Shareholders meeting

Ref: PNBHFL/SE/EQ/FY2026-27/41 Date: July 23, 2026 The BSE Limited The National Stock Exchange of India Limited Listing Department, Listing Department Phiroze Jeejeebhoy Towers, “Exchange Plaza” Dalal Street, Bandra Kurla Complex, Mumbai – 400001 Bandra (E), Mumbai – 400051 Scrip Code: 540173 Symbol: PNBHOUSING Dear Sir/Madam, Sub: Annual Report 2025-26 and Notice convening the 38th Annual General Meeting Ref: PNBHFL/SE/EQ/FY2026-27/22 dated May 30, 2026 1. Annual Report 2025-26 and Notice of 38th Annual General Meeting We are enclosing a copy of Annual Report for the Financial Year 2025-26 (including Business Responsibility and Sustainability Report) and the Notice convening the 38th Annual General Meeting of PNB Housing Finance Limited (Company) scheduled to be held on Monday, August 17, 2026 at 03.00 P.M. (IST) through Video Conferencing (VC)/ Other Audio Visual Means (OAVM) facility in accordance with the relevant Circulars issued by the Ministry of Corporate Affairs and the Securities and Exchange Board of India. These documents are being circulated to shareholders through electronic mode whose e-mail addresses are registered with the Company or their Depository Participant(s) (“DPs”). Further, in accordance with Regulation 36(1)(b) of the Listing Regulations, the Company will send a separate communication to shareholders whose e-mail addresses are not registered with the Company/DPs, providing a web link including the exact path to access the Annual Report and the said notice on the Company’s website. The Notice of AGM and the Annual Report 2025-26 are also uploaded on the website of the Company viz., www.pnbhousing.com 2. E- Voting The Company has engaged the services of National Securities Depository Limited (NSDL) for the purpose of providing remote e-voting facility and facility of e-voting during the AGM (e-voting) to its members. Details of e-voting are as follows: Cut-off date for determining Tuesday, August 11, 2026 entitlement for e-voting Commencement of e-Voting 9.00 a.m. (IST) on Thursday, August 13, 2026 End of e-Voting 5.00 p.m. (IST) on Sunday, August 16, 2026 During this period, Members holding shares as on the cut-off date may cast their votes either through remote e-voting or e-voting during the AGM. This intimation is pursuant to Regulation 30, 34 and 53 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. Kindly take the above documents on record. Thanking you, Yours faithfully, For PNB Housing Finance Limited Veena G Kamath Company Secretary Encl: As above Regd. Office: 9th Floor, Antriksh Bhawan, 22 K G Marg, New Delhi – 110 001 Phone: 011-66030500, E-mail: investor.services@pnbhousing.com, Website: www.pnbhousing.com CIN: L65922DL1988PLC033856 Public Corporate Overview Built on Quality, Powered by Growth. 38th Annual Report 2025-26 Table of Delivering quality growth contents `90,921 crore Assets under management +13% YoY Corporate overview Statutory reports 04 About the Company 58 Management discussion and analysis 2.66% `86,946 crore 0.57% 06 Presence 84 Director’s report Return on assets Retail loan asset Net NPA 08 Sapphire: Prosperity taking root 211 Corporate governance report +10 bps YoY +16% YoY -12 bps YoY 10 Key performance indicators Financial statements 12 Message from the Managing Director and CEO 16 Aventurine: Unlocking new possibilities 242 Standalone financial statements 18 Operating context 372 Consolidated financial statements `2,584 crore `3,110 crore 27.26% 20 Strategic priorities Operating profit Net interest income Capital adequacy ratio 24 Bloodstone: Recovery, Resilience and Renewal +11% YoY +13% YoY -212 bps YoY 26 ESG focus With a legacy of close to four decades, PNB 32 People Housing Finance stands as India’s third-largest 38 Corporate social responsibility housing finance company by loan assets. We 44 Governance remain committed to enabling homeownership `2,291 crore `26,548 crore `18,055 crore 48 Board of Directors across India through a diversified portfolio of Net profit Disbursements Deposits 52 Leadership team retail housing and non-housing loans, offered +18% YoY +21% YoY 53 Awards and recognition through our focused business verticals — Prime, Emerging Markets and Affordable Housing (Roshni). 3.70x 0.93% Scrip code Gearing ratio Gross NPA BSE: 540173 -15 bps YoY NSE: PNBHOUSING Market capitalisation 19,673 crore (As on 31st March 2026) Built on Quality, Gr Poowerwed by th. A gemstone’s brilliance is not only created on the surface — it also emerges from the quality embedded within and is amplified through the strength of every facet. At PNB Housing Finance, quality lies at the heart of our organisation, reflected in our strong asset base, prudent governance and customer-first approach. Each facet of our business contributes to our overall strength, and together they power long-term value creation. Just as a gemstone shines because of its brilliance, PNB Housing Finance grows because of the strength on which it is built. Built on a strong foundation of governance, prudent risk management, customer-centricity, and operational excellence, we are committed to creating sustainable value across our ecosystem. PNB Housing Finance’s strategic initiatives — from digital transformation and technology-led onboarding to affordable housing expansion and asset quality enhancement — represent distinct facets powering its growth journey. We remain committed to improving accessibility to housing finance, empowering communities, and building long-term value. With every milestone achieved, we are not only growing our business but also shaping aspirations, strengthening trust, and building brighter futures. 04 PNB Housing Finance Limited 38th Annual Report 2025-26 05 ABOUT THE COMPANY The PNB Housing Finance is Our business at a glance fulfilling the aspirations As a leading housing finance company in India, we serve customers across diverse income segments and geographies cornerstone of millions by making including Tier 2 and Tier 3 cities. Our loan portfolio consists of Prime, Emerging Markets and Affordable Housing, offering both housing and non-housing loan solutions. Backed by the strength of Punjab National Bank, we have steadily expanded homeownership accessible our reach and deepened our impact across the country. of every across India. Supported by Our wholly owned subsidiary, PHFL Home Loans and Services Ltd., further solidifies our customer connect by serving as a diversified business model, a dedicated distribution arm and bridging the accessibility gap for borrowers. Through strategic digitalisation and robust dream technology-driven processes, operational policies, we have made loan processing faster, simpler, and more seamless. As a sector leader, we remain committed towards product and process innovation, disciplined risk management, and strong governance — united by one and strong foundation of purpose: helping every Indian achieve their dream of owning a home. trust, we create lasting value Inside the Company while shaping the nation's housing journey. AAA/AA 87,347 + crore Total loan asset Credit rating 37 90,921 + crore Years of excellence Total AUM 3.77 392 + lakh Live loan accounts Branches (Pan India) PNB 7,000 Promoter with 28.0% holding Employees (PNBHFL + PHFL) Corporate Overview PRESENCE Embedded in every corner Guided by our “Ghar Ki Baat” philosophy, we have Serving customers across 21 states, we have built a strong presence steadily deepened our footprint across the country, through an integrated network of digital bringing housing finance closer to communities that and physical channels. Supported by a robust distribution framework, have traditionally remained underserved. Through technology-enabled and legally our extensive branch network and distribution supported collection mechanisms, seamless digital operations, and channels, we continue to reach customers across paperless onboarding processes, we geogra [Showing first 8,000 characters — download PDF for full document]