NB Housing Finance has posted a robust 42.79% growth in its net consolidated profit for the quarter ending December 31, 2025. The company reported a profit after tax (PAT) of Rs 4.83 billion in Q3 FY25, compared to Rs 3.38 billion in the same quarter of the previous fiscal, according to a BSE filing.

Its net consolidated total income rose by 10.66% to Rs 19.43 billion from Rs 17.56 billion recorded in Q3 FY24.

Highlighting the growth in the affordable segment, Girish Kousgi, Managing Director & CEO, said, "Our affordable segment is performing well and has delivered robust disbursement growth of 127% year-on-year to Rs 9.2 billion during the quarter. The portfolio asset quality continues to improve with Gross NPA at 1.19% as on December 31, 2024."

Key Metrics Retail Disbursements: Grew 31% YoY to Rs 53.8 billion, with 38% contributed by affordable and emerging markets. Gross NPA: Declined by 54 basis points to 1.19% from 1.73% last year. Net NPA: Stood at 0.80%. Cost of Borrowing: 7.83%, with a loan yield of 10.12% and a spread of 2.29%. Asset Growth: Loan assets grew 15.4% YoY, while AUM rose 12.1%.

The company also received Rs 50 billion in refinance sanction from NHB and an external commercial borrowing (ECB) sanction of USD 100 million in the quarter. Its net worth as of December 31, 2024, stood at Rs 163.49 billion, with a debt-equity ratio of 3.66 and CRAR at 28.8%.

PNB Housing Finance's focus on asset quality improvement and strategic growth in affordable housing is driving its financial success, solidifying its position as a key player in the housing finance sector.