The second-quarter performance of PNB Housing Finance reflected solid growth momentum, with net profit reaching ₹582 crore—up 24% from the prior year. Consistent disbursal activity and margin gains lifted the loan book to ₹77,500 crore, marking an 11% sequential increase. Improved asset quality and reduced provisioning costs further strengthened results. Management credited its progress to a wider footprint in tier-II markets and increased affordable housing demand. Market observers highlighted digital-led efficiency improvements and prudent risk management as core contributors to sustained profitability into FY26.