Mumbai, April 29 -- Net interest income grew by 16.2% YoY and 5.5% QoQ to Rs 734 crore during the quarter. Net Interest Margin stood at 3.75% in Q4 FY25 compared with 3.70% in Q3 FY25 and 3.65% in Q4 FY24. Gross Margin, net of acquisition cost, stood at 4.27% in Q4 FY25.

Operating expenditure grew by 18.2% YoY and 2.6% QoQ to Rs 208 crore. Pre-provision operating profit grew by 14.1% YoY and 11.5% QoQ to Rs 646 crore. With recovery from write-off pool, Credit Cost was -32 bps in Q4 FY25 as against -19 bps in Q3 FY25 and 4 bps in Q4 FY24.

Annually, PNB Housing Finance's profit after tax is at Rs 1,936 crore compared with Rs 1,508 crore in FY24, registering an increase of 28.4% YoY. Net interest income grew by 9.3% YoY to Rs 2,750 crore. ...