PNB Housing Finance on Monday reported a 24 per cent increase in its net profit to Rs 582 crore for the second quarter ended September 2025.
The housing finance firm had earned a net profit of Rs 470 crore in the same quarter of the previous year.
The company's total income for the quarter grew to Rs 2,131 crore from Rs 1,880 crore a year ago, PNB Housing Finance said in a regulatory filing.
Its interest income for the quarter was higher at Rs 2,017 crore compared to Rs 1,780 crore in the year-ago period.
The net interest income rose 14% to Rs 765 crore against Rs 669 crore in the year-ago quarter.
The net interest margin moderated marginally to 3.67% compared to 3.68% in the second quarter of the previous year.
The gross non-performing assets (NPAs) of the company decreased to 1.04% from 1.24% at the end of September 2024.
The affordable and emerging market segment continues to contribute 50 per cent of the total retail disbursements.
The company's capital adequacy ratio stood at 29.80% as of September 30, of which Tier I capital is 29.21%, it added.
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