PNBHOUSING Q1 2027 Earnings Presentation

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pnb Housing Finance Limited Ghar Ki Baat Investor Presentation Quarter Ended June 2026 04 - August - 2026

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Table of Content 1 Key Performance Highlights Segment Update – Affordable3 4 Segment Update – Emerging Markets Asset Quality6 2 Business Update Financial Performance8 Segment Update – Prime5 Technology Update7 9 10 Ownership & Governance ESG Update & Awards

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 3 Business Metrics & Expansion • Disbursements grew 56% YoY on a cheque handover basis. Following shift to cheque realization-based recognition effective Q1 FY27, reported disbursements grew 18% YoY • Retail Loan book grew by 16% YoY to INR 89,178 crore; while overall Loan Book grew by 15% YoY to INR 89,670 crore • Pool buyout of INR 146 crore during Q1 FY27 to accelerate loan growth Q1 FY27 Executive Summary Margins • Spread remained stable sequentially at 2.12% in Q1 FY27 • Higher leverage in Q1 FY27 vs Q4 FY26 and the true-up impact of Q4 FY26 NIM led to 19 bps QoQ moderation in NIM • Yield improved marginally to 9.48% in Q1 FY27 from 9.47% in Q4 FY26. Marginal increase in CoB to 7.36% vs 7.35% in Q4 FY26 Asset Quality • GNPA continues to be stable at <1% at 0.95% vs 0.93% in Q4 FY26 • Recovered INR 67 crore in Q1 FY27 from total written-off pool • Fraud reported in July’26 pertains to a legacy account that was fully written off in FY2022-23, with no financial impact Profitability • PAT grew by 4% YoY to INR 557 crore in Q1 FY27 as against INR 533 crore in Q1 FY26 • ROA stood at 2.37% in Q1 FY27 and 2.66% in FY26 ✓

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 82,100 90,921 93,021 77,732 87,347 89,670 Q1 FY26 Q4 FY26 Q1 FY27 AUM Loan Book Key Performance Highlights – Q1 FY27 (YoY | QoQ) AUM / Loan Book YoY : 13% / 15% | QoQ : 2% / 3%YoY : 18% | QoQ : -37% YoY : -11bps / -11 bps | QoQ : 2 bps / 1 bps YoY : -11 bps / -24 bps | QoQ : Flat / -19 bps YoY : -20 bps | QoQ : -52 bps YoY : -96 bps | QoQ : -250 bps 4 Disbursement GNPA / NNPADisbursement GNPA / NNPA Spread / NIM ROA ROE 1.06% 0.93% 0.95% 0.69% 0.57% 0.58% Q1 FY26 Q4 FY26 Q1 FY27 GNPA NNPA 2.23% 2.12% 2.12% 3.74% 3.69% 3.50% Q1 FY26 Q4 FY26 Q1 FY27 Spread NIM 2.57% 2.89% 2.37% Q1 FY26 Q4 FY26 Q1 FY27 12.39% 13.94% 11.44% Q1 FY26 Q4 FY26 Q1 FY27 4,980 9,355 5,882 * Q1 FY26 Q4 FY26 Q1 FY27 * Cheque handover Disbursement : INR 7,752 Cr.(56% YoY) After one time impact of change in disbursement recognition (INR Crore) (INR Crore)

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Q1 FY27 9.48% 7.36% 2.12% 3.50% 3.92% 0.99% 2.93% -0.12% 2.37% 11.44% Q4 FY26 9.47% 7.35% 2.12% 3.69% 4.07% 1.08% 2.99% -0.78% 2.89% 13.94% ROA Tree YoY -51 bps -40 bps -11 bps -24 bps -14 bps -3 bps -11 bps 15 bps -20 bps -96 bps Particulars Yield CoB Spread NIMs GIMs Opex to ATA PPOP to ATA Credit Cost to ATA ROA ROE QoQ 1 bps 1 bps - -19 bps -15 bps -9 bps -7 bps 66 bps -52 bps -250 bps Q1 FY26 9.99% 7.76% 2.23% 3.74% 4.06% 1.02% 3.04% -0.27% 2.57% 12.39% 3.62%* • Spread remain flat QoQ • 12bps NIM contraction driven by increase in leverage and lower yield on Total Assets • * 7bps difference due to adjustment for the actual number of days vs monthly convention 5

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Strategic Objectives Sustainable Business Growth High Yielding Portfolio Growth • Focus on high yielding Affordable and Emerging Markets segment to improve Yield and NIM • Reinitiate corporate lending with disciplined risk management, capping exposure at under ~10% of the total loan portfolio • New Initiatives and growth opportunities Asset Quality • Sustain best-in-class asset quality through robust underwriting, rigorous monitoring and continues policy refinements Technology & Artificial Intelligence • Leverage technology for paperless journey across the loan cycle and AI pilots to drive productivity & efficiency Consistent Profitabilty • Driving Sustainable Profitability through NIM Optimization, Cost Efficiency and Superior Asset Quality 7

