This growth was driven by a solid 20% increase in net interest income (NII), which stood at ₹736 crore, up from ₹614 crore in Q4 FY24.
The company’s loan assets saw significant growth, crossing ₹75,000 crore, while assets under management (AUM) surged past ₹80,000 crore as of March 31, 2025.
The retail segment proved to be a key growth driver, with an 18% year-on-year increase, bringing retail loan assets to ₹74,802 crore. In addition, the affordable segment crossed the ₹5,000 crore mark in loan assets.
PNB Housing Finance also saw notable improvements in its asset quality.
Also Read: Q4 Results Live Updates: Adani Total Gas profit rises 8%, Nippon Life announces ₹10 dividend
Gross non-performing assets (NPAs) decreased to 1.08% as of March 31, 2025, compared to 1.50% a year earlier, while net interest margin (NIM) rose to 3.75%, up from 3.65% in Q4 FY24. However, the spread on loans slightly declined to 2.19% from 2.29% in Q3 FY25.
The board recommended a final dividend of ₹5 per equity share for FY25. Ahead of the earnings announcement, shares of PNB Housing Finance closed 1.34% higher at ₹983.90 on the BSE.
