PNB Housing Finance Limited Earnings Summary — Q4 FY2026

Ref: PNBHFL/SE/EQ/FY2026-27/14 April 25, 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: Transcript of Earnings Conference Call held on April 21, 2026 – Q4FY26

_**Ref:** Our letters (i) PNBHFL/SE/EQ/FY2026-27/05 dated April 13, 2026 (Earnings call invitee)_ _(ii) PNBHFL/SE/EQ/FY2026-27/10 dated April 21, 2026 (Audio Link)_

Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended from time to time, please find attached the transcript pertaining to the earnings call held on April 21, 2026 on Audited Financial Results (Standalone and Consolidated) of the Company for the quarter and financial year ended March 31, 2026.

This intimation is 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 [www.pnbhousing.com](http://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: 9

th Floor, Antriksh Bhawan, 22 K G Marg, New Delhi – 110 001 Phone: 011-66030500, E-mail: [investor.services@pnbhousing.com](mailto:investor.services@pnbhousing.com), Website: [www.pnbhousing.com](http://www.pnbhousing.com/)

# CIN: L65922DL1988PLC033856

Public

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“PNB Housing Finance Limited
Q4 & FY 25-26 Earnings Conference Call”
April 21, 2026

MANAGEMENT: MR. AJAI KUMAR SHUKLA – MANAGING DIRECTOR
AND CHIEF EXECUTIVE OFFICER – PNB HOUSING
FINANCE LIMITED
MR. VINAY GUPTA – CHIEF FINANCIAL OFFICER –

MR. VINAY GUPTA – CHIEF FINANCIAL OFFICER –
PNB HOUSING FINANCE LIMITED
MR. CHAITANYA YADAV – NATIONAL HEAD,
CORPORATE PLANNING AND INVESTOR RELATIONS –
PNB HOUSING FINANCE LIMITED

MR. VINAY GUPTA – CHIEF FINANCIAL OFFICER –
PNB HOUSING FINANCE LIMITED
MR. CHAITANYA YADAV – NATIONAL HEAD,
CORPORATE PLANNING AND INVESTOR RELATIONS –
PNB HOUSING FINANCE LIMITED

Internal

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Moderator:

Ladies and gentlemen. Good day and welcome to PNB Housing Finance Limited Q4 and FY
2025-26 Earnings Conference Call. As a reminder, all participant lines will be in the listen-only
mode and there will be an opportunity for you to ask questions after the presentation concludes.
Should you need assistance during the conference call, please signal an operator by pressing star
then zero on your touchtone phone. Please note that this conference is being recorded.

I now hand the conference over to Mr. Chaitanya Yadav, National Head, Corporate Planning and
Investor Relations. Thank you and over to you, Mr. Yadav.

Chaitanya Yadav:

Thank you, Renju. Good morning and welcome everyone. We are here to discuss PNB Housing
Finance Q4 and FY 25-26 results. You must have seen our business and financial numbers in the
presentation and the press release shared with the Indian Stock Exchanges and are also available
on our website.

With me, we have our management team led by Mr. Ajai Kumar Shukla, Managing Director and
CEO of the company. We will begin this call with the performance update by the management
team, followed by an interactive Q&A session.

Please note this call may contain forward-looking statements which exemplify our judgment and
future expectations concerning the development of our business. These forward-looking
statements involve risks and uncertainties that may cause actual developments and results to
differ materially from our expectations. PNB Housing Finance undertakes no obligation to
publicly revise any forward-looking statements to reflect future events or circumstances. A
detailed disclaimer is on slide 46 of the investor presentation.

With this, I will now hand over the call to our MD and CE

…