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public High Yielding Portfolio Growth Shift towards high yielding segment Launch of Micro Housing Finance for Higher Yields Expanded Affordable Business from select Prime & Emerging Branches Launch of Emerging Developer Finance Unlocking New Growth Levers to Scale the High-Yielding Portfolio Micro Housing initiative is under way, with rollout expected from Q2 FY27 71 700 Q1 FY27 FY27 Plan 8 28 1,500 Q1 FY27 FY27 Plan 63% 60% 59% 55% 37% 40% 41% 45% FY25 FY26 Q1 FY27 FY27 Plan Emerging Markets+Affordable Prime (INR Crore) (INR Crore)

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Loan Asset Mix Segment Mix Retail Product Mix Retail Profile Mix(INR Crore) Retail Product Mix Retail Profile Mix Loan AssetDisbursement 99.0% 99.5% 99.5% 1.0% 0.5% 0.5% 30-Jun-25 31-Mar-26 30-Jun-26 Corporate Retail 71.3% 67.6% 66.8% 28.7% 32.4% 33.2% Non Housing Loan Individual Housing Loan 66.8% 56.1% 33.2% 43.9% Q1 FY26 Q1 FY27 60.2% 45.0% 39.8% 55.0% Q1 FY26 Q1 FY27 Self employed Salaried 60.9% 59.0% 58.6% 39.1% 41.0% 41.4% Self Employed Salaried 77,732 4,980 5,667 Non Housing Loan Individual Housing Loan 89,670 30-Jun-25 31-Mar-26 30-Jun-26 30-Jun-25 31-Mar-26 30-Jun-26 87,347 9 • Live loan accounts serviced by the Company crossed 3,87,000 as on 30-Jun-26 • Average ticket size for Individual Housing loan and Retail Non-Housing at INR 29 lac and INR 27 lac respectively (as on 30-Jun-26) • Affordable and Emerging Markets segment contribute 46% of the Retail disbursement (INR Crore)

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 38% 62% 355 Wide Retail Distribution Network Map not to scale. All data, information and maps are provided “as is” without warranty or any representation of accuracy, timeliness or completeness. Loan Asset – Geographical Breakup Disbursement - Geographical Break-up 49 30-Jun-25 30-Jun-26 Disbursement Channel Mix – Q1 FY27 Top 5 State share in the Retail Loan Asset (%) State 30-Jun-26 30-Jun-25 Maharashtra 18.8% 21.0% Tamil Nadu 12.2% 12.1% Delhi NCR 11.3% 11.0% Karnataka 9.0% 8.7% Telangana 8.5% 9.0% 33% 32% 35% 35% 32% 33% 30-Jun-25 30-Jun-26 26% 25% 37% 32% 37% 43% 30-Jun-25 30-Jun-26 North South West Inhouse DSA OUR OFFICE NETWORK 10 404 # Branches

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Retail Business Update • Delivered 16% YoY Retail loan book growth; sustained momentum • Affordable and Emerging Markets segment contributes 46% of the total Retail disbursement and 41% of the Retail loan book • Retail disbursements up 14% post accounting change. Will normalize from next quarter • Delivered better yield vs Q4 FY26 across all segments • Branch expansion focused on high yielding Affordable and Emerging Markets segment. Also started Affordable business from select Prime and Emerging Markets segment branches from Q1 FY27 Loan Asset (INR crore) Q1 FY27 Q4 FY26 Q1 FY26 Change (QoQ) Change (YoY) Affordable 8,556 8,153 5,744 5% 49% Emerging Markets 27,676 26,820 22,701 3% 22% Prime 52,780 51,953 48,478 2% 9% DA Pool Buyout 166 20 - - - Total 89,178 86,946 76,923 3% 16% Disbursement (INR crore) Q1 FY27 Q4 FY26 Q1 FY26 Change (QoQ) Change (YoY) Affordable 555 1,249 765 -56% -27% Emerging Markets 2,029 3,021 1,736 -33% 17% Prime 3,083 4,750 2,479 -35% 24% Total 5,667 9,020 4,980 -37% 14% Incremental Yield Q1 FY27 Q4 FY26 Q1 FY26 Change (QoQ) Change (YoY) Affordable 11.85% 11.35% 12.22% 50 bps -37 bps Emerging Markets 9.31% 9.23% 9.61% 8 bps -30 bps Prime 9.00% 8.92% 9.26% 8 bps -26 bps No. of Branches Q1 FY27 Q4 FY26 Q1 FY26 Change (QoQ) Change (YoY) Affordable 232 229 200 +3 +32 Emerging Markets 89 85 78 +4 +11 Prime 82 77 76 +5 +6 11

