of 25.30 per cent in its net consolidated profit during the quarter ended March 31, 2025. Its profit after tax stood at ₹550.38 crore in Q4 FY25 as against ₹439.25 crore it recorded in the corresponding quarter of the previous fiscal, the company said in a BSE filing.
The company’s net consolidated total income stood at ₹2,036.78 crore in Q4 FY25, a growth of 12.28 per cent from ₹1,813.97 crore it recorded in the similar quarter last year.
Girish Kousgi, managing director & CEO of the company said, “The retail loan asset grew by 18.2% year-on-year to ₹74,802 crore as on March 31, 2025, which was supported by growth in the affordable and emerging markets segment. The affordable segment loan asset crossed a significant milestone of ₹5,000 crore during the year. With focus on collections across buckets, the Gross NPA improved to 1.08% as on March 31, 2025 as compared to 1.50% as on March 31, 2024. On the back of strong business and financial performance, the RoA increased by 35 bps 2.55% for FY25.”
The board of directors recommended a final dividend of ₹5 per equity share of face value of ₹10 each for the
financial year ended March 31, 2025.
As on March 31, 2025, its net worth stood at ₹16,863.13 crore, debt-equity ratio was 3.70, total debts to total assets was 0.76, net profit margin was 27.02%, gross non-performing assets (NPAs) were 1.08% and net NPA was 0.69%.
The company’s disbursement grew by 25% year-on-year to ₹21,972 crore during FY25. In Q4 FY25, disbursements grew by 23% year-on-year to ₹6,854 crore. Affordable and emerging market segment contributed 40% to the retail disbursement in Q4 FY25.
Loan asset grew by 16% year-on-year to ₹75,765 crore as on March 31, 2025 while assets under management (AUM) grew by 13% year-on-year to ₹80,397 crore as on March 31, 2025.
The company recovered ₹336 crore in FY25 from the written-off pool. Capital Risk Adequacy Ratio (CRAR) stood at 29.38% as on March 31, 2025. Yield was at 10.03% in Q4 FY25 as compared to 10.08% in Q4 FY24 while cost of borrowing was at 7.84% in Q4 FY25 as compared to 7.98% in Q4 FY24. Spread on loans was at 2.19% in Q4 FY25 as compared to 2.10% in Q4 FY24.
