PNB Housing Finance Limited — Q2FY27 earnings call summary

Filed 02 November 2026 · Official transcript

Incremental yield at 9.64% vs book yield 9.54%; cost of borrowing expected to rise 15-20 bps on 50 bps repo hike
CRISIL upgraded credit rating to AAA with stable outlook
GNPA improved to 0.91%; negative credit cost of 19 bps due to INR 75 Cr recovery
Pricing actions effective Nov 1 to offset borrowing cost increase
Management confident of sustaining growth and margin expansion amid rising rates
Q2FY27 disbursements grew 60% YoY to INR 9,609 Cr; loan book up 19% YoY to INR 95,079 Cr
Spread rose 31 bps sequentially to 2.43%; NIM improved 17 bps to 3.67%
Profit after Tax grew 6% YoY to INR 617 Cr; ROA 2.53%, ROE 12.33%