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 66.1% 65.0% 64.3% 64.2% 64.1% 33.9% 35.0% 35.7% 35.8% 35.9% Affordable Segment Update Branches Loan Asset (INR crore) Disbursement (INR crore) Incremental Yield (%) Loan Asset by Product (%) Loan Asset by Profile (%) 5,744 6,531 7,140 8,153 8,556 Non Housing Loan Individual Housing Loan Individual Housing LoanNon Housing Loan 59.4% 57.5% 56.7% 55.5% 57.1% 40.6% 42.5% 43.3% 44.5% 42.9% Q4 FY25 Q1FY26 Q2FY26 Q3 FY26 Q4 FY26 Self-employed Salaried Q1 FY26 Q1 FY26 Q1 FY26 61.9% 765 Q2 FY26 60.4% 39.6% 823 Q2 FY26 Q2 FY26 Q4 FY26 Q3 FY26 38.1% Q3 FY26 59.0% 41.0% 786 Q1 FY26 Q2 FY26 Q3 FY26Q4 FY26 Q4 FY26 Q1 FY27 12.22% 12.11% 12.10% 11.35% 11.85% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 64.5% 35.5% 1,249 Q3 FY26 49% Q1 FY27 Q1 FY27 Q1 FY27 13 200 198 198 229 232 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 60.5% 39.5% 555* -27% * On cheque handover basis, disbursement is 847 Cr ( by 11% YoY) Q4 FY26

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Affordable Segment Distribution Strategy Loan Asset Geographical Breakup Geographic Presence Disbursement Channel Mix – Q1 FY27 State # Branches % of Loan Asset 31-Jun-26 31-Jun-25 Uttar Pradesh 31 15.3% 16.2% Tamil Nadu 32 15.0% 16.8% Maharashtra 26 14.3% 14.1% Madhya Pradesh 21 12.8% 14.1% Rajasthan 30 12.7% 13.2% Derisking the Geographical presence; with branch expansions, top 5 states contribution reduced to 70.1% of Loan Asset as on 30-Jun-26 vs 74.4% a year ago 34% 33% 33% North South West 37.8% 62.2% In House DSA OUR OFFICE NETWORK Disbursement Geographical Breakup – Q1 FY27 North South West 34% 40% 26% 14

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Upto 700 Affordable Segment Portfolio Matrix Loan Asset by Profile – Formal/Informal Loan Asset by Credit history Loan Asset by Purpose SAL - Formal SAL - Informal SE - InformalSE - Formal Purchase/resale Plot + Construction Home Extension Self Construction Non-Housing Loan Upto 10 lacs 10 to 15 lacs 25 to 35 lacs 15 to 25 lacs > 35 lacs Loan Asset by Ticket Size NTC >700-750 >750 53.1% 4.0% 18.0% 24.8% ATS 16 Lacs 10.6% 9.9% 29.6% 49.9% 15 34.7% 12.9%15.3% 1.2% 35.9% 17.8% 22.0% 33.2% 16.7% 10.3%

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public • All asset quality indicators stable: slight uptick due to seasonality in Q1 FY27 vs Q4 FY26 • Enhanced field collection efforts supported by coordinated legal actions • Omnichannel customer outreach and tech-enabled collection processes are driving higher recovery efficiency • All metrics better than industry benchmarks Affordable Segment Asset Quality Bounce Rate DPD 30+ (%) Gross NPA (%) As per ICRA, the 30+ and 90+ delinquencies for AHFCs as on Dec-25 is 3.8% and 1.4% 16 11.0% 11.1% 11.4% 12.0% 11.5% 11.4% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 0.59% 0.91% 1.40% 1.42% 1.32% 1.60% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 0.21% 0.33% 0.51% 0.66% 0.62% 0.74% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 2.58% 2.49% 2.33% 2.11% 2.09% 0.81% 0.82% 0.81% 0.72% 0.70% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1 FY27 64.4% 64.0% 63.3% 62.4% 61.5% 35.6% 36.0% 36.7% 37.6% 38.5% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 69.5% 67.9% 67.1% 65.2% 64.4% 30.5% 32.1% 32.9% 34.8% 35.6% Emerging Markets Segment Update 30+ & 90+ Loan Asset (INR crore) Disbursement (INR crore) Incremental Yield (%) Loan Asset by Product (%) Loan Asset by Profile (%) 22,701 23,994 24,998 26,820 27,676 N u m b e r o f B r a n c h e s Non Housing Loan Individual Housing Loan 9.61% 9.47% 9.38% 9.23% 9.31% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Non Housing Loan Individual Housing Loan Q1 FY26 Q2 FY26 Q1 FY26 Self-employed Salaried Q2 FY26 1,736 Q2 FY26 Q1 FY26 2,122 Q3 FY26 35.2% 38.4% 64.8% 61.6% Q3 FY26Q3 FY26 Q4 FY26 Q4 FY26 Q4 FY26 59.9% 40.1% 2,149 78 83 83 85 30+ 90+ Q1 FY27 89 Q1 FY27 Q1 FY27 57.8% 42.2% 3,021 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 22% 18 54.8% 45.2% 2,029* 17% * On cheque handover basis, disbursement is 2,574 Cr ( by 48% YoY)

