Below are the financial statements of PNB Housing Finance, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in billions of INR | 2024 | 2023 |
|---|---|---|
| Revenue from operations | — | — |
| Interest income | 67.42a | 61.99a |
| Fees and commission income | 2.73a | 2.83a |
| Net gain on fair value changes | 0.35a | 0.34a |
| Income on derecognised (assigned) loans | 0a | 0.11a |
| Total revenue from operations | 70.5a | 65.27a |
| Other income | 0.07a | 0.02a |
| Total income | 70.57a | 65.3a |
| Expenses | — | — |
| Finance costs | -42.61a | -38.99a |
| Impairment on financial instruments and write offs | -1.71a | -6.91a |
| Employee benefits expenses | -3.37a | -2.66a |
| Fees and commission expenses | -0.12a | -0.12a |
| Depreciation, amortisation and impairment | -0.51a | -0.51a |
| Others expenses | — | — |
| Impairment/loss on assets held for sale | 0a | -0.48a |
| Other expenses | -2.7a | -2.02a |
| Total expenses | -51.03a | -51.69a |
| Profit before exceptional items & tax | 19.54a | 13.61a |
| Exceptional items | 0a | 0a |
| Profit before tax | 19.54a | 13.61a |
| Tax expense/(credit) | — | — |
| Current tax | -4.23a | -0.88a |
| Deferred tax | -0.23a | -2.27a |
| Profit for the year | 15.08a | 10.46a |
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