The Company has submitted the Press Release on the Financial Performance of the Company for the quarter ended June 30, 2026

PNBHFL/SE/EQ/FY2026-27/49 August 04, 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/Madam, Sub: Press Release on the financial performance of the Company for the quarter ended June 30, 2026 Ref: Our letter PNBHFL/SE/EQ/FY2026-27/48 dated August 04, 2026 Please find enclosed the Press Release on the financial performance of the Company for the quarter ended June 30, 2026. This press release is submitted pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and the same shall also be available on the website of the Company at https://www.pnbhousing.com Kindly take the above document 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 Press Release For Immediate Release 4th August 2026, New Delhi Consolidated Un-audited Financial Results for Q1 FY2026-27 ended 30th June 2026 The Board of Directors of PNB Housing Finance Limited today approved the Consolidated Audited Financial Results for the quarter and financial year ended 30th June 2026. Key Performance Metrics for Q1 FY27 Q1 Q4 Growth Q1 Growth Growth Particulars FY26 FY25 FY27 FY26 (%) FY26 (%) (%) Loan Assets 89,670 87,347 3% 77,732 15 % 87,347 75,765 15% Disbursement 5,882 9,355 -37% 4,980 18% 26,548 21,972 21% Net Interest Income 803 813 -1% 760 6% 3,110 2,750 13% PAT 557 656 -15% 533 4% 2,291 1,936 18% NIM 3.50% 3.69% -19bps 3.74% -24bps 3.68% 3.70% -2 bps Opex to ATA 0.99% 1.08% -9bps 1.02% -3bps 1.05% 1.05% 0 bps ROA 2.37% 2.89% -52bps 2.57% -20bps 2.66% 2.55% 10 bps ROE 11.44% 13.94% -250bps 12.39% -96bps 12.73% 12.19% 54 bps GNPA 0.95% 0.93% 2bps 1.06% -11bps 0.93% 1.08% -15 bps Performance Highlights Loan Portfolio • Assets Under Management stood at INR 93,021 crore as on Q1 FY27, reflecting a consistent growth of 13%YoY growth. • Retail Loan Asset grew by 16% YoY to INR 89,178 crore as on 30th June 2026, which is 99.5% of the Total Loan Asset. • Affordable and Emerging Markets segment grew by 27% YoY and contributed 41% to the Retail Loan Asset. Disbursements • Overall Disbursements up 18% YoY after one-time impact of change in accounting in disbursement recognition from cheque handover to cheque realization. Regd. Office: 9th Floor, Antriksh Bhavan, 22 Kasturba Gandhi Marg, New Delhi – 110 001 Phone: 011 – 23736857, E-mail: loans@pnbhfl.com, Website: www.pnbhfl.com CIN: L65922DL1988PLC033856 Public Asset Quality • GNPA continues to be <1% at 0.95%. • Recovered 67 crore in Q1 FY27 from total written off pool resulting in -12 bps credit cost. Profitability • Net profit for Q1 FY27 grew by 4% YoY to INR 557 crore. • Spread maintained at 2.12% QoQ during Q1 FY27 and declined by 11 bps on YoY basis. • Cost of borrowing for Q1 FY27 increased slightly at 7.36% despite tight liquidity on account of macro-economic conditions. • Net Interest Margin moderated by 19 bps QoQ due to increase in leverage in Q1 FY27 and true up of Q4 FY26 reported NIM. • Opex to ATA improved to 0.99% in Q1 FY27 from 1.08% in Q4 FY26. • ROA for Q1 FY27 stood at 2.37% and ROE at 11.44%. • The total number of branches stands at 404 as on 30th June 2026, including 12 additions in Q1 FY27. • Capital Risk Adequacy Ratio remained healthy at 28.26% as on 30th June 2026; Tier I at 27.87%. Commenting on the performance Mr. Ajai Shukla, Managing Director & CEO said: “We have started FY27 on a steady note, with AUM growing 13% year-on-year to INR 93,021 crore and our Retail loan book growing 16% year-on-year. The Affordable and Emerging Markets segments continued to be key growth driver, registering 27% growth and contributing 41% to the Retail loan book. Asset quality continued to be strong, with GNPA at 0.95%, while healthy recoveries from the written-off pool supported our profitability. We remain focused on strengthening our distribution network and digital capabilities. Our ongoing digital transformation initiatives across sourcing, underwriting, servicing and collections are helping enhance customer experience, improve operational efficiency and support scalable growth. Backed by a strong capital position and prudent risk management practices, we remain well positioned to drive sustainable growth and create long-term value for our stakeholders.” About PNB Housing Finance Limited PNB Housing Finance Limited (NSE: PNBHOUSING, BSE: 540173) is promoted by Punjab National Bank and is a registered Housing Finance Company with National Housing Bank (NHB). The Company got listed on the Indian stock exchanges on 7th November 2016. The Company’s asset base comprises primarily of retail loans and corporate loans. The retail business focusses on organized mass housing segment financing for acquisition or construction of houses. In addition, it also provides loan against properties and loans for purchase & construction of non-residential premises. PNB Housing Finance is a deposit taking Housing Finance Company. Regd. Office: 9th Floor, Antriksh Bhavan, 22 Kasturba Gandhi Marg, New Delhi – 110 001 Phone: 011 – 23736857, E-mail: loans@pnbhfl.com, Website: www.pnbhfl.com CIN: L65922DL1988PLC033856 Public Disclaimer No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained in this release. The information contained in this release is only current as of its date. Certain statements made in this release may not be based on historical information or facts and may be “forward looking statements”, including those relating to the Company’s general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment. Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the Company’s business, its competitive environment and political, economic, legal and social conditions in India. This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person. This release does not constitute an offer or invitation to purchase or subscribe for any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. The Company may alter, modify or otherwise change in any manner the content of this release, without obligation to notify any person of such revision or changes. For more Information, please contact: Investor Relations Media Chaitanya Yadav, National Head – Corporate Bhavya Taneja, Chief Marketing Officer Planning & Investor Relations Phone: +91 124 6030500, + 91 89296 08392 Phone: +91 124 6030500, +91 9999727522 Email: bhavya.taneja@pnbhousing.com Email: Investor.relations@pnbhousing.com Regd. Office: 9th Floor, Antriksh Bhavan, 22 Kasturba Gandhi Marg, New Delhi – 110 001 Phone: 011 – 23736857, E-mail: loans@pnbhfl.com, Website: www.pnbhfl.com CIN: L65922DL1988PLC033856 Public Statement of consolidated financial results for the quarter ended June 30, 2026 (₹ in crore) Quarter ended Year ended S.no. Particulars 30-Jun-26 31-Mar-26 30-Jun-25 31-Mar-26 (Unaudited) (Audited) (Unaudited) (Audited) (Refer Note 11) Revenue from operations (i) Interest income 2,138.43 2,053.98 1,980.35 8,071.17 (ii) Fees and commission income 121.78 122.04 81.71 394.50 (iii) Net gain on fair value changes 3.23 5.51 14.05 38.85 I Total revenue fr [Showing first 8,000 characters — download PDF for full document]