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 3.46% 3.22% 3.01% 2.72% 2.75% 1.28% 1.22% 1.22% 1.09% 1.13% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Prime Segment Update 30+ & 90+ Loan Asset (INR crore) Disbursement (INR crore) Incremental Yield (%) Loan Asset by Product (%) Loan Asset by Profile (%) 60.6% 60.0% 59.3% 58.5% 57.4% 39.4% 40.0% 40.7% 41.5% 42.6% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Non Housing Loan Individual Housing Loan 72.8% 72.1% 71.4% 69.4% 68.6% 27.2% 27.9% 28.6% 30.6% 31.4% Non Housing Loan Individual Housing Loan 9.26% 9.12% 9.08% 8.92% 9.00% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q1 FY26 Self-employed Salaried Q3 FY26 Q2 FY26 2,479 69.6% 30.4% 34.8% 65.2% Q3 FY26 3,050 Q4 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 60.1% 39.9% 3,282 76 73 75 77 30+ 90+ 82 Q1 FY27 55.6% 44.4% 4,750 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 9% 20 N u m b e r o f B r a n c h e s 56.4% 43.6% 3,083* 24% * On cheque handover basis, disbursement is 4,116 Cr ( by 66% YoY) 48,477 48,914 49,793 51,953 52,780 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY27

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Controlled delinquency in business booked in last 12 and 24 months: Retail Portfolio Highlights 22 Focussed approach Consistent focus on mid and low-ticket loans; 95% of fresh sanction volume on-boarded has ticket size of less than INR 1 crore. Sustainable growth Total sanctions in Q1 FY27 were INR 12,019 crore; registering a growth of 52% over Q1 FY26. Controlled Delinquency Stable Credit Quality Sourcing quality; 87% of the loans booked in Q1 FY27 has financial applicant’s bureau score of more than 700 Balance portfolio Maintained a balance portfolio with Individual Housing Loan at 67% and salaried customer at 59% of the retail portfolio 12 months Q4 FY26 Q1 FY27 30+ 0.08% 0.08% 90+ 0.01% 0.03% 24 months Q4 FY26 Q1 FY27 30+ 0.35% 0.24% 90+ 0.11% 0.14% 22

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Retail Collections Update Collection Efficiency 99.2% 99.9% 99.4% 99.4% 99.1% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 98 178 192 221 129 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Overall GNPA Q1 FY26 Q2 FY26 -0.27% Q3 FY26 -0.53% Q4 FY26 -0.19% Q1 FY27 -0.78% Credit Cost Strong recovery from written-off pool; INR 22 crore in retail and INR 45 crore in corporate driving negative credit cost 23 Write off Recovery (Amount in INR Cr) 40 34 22 24 22 Properties sold Retail write-off recovery amount -0.12% 825 830 855 809 851 1.06% 1.04% 1.04% 0.93% 0.95% 0.69% 0.69% 0.68% 0.57% 0.58% 0.00% 0.50% 1.00% 1.50% 2.00% 50 250 450 650 850 1050 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 GNPA (Amount) GNPA % NNPA % Corporate NPA Nil since Jun-24

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Expected Credit Loss (ECL) Provisions As per IndAS *With SICR Consolidated basis Particulars (INR Crore) 30-Jun-26 31-Mar-26 30-Jun-25 Gross Stage 1* 87,167 84,933 75,045 Gross Stage 1 as % to Loan Asset 97.21% 97.24% 96.54% ECL Provision Stage 1 292 290 441 ECL Provision % Stage 1 0.34% 0.34% 0.59% Gross Stage 2* 1,653 1,605 1,863 Gross Stage 2 as % to Loan Asset 1.84% 1.84% 2.40% ECL Provision Stage 2 309 313 306 ECL Provision % Stage 2 18.68% 19.50% 16.43% Gross Stage 3 851 809 825 Gross Stage 3 as % to Loan Asset 0.95% 0.93% 1.06% ECL Provision Stage 3 335 310 292 ECL Provision % Stage 3 39.43% 38.33% 35.36% Total Loan Asset 89,670 87,347 77,732 ECL Provision 936 913 1,039 Total ECL Provision / Total Loan Asset (%) 1.04% 1.05% 1.34% 24

