# PNB Housing Finance

> Housing finance. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/pnbhf

## Loan book

- ₹90,921 crore on 31 March 2026, the end of FY2025-26 (AUM).
- ₹98,210 crore on 30 Sep 2026, the latest half-year balance.
- Source: PNB Housing Finance Investor Presentation Q4 FY26, PDF page 6: https://nsearchives.nseindia.com/corporate/PNBHOUSING_20042026203731_Investor_Presentation_SD_2.pdf

## Findings

- Grew 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.
- Growth held steady at 13% in FY2025-26, from 13% the year before.
- Slipped from 2nd to 3rd biggest of these 7 housing finance companies between March 2022 and March 2026.

## What it lends against (30 Sep 2026)

- Retail - Individual Housing Loan: ₹61,463 crore (62.6%)
- Retail - Non Housing Loan: ₹32,950 crore (33.6%)
- Corporate: ₹666 crore (0.7%)

Source: PNB Housing Finance Investor Presentation Q2 FY27, PDF page 5: https://nsearchives.nseindia.com/corporate/PNBHOUSING_28102026171506_3InvestorPresentation_28_October_2026_R.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 65,977 | 66,617 | 71,243 | 80,397 | 90,921 | 98,210 |
| Branches (Number) | 100 |  | 300 | 356 | 393 | 404 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "AUM 83,346 74,469 65,977" (PNB Housing Finance Investor Presentation Q4 FY22, PDF page 13) https://nsearchives.nseindia.com/corporate/PNBHOUSING_28042022180605_Investorpresentation.pdf
- Loan book, FY2022-23 (31 Mar 2023): "INR 66,617 Crore" (PNB Housing Finance Investor Presentation Q4 FY23, PDF page 9) https://nsearchives.nseindia.com/corporate/PNBHOUSING_18052023162510_4InvestorPresentation.pdf
- Loan book, FY2023-24 (31 Mar 2024): "INR 71,243 Crore" (PNB Housing Finance Investor Presentation Q4 FY24, PDF page 5) https://nsearchives.nseindia.com/corporate/PNBHOUSING_29042024160745_InvestorPresentation.pdf
- Loan book, FY2024-25 (31 Mar 2025): "INR 80,397 Crore" (PNB Housing Finance Investor Presentation Q4 FY25, PDF page 6) https://nsearchives.nseindia.com/corporate/PNBHOUSING_28042025164847_Investorpresentationfinalsd.pdf
- Loan book, FY2025-26 (31 Mar 2026): "INR 90,921 Crore" (PNB Housing Finance Investor Presentation Q4 FY26, PDF page 6) https://nsearchives.nseindia.com/corporate/PNBHOUSING_20042026203731_Investor_Presentation_SD_2.pdf
- Loan book, 30 Sep 2026: "(INR Crore) (INR Crore) 98,210" (PNB Housing Finance Investor Presentation Q2 FY27, PDF page 5) https://nsearchives.nseindia.com/corporate/PNBHOUSING_28102026171506_3InvestorPresentation_28_October_2026_R.pdf
- Branches, FY2021-22 (31 Mar 2022): "100 branches with presence in 70 unique" (PNB Housing Finance Investor Presentation Q4 FY22, PDF page 25) https://nsearchives.nseindia.com/corporate/PNBHOUSING_28042022180605_Investorpresentation.pdf
- Branches, FY2023-24 (31 Mar 2024): "300 branches/ outreaches" (PNB Housing Finance Investor Presentation Q4 FY24, PDF page 6) https://nsearchives.nseindia.com/corporate/PNBHOUSING_29042024160745_InvestorPresentation.pdf
- Branches, FY2024-25 (31 Mar 2025): "356 OUR OFFICE NETWORK 300 56" (PNB Housing Finance Investor Presentation Q4 FY25, PDF page 9) https://nsearchives.nseindia.com/corporate/PNBHOUSING_28042025164847_Investorpresentationfinalsd.pdf
- Branches, FY2025-26 (31 Mar 2026): "taking the total network to 393 branches" (PNB Housing Finance Investor Presentation Q4 FY26, PDF page 4) https://nsearchives.nseindia.com/corporate/PNBHOUSING_20042026203731_Investor_Presentation_SD_2.pdf
- Branches, 30 Sep 2026: "# Branches 32% 34% 404" (PNB Housing Finance Investor Presentation Q2 FY27, PDF page 12) https://nsearchives.nseindia.com/corporate/PNBHOUSING_28102026171506_3InvestorPresentation_28_October_2026_R.pdf

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