CreditBrief

What PNB Housing Finance lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹98,210 crore (+8.0% since March).

PNB Housing FinanceHousing finance

₹90,921croreAUM on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers3rdof 7 housing finance companies on CreditBrief, March 2026
Biggest segment62.6%Retail - Individual Housing Loan, latest split (30 Sep 2026)
Share of the combined book13.7%of all housing finance companies on CreditBrief

Chapter 01 · The loan book

₹90,921 crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in PNB Housing Finance's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from retail - individual housing loan down, and you get ₹90,921 crore. By 30 Sep 2026 it was ₹98,210 crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

99%People and households₹94,413 croreRetail - Individual Housing LoanRetail - Non Housing Loan
1%Businesses₹666 croreCorporate

Drilling down: what it lends against · 30 Sep 2026

  • Retail - Individual Housing Loan₹61,463 crore62.6%
  • Retail - Non Housing Loan₹32,950 crore33.6%
  • Corporate₹666 crore0.7%

Some segments are worked out from the share of the book the lender gives.

The split is given only as percentages of the ₹95,079 crore loan book, not of AUM, so the worked-out amounts come to about 3% less than AUM.

Sources: PNB Housing Finance Investor Presentation Q4 FY26, PDF page 6 ↗ for March 2026; PNB Housing Finance Investor Presentation Q2 FY27, PDF page 5 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 8.3% a year since March 2022.

From ₹65,977 crore on 31 March 2022 to ₹90,921 crore on 31 March 2026, and ₹98,210 crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights11 figures from 6 filings · each checked against its pageHow it works
PNB Housing Finance · loan book · 31 March 2026₹90,921crore+13% in FY2025-26₹98,210 crore by 30 Sep 2026
  1. 018.3%a year since 2022Grew 8.3% a year from March 2022 to March 2026, faster than 1 of the 6 other housing finance companies with like-for-like figures for those years.
  2. 0213%in FY2025-26Growth held steady at 13% in FY2025-26, from 13% the year before.
  3. 032ndamong peersSlipped from 2nd to 3rd biggest of these 7 housing finance companies between March 2022 and March 2026.
Branches393+10% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · AUM65,97766,61771,24380,39790,92198,210
BranchesNumber100300356393404

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at PNB Housing Finance, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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CreditBrief Insightsto you

PNB Housing Finance, Q2 FY2026-27: loan book ₹98,210 crore, +8.0% since March

  • ₹98,210 crore lent out by Q2 FY2026-27
  • Biggest segment: Retail - Individual Housing Loan, 63% of the book
  • Every figure links to page 5 of its filing

Chapter 03 · Among its peers

3rd biggest of 7 housing finance companies we cover, March 2026.

At the end of FY2025-26 it held 13.7% of the combined loan book of the housing finance companies on CreditBrief. NBFCs and housing finance companies report assets under management.

  1. 1LIC Housing Finance₹3.21 lakh crore
  2. 2Bajaj Housing Finance₹1.41 lakh crore
  3. 3PNB Housing Finance₹90,921 crore
  4. 4Can Fin Homes₹42,209 crore
  5. 5Aadhar Housing Finance₹30,571 crore
  6. 6Aavas Financiers₹23,452 crore
  7. 7Home First Finance Company₹15,878 crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at PNB Housing Finance

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

Open the careers page ↗

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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