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public | 26 Digitizing Onboarding journey: In-house developed sales enablement platform “Infinity” Lead Conversion Application & LAN Generation Applicant(s) Addition Integration with SFDC LOS Integration with PAN, CKYC, RPD, AA, DigiLocker Collateral & Reference Addition Document Upload as per Login Checklist Pre-integrated CKYC docs visibility + Integration with SFDC LOS for new DOCS Application form generation & eSign Integration with eSign & SFDC LOS 1650+ Avg. per day login 2400+ Avg. per day trans 2900+ Android Usage 350+ IOS usage Login Fee Collection Integration with Payment Gateway + SFDC LOS <> LMS - Integrated Incentive tracking - Annoucement & Knowledge hub Incentive & Engagement - PAN & CKYC - AA & DigiLocker - Payment Gateway - RPD - Reverse Penny Drop - eSign Digital Enablement - Lead Lifecycle & Conversion - Target vs. Achievement - RO to CSO Snapshot Lead & Performance - CRM workflow Integration - SFDC LOS - ODS Data push / Pull - Communication (SMS/ Email / WhatsApp) - Google map integration Core Business Integration - Activities, Calendar & Dashboard - Web & Mobile Access - Real time Credit Query update Sales Productivity - Digital Application & Documents - Application form generation - Quick Payment Collection Application Onboarding - User & Hierarchy Control - Geo & field Verification - Sanction & deviation view Governance & Compliance 750+ Avg. per day app onboarded 1400+ Avg. per day Leads Updated

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Digitizing Onboarding Journey: e-Sign & e-Stamp 27 Physical stamp papers procured through vendors, involving manual handling and dependency on availability Stamp duty paid digitally with instant generation of legally valid e-Stamp certificate Old Process – Manual Stamp & Wet Signing New Process – e-Stamp & eSign Agreements printed on paper and signed manually by customer and authorized signatories Agreements executed digitally using Aadhaar-based OTP, DSC, or eSign mechanisms High TAT due to printing, courier, customer coordination, and physical movement of documents Near real-time execution with end-to-end digital processing Completely remote and contactless experience, sign anytime, anywhere Requires branch visits or document courier, inconvenient especially for remote customers High operational cost due to printing, logistics, storage, and manual reconciliation Significantly reduced costs through paperless, automated workflows Limited traceability, manual logs and risk of document loss or damage Tamper-proof documents with complete digital audit trail and regulatory compliance Stamping Mechanism Document Execution Turnaround Time (TAT) Customer Experience Operational Cost & Effort Audit, Security & Compliance LIVE Journey Started @ 21st Jan’26 in Affordable Segment 2,610 # of eSign executed during Q1 FY27 Powered by

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public AS -IS ` FOUNDATION GenAI Pilots Higher Conversion – SUD Calling Regulatory Compliance – Re-KYC Bot Risk Mitigation – Pre-due calling Customer Retention – Top-Up Bot Market Strategy – Competition Landscaping IN MOTION SCALE -UP Deploy & Scale PoCs scaled enterprise-wide RO Copilot PD AI Assistant Grievance redressal bot Embedded in core workflows Autonomous, goal-driven agents Multi-agent orchestration Guardrailed & governed Self-learning loops Human-in-the-loop control TO -BE INCREASING AI MATURITY, AUTONOMY & BUSINESS VALUE OUTCOMES THAT COMPOUND Efficiency TAT Productivity Experience Smarter, faster CX Control Governed & compliant ROI Staged, de- risked FY26-27 Roadmap : From Gen AI Pilots to an Agentic Enterprise | 28 MATURITY Agentic AI

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Voice AI initiatives # Project Description Start Date POC / Go Live Date Status 1 SUD AI Calling Engages Sanctioned-Undisbursed customers to capture Disbursement Intended Date, resolve loan shortfall concerns and nudge them toward disbursement (3 months data) Jan 2026 Mar 2026 POC Live 86% Connected 56% Interested of connected Pool 41% Disb Date Captured of connected 29 19% Concerns 23% ROI Concerns 23% Docs/Process concern 15% 2 Pre-Delinquency AI Calling Predicts first-time default risk (DPD 1+) using 3–4 quarters of internal payment patterns and bureau data. Powers proactive collection calls before an EMI is missed, reducing early delinquency Feb 2026 Jun 2026 POC Live 76% Connected 28.4% PTP 39.6%Acknowledged due date 3% Claiming Paid, Legal threat 41% Regional Language Voice AI delivered 2x higher connectivity (75% vs. 35%) while maintaining comparable bounce rate, expected to improve over the next 2–3 months. Loan Amt Gap Proactive customer engagement drove improved business predictability, customer satisfaction, and stronger SDR (Sanction to Disbursement Rate) Refuse + Dispute 1.2% 3 Top-Up AI Calling Presents pre-approved top-up offers via voice, then guides customers through a PWA self-service flow with DigiLocker KYC, loan amount selection, e-sign and e-stamp — fully digital end-to-end. Mar 2026 Aug 2026 5 PLANNING Under UAT 4 Re-KYC AI Calling Automated outbound voice agent nudges customers to complete mandatory Re-KYC via a PWA link on WhatsApp — prioritised by risk tier, ensuring regulatory compliance without requiring branch visits. Feb 2026 Aug 2026 Under UAT

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 28.26%27.26% 7% 3% 5% 10% 11% 10% 28% 25% 24% 4% 8% 7% 36% 39% 38% 15% 14% 16% 1 2 3 28.96% 26.89% 27.87% 0.72% 0.37% 0.39% 1 2 3 Well Diversified Borrowing Profile Borrowing Mix Cost of Borrowing Borrowings (INR Crore) 71,199 73,699 NHB Refinance Term Loans ECBs Deposits NCDs CPs Q1 FY26 Reported COB Incremental COB Q2 FY26 7.76% 7.44% Q3 FY26 7.42% 7.69% Q4 FY26 7.50% 7.19% Q1 FY27 7.23%7.35% 64,844 CRAR 31-Mar-26 30-Jun-2630-Jun-25 Rating AAA(Outlook: Stable) AA+ (Outlook: Stable) 31-Mar-26 30-Jun-2630-Jun-25 Tier 1 Tier 2 31 7.41%7.36% 29.68%

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Consolidated Profit & Loss Statement 32 Particulars (INR Crore) Q1 FY27 Q1 FY26 YoY Q4 FY26 QoQ FY26 FY25 YoY FY24 Total Income 2,142 1,994 7% 2,059 4% 8,110 7,301 11% 6,777 Finance Cost 1,339 1,234 8% 1,246 7% 5,000 4,551 10% 4,261 Net Interest Income 803 760 6% 813 -1% 3,110 2,750 13% 2,516 Net Total Income 927 848 9% 926 0% 3,505 3,140 12% 2,796 Operating Expenses 237 216 10% 247 -4% 920 813 13% 670 - Employee Benefit Expenses 135 118 14% 125 7% 487 421 15% 337 - Depreciation and Amortisation 16 15 11% 19 -15% 66 56 19% 51 - Other Expenses 86 83 4% 103 -16% 367 336 9% 282 PPOP 689 632 9% 678 2% 2,584 2,327 11% 2,125 Credit Cost -29 -56 -48% -176 -83% -386 -159 144% 171 Profit Before Tax 718 688 4% 855 -16% 2,971 2,486 20% 1,954 Tax Expense 161 154 4% 199 -19% 679 550 24% 446 Net Profit after Tax 557 533 4% 656 -15% 2,291 1,936 18% 1,508 EPS (Basic) 21.4 20.5 - 25.2 - 88.0 74.5 - 58.4

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Consolidated Balance Sheet Particulars (INR Crore) 31-Mar-26 31-Mar-25 31-Mar-24 LIABILITIES 1 Financial Liabilities (a) Derivative financial instruments 4 50 - (b) Debt Securities 9,270 8,573 7,852 (c) Borrowings (Other than Debt Securities) 43,543 35,555 28,667 (d) Deposits 18,055 17,642 17,758 (e) Subordinated Liabilities 330 540 739 (f) Other financial liabilities 2,881 3,042 2,200 Sub Total - Financial Liabilities 74,084 65,401 57,216 2 Non-Financial Liabilities (a) Current Tax Liabilities 8 - - (b) Provisions 36 22 20 (c) Other non-financial liabilities 166 234 194 Sub Total - Non-Financial Liabilities 209 256 214 3 EQUITY (a) Equity Share capital 261 260 260 (b) Other Equity 18,959 16,603 14,715 Sub Total – Equity 19,219 16,863 14,974 TOTAL – EQUITY & LIABILITIES 93,512 82,520 72,405 Particulars (INR Crore) 31-Mar-26 31-Mar-25 31-Mar-24 ASSETS 1 Financial Assets (a) Cash and cash equivalents 2,483 2,160 2,142 (b) Loans 86,433 74,645 64,108 (c) Investments 2,779 3,381 4,346 (d) Other Financial Assets 1,462 1,836 1,221 Sub Total - Financial Assets 93,158 82,023 71,818 2 Non - Financial Assets (a) Tax Assets (Net) 24 179 313 (b) Property, Plant and Equipment 83 82 67 (c) Right of use assets 158 133 123 (d) Other Intangible assets 32 24 17 (e) Other non-financial assets 57 80 68 (f) Assets held for sale - - Sub Total - Non - Financial Assets 355 497 587 TOTAL - ASSETS 93,512 82,520 72,405 33

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Outstanding Shares Shareholding Pattern Top 10 Shareholders • Promoter (PNB) • Birla Sun Life Mutual Fund • HSBC Mutual Fund • Vanguard • ICICI Prudential Mutual Fund • SBI Life Insurance • PI Opportunities AIF V LLP • HDFC Mutual Fund • Franklin Templeton Mutual Fund • Canara Robeco Mutual Fund Promoter Foreign Inst. Investors Mutual Funds Bodies CorporatesPublic & Others GIC Singapore 26,05,89,92326,01,33,915 30-Jun-2630-Jun-25 35 28.1% 6.6% 17.6% 26.8% 8.3% 12.6% 28.0% 16.8%33.6% 8.2% 13.3%

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Ajai Kumar Shukla Managing Director and CEO Distinguished Board of Directors Dipankar Mahapatra Non-Executive Nominee Director Neeraj Vyas Independent Director Gita Nayyar Independent Director Tejendra Mohan Bhasin Independent Director D. Surendran Chairperson (Non-Executive Nominee Director ) 36 Rajiv Kumar Singh Additional Director (Independent Director) Shreekant Additional Director (Independent Director) *Joined on 10 July 2026 *Joined on 10 July 2026

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Smita Jain Head – Human Resources Anshul Dalela Chief of Operations & Customer Service Experienced and Professional Management Team Ajai Kumar Shukla Managing Director and CEO Jatul Anand Executive Director Vinay Gupta Chief Financial Officer Vipin Malhotra Head - Internal Audit Valli Sekar Ex Chief Business Officer Affordable Business Krishna Kant Chief Compliance Officer Anubhav Rajput Chief Information Officer Bhavya Taneja Chief Marketing Officer Vikas Rana Head - Construction Finance Veena Kamath Company Secretary Neeraj Manchanda Chief Risk Officer Mukesh Agarwal Chief Business Officer - Retail Rahul Jain Chief Strategy Officer 37 Satish Singh Chief Business Officer Affordable Business

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Governance Key Features of Governance • Risk Management Committee(RMC) of the Board oversees the company’s Risk Management practices and approve the Risk Management Framework of the company • Executive RMC Comprising of senior members review risk management framework • Business units are responsible for effective management of risk of their unit • Internal audit to independently assess the Internal controls and Risk Management Framework • Compliance function independently monitors the Regulatory compliances Report Measure Risk Framework Regulations Good Practices Policies Technology/SystemsDataPeople/Awareness Key Enablers Strategy Risk Appetite Risk Definitions Risk Based Performance Management Risk Based Capital Allocation Risk Aware Decision Making Governance 39

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Overarching ESG Framework 40 GOVERNANCE Cultivate leading standards of governance, accountability & trust SOCIAL Promote social equity & respect human dignity while enhancing inclusive reach ENVIRONMENT Scale conscious choices thereby contributing to a sustainable tomorrow Board Level Agenda Leadership Focus ESG Team Anchor Enriching Lives. Building Homes. Creating Value Responsible Growth Inclusive Impact Institutionalize a culture of ESG by building capabilities across all levels through continuous learning, programs, and strategic engagements. Driving ESG Excellence Stakeholder Engagement Ethical Business Conduct Transparency in Disclosures Cross Functional Participation Mindset of Ownership Cemented by our Principles Building Stronger Foundations for a Sustainable Future Embed a high performance ESG Culture through continuous capability building and engagement. Our Motivation Create Long term sustainable Value Good Governance Governance that guides the ESG journey ESG Ethos Conserve Respect Practice Cultivating a Future- Ready ESG Mindset Aligned with national priorities

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Sustainable Value Creation Model 41 Financial Capital Sound capital base (equity, debt). Service Capital Extensive Reach & network of branches. Intellectual Capital Tech-enabled platforms and processes. Human Capital Diverse and experienced workforce. Social Capital CSR programs promise value creation. Natural Capital Climate conscious approach in a best possible manner. Focus on retail loan book growth Expand affordable loan offering in TIER 2 & 3 cities Strengthen Asset quality through robust underwriting and collection Maintain a well diversified borrowing mix Drive growth through digitalization and innovation in processes Investors Improved financial metrics Customers Seamless on-boarding journey and faster turnaround Employees Performance-based recognition Learning opportunities for career progression Equal opportunity Community Empowering the marginalized sections Regulatory Bodies Strong culture of compliance People First Customer - Centric Ethical Standards Delivering on Strategic Priorities Built on our Core Values Our Enablers Creating Sustainable Value for Stakeholders Top Quintile In the Diversified Financial Services and Capital Markets industry in the S&P Global Corporate Sustainability Assessment.*** *** As of 09/02/2026 ** Feb 2026. ESG Ratings or Scores are not intended to predict a company’s future performance or serve as the sole basis for investment decisions. ESG ratings / scores do not constitute recommendations to buy, hold or sell any securities. ERPs – ESG rating providers. ESG Ratings from Resurgent are on solicited basis as on 16-04-26. ESG Rating Category: Aspiring NSE Sustainability Ratings & Analytics** ESG Scorecard Landscape - Domestic & Global Global Domestic (SEBI Registered ERPs) ESG Rating Grade: A+ Resurgent ESG Services Private Ltd.

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public ESG Dashboard 42 Environment GovernanceSocial 134 Hours clocked in POSH training 19.5% Women Employees 25300 Hours clocked in Learning Double Storey Building & solar at a shelter home for homeless in Gurugram ~2.49 GJ/ crore revenue Energy Intensity ~0.49 Ton/ crore revenue CO2e Emissions Intensity Scope 1 & Scope 2 combined using CEA & GHG protocol ~82% Women Loan Applicants/Co- Applicants** ~17% Women Primary Loan Applicants** 80%+ Loan Applicants from EWS, LIG & MIG In Individual Housing Loans in Q1 FY27* ~0.13 Ton/passenger CO2e Emissions Intensity (Scope 3 – Business Travel by Air) using DESNZ Database based on GHG protocol 3X Times in a row Empowering women of migrant construction workers through skill-based livelihoods and crèche support for children. ISO 27001 : 2022 Certified. ensures alignment with all data-protection & information security protocols. 100% Disclosures on Essential & Leadership Indicators in BRSR 15.8% Women in senior management • * EWS – Economically weaker section Annual Income: <0.3 Million. LIG, MIG – Low (Annual Income: 0.3 – 0.6 million) & Medium (Annual income: 0.6 – 1.8 million) Income Group • **Basis Live Loan Accounts as on 30th June 2026. • ESG Learning Hours is from 1st April 2026 – 30th June 2026. PCAF – Partnership for Carbon Accounting Financials. GRI – Global Reporting Initiative. Aligning with Latest GRI Sustainability Reporting Standards Aligning with PCAF framework for computation of Financed emissions and inventorization 100 Hours in ESG learning Expert Software Platform for Compliance Management and monitoring Financial inclusion: Enhancing affordable homeownership and empowering women borrowers through inclusive lending practices.

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Glossary ATA Average Total Assets ATS Average Ticket Size AUM Asset Under Management COB Cost of Borrowing CP Commercial Paper CRAR Capital to Risk Asset Ratio DSA Direct Selling Agents DPD Due Past Days ECB External Commercial Borrowing ECL Expected Credit Loss EPS Earning Per Share GIM Gross Interest Margin GNPA Gross Non-Performing Asset NCDs Non-Convertible Debentures NIM Net Interest Margin NNPA Net Non-Performing Asset NTC New to credit PAT Profit After Tax PPOP Pre-provision Operating Profit ROA Return on Asset ROE Return on Equity STP Straight Through Process Ratios Formulas Used Average Yield (%) (Interest Income + Assignment Income) on Loans / Average Loan Book NIM (%) Net Interest Income including assignment income / Average Earning Assets Opex to ATA (%) Total Operating Expenditure net of acquisition cost / Average Total Assets as per Balance sheet 44

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Disclaimer This presentation and the accompanying slides (the “Presentation”), which have been prepared by PNB Housing Finance Limited (the “Company”), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation, directly or indirectly, in any manner, or inducement to sell or issue, or any solicitation of any offer to purchase or subscribe for any securities of the Company in any jurisdiction, and shall not form the basis or be relied on in connection with any contract or binding commitment what so ever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation is not a prospectus, disclosure document, a statement in lieu of a prospectus, an offering circular, an advertisement or an offer document under the Companies Act, 2013, and the rules made thereunder, as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended, or any other applicable law in India. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation, and nothing in this Presentation shall be relied upon as a promise or representation in this respect, whether as to the past or the future. Financial information of the Company included herein may differ from its quarterly financial information as a result of certain adjustments made during the course of audit. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. The Presentation has not been independently verified and any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Certain matters discussed in this Presentation may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. All forward-looking statements are based on judgments derived from the information available to the Company at this time. Forward-looking statements can be identified by terminology such as such as “potential,” "opportunity," “expected,” “will,” “planned,” "estimated", “targeted”, "continue", "on-going" or similar terms. