The Company has submitted Business Responsibility and Sustainability Report for the Financial Year 2025-26.

Ref: PNBHFL/SE/EQ/FY2026-27/42 July 23, 2026 BSE Limited, 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(s), Sub: Business Responsibility and Sustainability Report for FY 2025-26 Pursuant to Regulation 34(2)(f) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, please find enclosed herewith the Business Responsibility and Sustainability Report (BRSR) for FY 2025-26 including Assurance Report on BRSR Core by Bureau Veritas (India) Private Limited, which forms part of the Annual Report. The Business Responsibility and Sustainability Report is also available on the website of the Company at https://www.pnbhousing.com/ Kindly take the above intimation 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 – 110001 Phone: 011-66030500, E-mail: investor.services@pnbhousing.com, Website: www.pnbhousing.com CIN: L65922DL1988PLC033856 Public 38th Annual Report 2025-26 95 Statutory Reports Directors’ Report Annexure – 1 BUSINESS RESPONSIBILITY AND SUSTAINABILITY REPORT (BRSR) Section A: General Disclosures I. Details of the listed entity 1. Corporate Identity Number (CIN) of the Listed Entity L65922DL1988PLC033856 2. Name of the Listed Entity PNB Housing Finance Limited 3. Date of Incorporation 11th November 1988 4. Registered office address 9th Floor, Antriksh Bhawan, 22 Kasturba Gandhi Marg, New Delhi 110001 5. Corporate address RMZ Infinity Park, 1st Floor and 6th Floor, Plot No. 15, Udyog Vihar, Gurugram – 122015 6. E-mail secretarial.cso@pnbhousing.com 7. Telephone 011-23445200 8. Website www.pnbhousing.com 9. Financial year for which reporting is being done FY26 (1st April 2025 to 31st March 2026), FY25 & FY24 10. Name of the Stock Exchange(s) where shares are listed National Stock Exchange of India Limited and BSE Limited 11. Paid-up Capital H260.54 crore 12. Name and contact details (telephone, email address) of the person Ms. Veena G Kamath who may be contacted in case of any queries on the BRSR report Company Secretary Email Id: veena.kamath@pnbhousing.com Telephone Number: 011-23445200 13. Reporting boundary - The disclosures made are on the standalone basis for PNB Housing Are the disclosures under this report made on a standalone basis Finance Limited only consisting of all the locations including the (i.e. only for the entity) or on a consolidated basis (i.e. for the corporate office. entity and all the entities which form a part of its consolidated financial statements, taken together). 14. Name of assessment or assurance provider Bureau Veritas (India) Private Limited 15. Type of assessment or assurance obtained Reasonable Assurance covers the nine BRSR Core KPIs. II. Products/Services 16. Details of business activities (accounting for 90% of the turnover): Description of % of Turnover of S. No. Description of Business Activity Main Activity the entity 1 Financial and PNB Housing Finance Limited (PNBHFL, ’the Company’) was incorporated on 11th 100% Insurance November 1988. The Company is primarily engaged in the business of providing loans to Service individuals and corporate bodies for purchase, construction, repair and upgradation of houses. It also provides loans for commercial space, loans against property and loan for purchase of residential plots. The Company is deposit taking Housing Finance Company registered with National Housing Bank (NHB) under Section 29A of the National Housing Bank Act, 1987. The Company is listed on BSE Limited and National Stock Exchange of India Limited. 17. Products/Services sold by the entity (accounting for 90% of the entity’s turnover): % of total turnover S. No. Product/Services NIC Code contributed 1 Providing loans to individuals and corporate bodies for purchase, construction, repair and 64192 100% up-gradation of houses. All the other activities revolve around the main business. 96 PNB Housing Finance Limited III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated: S. No. Location Number of plants Number of offices Total 1. National Not Applicable* 418 418 2. International NIL NIL *We are a Non-Banking Financial Company-Housing Finance Company (NBFC-HFC) and hence do not undertake any manufacturing activity. 392 Branches, 17 Hubs, 3 DST & 6 Offices adds to 418. 19. Markets served by the entity We have established a strong and strategically positioned physical presence across the country to remain closer to our customers and serve their housing finance needs effectively. a. Number of locations S. No. Locations Number 1. National (Number of states) 21 2. International (Number of countries) NIL b. What is the contribution of exports as a percentage of the total turnover of the entity? Not applicable. c. A brief on types of customers S erving customers across the income spectrum, we are strengthening our affordable lending offerings and concentrating on geographies with significant demand for affordable housing loans. Individual Housing Loan disbursed in FY26 Category Household Income/annum % in Number of % in Value terms Applicants Economically Weaker Section Up to I3 lakh 6.40% 2.32% Low Income Group Above I3 lakh up to I6 lakh 29.86% 16.50% Middle Income Group Above I6 lakh up to I18 lakh 48.57% 47.07% Others Above I18 lakh 15.17% 34.11% Total 100.00% 100.00% Individual Housing Loans customer profiling - Salaried customers 68.78% Self-employed (including professionals) customers 31.22% The average size of individual loans stood at I31.24 Lakhs The average loan to value ratio at origination was 59.78% The average age of the customer was 39 Years Deposits: As on 31st March 2026, total outstanding deposits stood at H18,055 crore. 38th Annual Report 2025-26 97 Statutory Reports Directors’ Report IV. Employees 20. Details as at the end of Financial Year: a. Employees and workers (including differently-abled): Total Male Female S. No. Particulars (A) No. (B) % (B/A) No. (C) % (C/A) Employees 1. Permanent (D) 2,355 1,881 79.87% 474 20.13% 2. Other than permanent (E) NIL NIL NIL NIL NIL 3. Total employees (D+E) 2,355 1,881 79.87% 474 20.13% Workers 4. Permanent (F) NIL NIL NIL NIL NIL 5. Other than permanent (G) 611 545 89.20% 66 10.80% 6. Total workers (F+G) 611 545 89.20% 66 10.80% Other than permanent workers include security, housekeeping & facility management staff on third party contract. b. Differently-abled Employees and workers: Total Male Female S. No. Particulars (A) No. (B) % (B/A) No. (C) % (C/A) Differently-abled Employees 1. Permanent (D) 29 26 89.66% 3 10.34% 2. Other than permanent (E) NIL NIL NIL NIL NIL 3. Total Differently-abled employees (D+E) 29 26 89.66% 3 10.34% Differently-abled Workers 4. Permanent (F) NIL NIL NIL NIL NIL 5. Other than permanent (G) NIL NIL NIL NIL NIL 6. Total Differently-abled workers (F+G) NIL NIL NIL NIL NIL 21. Participation/Inclusion/Representation of women Total No. and percentage of Females No. (A) No. (B) % (B/A) Board of Directors 7 1 14.29% Key Management Personnel 3 1 33.33% 22. Turnover rate for permanent employees and workers FY26 FY25 FY24 Category Female Male (%) Total (%) Male (%) Female (%) Total (%) Male (%) Female (%) Total (%) Permanent employees 17.51% 12.65% 16.59% 16.05% 15.30% 15.91% 17.63% 15.43% 17.27% Permanent workers NIL NIL NIL NIL NIL NIL NIL NIL NIL *Voluntary Turnover 98 PNB Housing Finance Limited V. Holding, Subsidiary and Associate Companies (including Joint ventures) 23. Names of holding/subsidiary/associate companies/joint ventures Name of the holding/subsidiary/ Indicate whether % of shares Does the entity indicated at column A, participate in the S. No. associate companies/joint holding/subsidiary/ held by listed Busin [Showing first 8,000 characters — download PDF for full document]