Built on Quality, Powered by Growth.
38th Annual Report 2025-26
38th Annual Report 2025-26
38th Annual Report 2025-26
38th Annual Report 2025-26
A gemstone’s brilliance is not only created on the surface – it also emerges from the quality embedded within and is amplified through the strength of every facet. At PNB Housing Finance quality lies at the heart of our organisation, reflected in our strong asset base, prudent governance and customer-first approach.
At PNB Housing Finance, we see ourselves as more than a financier, we are partners in India’s aspiration to own a home. Our focus is on building an institution that families can trust for generations to come.
*Retail segment contributed to 98.74% of the total loan disbursement in FY26, whereas corporate segment contributed to 1.26%.
**Retail segment contributed to 99.5% of the total loan asset in FY26, whereas corporate segment contributed to 0.5%.
#Principal outstanding, including principle overdue
^Indicates data as on 31st March 2026
Sapphire is often regarded as the gemstone of prosperity. It symbolises prosperity that is patiently built through wisdom, trust, and strong foundations. Its brilliance comes from its ability to create lasting value over time.
Read MoreAffordable Housing and Emerging Markets’ contribution to retail disbursement
Aventurine is the gemstone of opportunity, a stone believed to attract growth and help transform potential into tangible progress. Its true essence lies in creating pathways where possibilities can flourish and momentum can be sustained.
Read Moreapplications digitally processed under PMAY-U 2.0 as on 31st March 2026
Bloodstone is known as the gemstone of endurance and recovery. It is believed to restore strength after periods of stress and help emerge stronger with renewed vitality.
Read MoreGross NPA in FY26
STRATEGIC PRIORITIES
PNB Housing Finance sharpened its strategic focus on scaling the retail loan book, with emphasis on the high-growth Emerging Markets and Affordable Housing segments. This was complemented by a disciplined approach to asset quality, a diversified and cost-efficient borrowing strategy and investment in digital and AI-led capabilities - collectively reinforcing our position as a resilient and future-ready housing finance institution.
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Focus on the growth of retail loan book
Expanding our Affordable Housing segment in Tier 2 and Tier 3 cities and beyond
Improvement in asset quality
Balanced borrowing mix and adequate capital
Powering growth through digitalisation and voice AI initiatives
Strengthening governance to support long-term growth
ESG focus
Macroeconomic conditions continue to provide a generally supportive operating environment, with activity observed across sectors such as real estate and housing. Within this context, we continue to conduct our housing finance business in accordance with applicable laws, regulations, and supervisory expectations.
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PEOPLE
A strong organisation is built on the foundation of its people. At PNB Housing Finance, we foster a culture of trust, inclusion and continuous growth, creating a workplace where every employee feels a sense of belonging and is empowered to contribute meaningfully to our shared success.
CORPORATE SOCIAL RESPONSIBILITY
Guided by compassion, responsibility, and long-term value creation, PNB Housing Finance shapes meaningful impact by empowering communities, improving quality of life, and fostering a more resilient and sustainable future.
GOVERNANCE
PNB Housing Finance is committed to upholding the interests of all its stakeholders through a robust governance framework built on the principles of transparency, accountability, integrity, and ethical conduct.
ESG focus
Macroeconomic conditions continue to provide a generally supportive operating environment, with activity observed across sectors such as real estate and housing. Within this context, we continue to conduct our housing finance business in accordance with applicable laws, regulations, and supervisory expectations.
Read More
PEOPLE
A strong organisation is built on the foundation of its people. At PNB Housing Finance, we foster a culture of trust, inclusion and continuous growth, creating a workplace where every employee feels a sense of belonging and is empowered to contribute meaningfully to our shared success.
CORPORATE SOCIAL RESPONSIBILITY
Guided by compassion, responsibility, and long-term value creation, PNB Housing Finance shapes meaningful impact by empowering communities, improving quality of life, and fostering a more resilient and sustainable future.
GOVERNANCE
PNB Housing Finance is committed to upholding the interests of all its stakeholders through a robust governance framework built on the principles of transparency, accountability, integrity, and ethical conduct.
AWARDS AND RECOGNITION
World Fintech Summit & Awards
Leadership in AI & ML for Banking Automation
PMAY Empowering India Awards
Best Primary Lending Institutions for Affordable Housing under PMAY scheme
Best CFO & Finance Strategy Excellence Awards 2025
Excellence in Financial Planning & Analysis
ET Shark Awards
Best Use of TV
NHB Excellence Awards
Fastest Growing HFC - Asset above 5k cr
CSR Summit & Awards
Healthcare Initiative
DNA Awards 2025
Best NPA Recovery
PRCI Collateral Awards
DFI Campaign
BankFin 360 Awards
Best Home Loan Marketing Campaign
CX Summit & Awards
Social Media-Led CX Excellence
LACP Vision Awards
Annual Report - Gold
