PNB Housing Finance Limited

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E/EQ/FY2025-26/98 October 27, 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

25%

8 Public Key Performance Highlights Disbursement Growth Loan Book Growth Emerging + Affordable 25% Emerging + Affordable 34% Total Retail 12% Total Retail 17% Business Highlights • Disburseme

34%

Highlights Disbursement Growth Loan Book Growth Emerging + Affordable 25% Emerging + Affordable 34% Total Retail 12% Total Retail 17% Business Highlights • Disbursements for Affordable + Emergi

12%

ement Growth Loan Book Growth Emerging + Affordable 25% Emerging + Affordable 34% Total Retail 12% Total Retail 17% Business Highlights • Disbursements for Affordable + Emerging Markets up 25%;

17%

Book Growth Emerging + Affordable 25% Emerging + Affordable 34% Total Retail 12% Total Retail 17% Business Highlights • Disbursements for Affordable + Emerging Markets up 25%; Continues to contri

50%

iness Highlights • Disbursements for Affordable + Emerging Markets up 25%; Continues to contribute 50% of total retail disbursements. Overall retail disbursement grew 12% YoY due to lower growth under

38%

under Prime segment. • Strong Loan book growth for Affordable + Emerging Markets; now contributes 38% of retail loan book. Overall retail loan book up 17% • Spread for Q2 FY26 @ 2.26% vs 2.23% in Q1

2.26%

now contributes 38% of retail loan book. Overall retail loan book up 17% • Spread for Q2 FY26 @ 2.26% vs 2.23% in Q1 FY26; NIM for Q2 FY26 @ 3.67% vs 3.74% in Q1 FY26 Spread & Margins • Yield dropped

2.23%

ributes 38% of retail loan book. Overall retail loan book up 17% • Spread for Q2 FY26 @ 2.26% vs 2.23% in Q1 FY26; NIM for Q2 FY26 @ 3.67% vs 3.74% in Q1 FY26 Spread & Margins • Yield dropped marginal

3.67%

rall retail loan book up 17% • Spread for Q2 FY26 @ 2.26% vs 2.23% in Q1 FY26; NIM for Q2 FY26 @ 3.67% vs 3.74% in Q1 FY26 Spread & Margins • Yield dropped marginally to 9.95% in Q2 FY26 vs 9.99% in Q

3.74%

il loan book up 17% • Spread for Q2 FY26 @ 2.26% vs 2.23% in Q1 FY26; NIM for Q2 FY26 @ 3.67% vs 3.74% in Q1 FY26 Spread & Margins • Yield dropped marginally to 9.95% in Q2 FY26 vs 9.99% in Q1 FY26 •

9.95%

FY26; NIM for Q2 FY26 @ 3.67% vs 3.74% in Q1 FY26 Spread & Margins • Yield dropped marginally to 9.95% in Q2 FY26 vs 9.99% in Q1 FY26 • Cost of Borrowing improved to 7.69% in Q2 FY26 vs 7.76% in Q1 FY2