PNB Housing Finance: Strong Q1 results, 23% rise in net profit. Share price dropped 18% after MD’s resignation. Future predictions: ₹141 avg. price target in 2025. Find if it is a good bet?
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Introduction:
PNB Housing Finance is making significant waves in the housing finance sector with its consistent growth and investor’s confidence. As one of India’s leading non-banking financial companies (NBFCs), PNB Housing Finance continues to attract both retail and institutional investors. With the Indian housing market expanding with the policy support increasing, investors are keen to understand whether the PNB Housing Finance share is a smart long-term bet or not. With PaisaInvests take an in-depth look at its share price, growth story, financials and more.
Girish Kousgi PNB Housing Finance:
PNB Housing Finance was firstly established in 1988 and promoted by Punjab National Bank (PNB). It provided a variety of services including housing loans, loans against property and fixed deposit schemes. With over 100 branches across the nation, the company has developed a strong distribution network by making housing finance accessible to the urban and semi-urban customers{1}.
Its efficient loan processing and customer centric approach helps it to stand out among the competitive landscape by making PNB Housing Finance share a closely watched asset in the Indian stock exchanges.
PNB Housing Finance Share Price Target:
Currently, PNB Housing Finance share price is seeing interest due to improved financials and positive sector outlook. Over the last 52 weeks, the stock has shown resilience with a notable uptrend given by rising demand in real estate and retail credit{2}.
As for the latest update, PNB Housing shared trades nearly to its 52 week high performing competitors in the NBFC segment. Factors such as regulatory policies, interest rate cycles and overall market sentiment will continue to influence the PNB Housing Finance share price.
Also read: HDB Financial Services IPO: Date, Share Price and All You Need to Know
PNB Housing News:
PNB Housing has recently made some headlines for its improved asset quality and successful fund raising activity. The company has announced a rights issue that was fully subscribed reflecting a strong investor faith.
Additionally, the firm is focusing on the retail housing loans while reducing the exposure to high risk corporate lending. It has also enhanced its digital footprint for faster loan disbursals by adding a modern edge to the business model. These developments are likely to support the long term growth of the company{3}.
PNB Financial Performance:
PNB Housing Finance posted a rise in PAT driven by lower provisions and higher NIMs. The company’s GNPA and NNPA levels have also improved which is indicating to better credit discipline. Key financial highlights are:
- Revenue: ₹1,765 Cr
- PAT: ₹475 Cr
- ROE: 13.5%
- AUM: ₹60,000+ Cr
Such strong performance supports a positive movement in the PNB Finance share price.
Is PNB Housing Finance Share Worth Buying?
Market analyst consider PNB Housing Finance share strong medium to long term investment plan. As the company is returning to its retail loan focused strategy for improving profitability, as many brokerage houses have also given a “Buy” or “Add” rating on the stock.
The shift in India’s demographic and increasing demand for affordable homes aligns well with the firm’s strategy. However, investors must monitor the interest rate volatility and regulatory changes that could impact the NBFCs{4}.
Conclusion:
With a solid fundamentals, retail focus and promising growth outlook, PNB Housing Finance emerged as a profitable choice among the value seeking investors. PNB Housing shares have demonstrated their strengths in the market by offering a balance of growth and stability. With the India’s housing sector continuing to grow upwards, this NBFC is likely to complement the growth.If you are looking for the financial services with exposure to real estate credit growth, PNB Housing is worth your attention in 2025.
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Frequently Asked Questions
What is the PNB Housing share price target of 2025?
For the month of August 2025, Finance share price trades between ₹700-₹750. Also check the NSE/BSE for more live updates.
What is the PNB Housing Finance rate of interest?
As of August 2025, PNB interest rate starts from 8.50% p.a. for salaried borrowers and go higher based on the loan amount, tenure and applicant profile.
What is the PNB Housing Finance customer care number?
You can contact PNB Housing Customer Care at 1800 120 8800 (Toll-Free number) for the queries related to loans, statements, EMIs or complaints. The helpline is active from Monday to Saturday from 9:00 AM to 6:00 PM.
How is PNB Housing Finance different from PNB?
While Punjab National Bank is a full service bank, PNB Housing specializes in housing and mortgage lending.
What are the PNB Housing Finance share risks?
Interest rate hikes, credit default risks and economic slowdowns are key risks that may affect Finance share price.
What type of PNB Housing Finance loans it offers?
They provide housing loans, mortgage loans, fixed deposits, loan against property, home improvement/construction loans, plot loans and lease rental discounting
Does PNB Housing Finance offers special interest rate for women?
Yes, for women applicants or co-applicants concession rates (typically 0.05% lower) under specific schemes are available. This is to promote female home ownership.
By PaisaInvests
