PNB Housing Finance Limited

rs,

L/SE/EQ/FY2025-26/47 July 21, 2025 The BSE Limited Listing Department, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Scrip Code: 540173 Dear Sir(s), The National Stock Exchange of I

18%

ta is also re-casted for like-to-like comparison • As on 30th Jun 2025, Retail Loan Asset grew by 18% YoY at INR 76,923 crore.Affordable and Emerging Markets segments forms 37% of the Retail Loan Ass

INR 76,923 crore

re-casted for like-to-like comparison • As on 30th Jun 2025, Retail Loan Asset grew by 18% YoY at INR 76,923 crore.Affordable and Emerging Markets segments forms 37% of the Retail Loan Asset Business Highlights

37%

ail Loan Asset grew by 18% YoY at INR 76,923 crore.Affordable and Emerging Markets segments forms 37% of the Retail Loan Asset Business Highlights • Retail Disbursement grew by 14% YoY to INR 4,980 c

14%

s segments forms 37% of the Retail Loan Asset Business Highlights • Retail Disbursement grew by 14% YoY to INR 4,980 crore; continued focus on high yielding Affordable and Emerging Markets segment

INR 4,980 crore

s forms 37% of the Retail Loan Asset Business Highlights • Retail Disbursement grew by 14% YoY to INR 4,980 crore; continued focus on high yielding Affordable and Emerging Markets segment led to 30% disbursement

30%

INR 4,980 crore; continued focus on high yielding Affordable and Emerging Markets segment led to 30% disbursement growth in these segments. Affordable Segment and Emerging Markets contributes 50% of

50%

to 30% disbursement growth in these segments. Affordable Segment and Emerging Markets contributes 50% of the retail disbursement • Presence in 356 branches including 200 branches for Affordable and 80

9.99%

356 branches including 200 branches for Affordable and 80 branches for Emerging Markets • Yield is 9.99% in Q1 FY26 as compared to 10.03% in Q4 FY25 Spread & Margins • Cost of Borrowing is 7.76% in Q1 F

10.03%

hes for Affordable and 80 branches for Emerging Markets • Yield is 9.99% in Q1 FY26 as compared to 10.03% in Q4 FY25 Spread & Margins • Cost of Borrowing is 7.76% in Q1 FY26 as compared to 7.84% in Q4 FY

7.76%

ield is 9.99% in Q1 FY26 as compared to 10.03% in Q4 FY25 Spread & Margins • Cost of Borrowing is 7.76% in Q1 FY26 as compared to 7.84% in Q4 FY25 • Spread for Q1 FY26 is at 2.23% as compared to 2.19% i

7.84%

ared to 10.03% in Q4 FY25 Spread & Margins • Cost of Borrowing is 7.76% in Q1 FY26 as compared to 7.84% in Q4 FY25 • Spread for Q1 FY26 is at 2.23% as compared to 2.19% in Q4 FY25. NIM for Q1 FY26 is at