Exclusive: Girish Kousgi, MD & CEO, PNB Housing Fin, On Q2, Rising NII & NIM, NPA & FY25 Plans

PNB Housing Finance Limited has released its Q2 FY25 consolidated unaudited financial results, showcasing a strong performance with a net profit increase of 22.6% year-on-year and 8.5% quarter-on-quarter, reaching ₹469.7 crore. Key highlights include a moderate Net Interest Income (NII) growth of 1.2% YoY to ₹668.6 crore, with the retail segment NII rising by 13%. Operating expenses increased by 18.6% YoY, and the disbursement surged by 27.8% YoY to ₹5,341 crore, fueled by impressive growth in the Affordable and Emerging Market segments. Gross NPA declined significantly, reaching 1.24% compared to 1.78% a year earlier, and recovery from the retail written-off pool added INR 48 crore. In this exclusive interview with Business Today TV, Girish Kousgi, MD & CEO of PNB Housing Finance, shares his views on Q2 performance, growth plans, and outlook for FY25. Watch the full interview to learn more about the company’s strategic trajectory and sectoral ambitions.