PNB Housing Finance Q4: Net profit rises 25% to ₹550 crore, NII grows 16%, board recommends final dividend of ₹5 per share

Interest income for Q4 FY25 also advanced 13% year-on-year (YoY) to ₹1,906 crore as against ₹1,693 crore reported in the corresponding quarter last fiscal year.

During the quarter under review, the net interest income (NII) grew 16.2% to ₹734 crore as against ₹632 crore in Q4 FY24.

The augmented collections efforts led to an improvement in the housing finance firm’s gross and net non-performing assets (NPA) to 1.08% and 0.69%, respectively, during the quarter.

PNB Housing Finance’s disbursement grew by 25% YoY to ₹21,972 crore as compared to ₹17,583 crore in the same period last year.

The company’s assets under management (AUM) rose 13% year-on-year to ₹80,397 crore in Q4 FY25. Sequentially, it increased 5%.

“Focus on affordable and emerging markets segments led to higher growth in retail loan assets,” PNB Housing Finance said in a statement.

Apart from releasing its March quarter numbers, the firm also said that it has recommended a final dividend of ₹5 per equity share with a face value of ₹10 each for the financial year ending March 31, 2025.

The development came post-market hours. Shares of PNB Housing Finance settled at ₹987.90 apiece on the National Stock Exchange, rising 1.67% on Monday.

The housing finance firm has recovered ₹49 crore from the retail written-off pool and ₹106 crore (approximately) from the corporate written-off pool in Q4 FY25.

It has scaled up in the affordable segment and built a loan asset of ₹5,070 crore as of March 31, 2025.

During the quarter, PNB Housing has also maintained a balanced portfolio with individual housing loans at 72% and salaried customers at 61% of the retail portfolio.

As of March 31, 2025, the company’s average ticket size for individual housing loans and retail non-housing stood at ₹29 lakh and ₹27 lakh, respectively.

Its focused approach in the emerging markets segment led to 41 basis points (bps) higher incremental yield as compared to the prime segment.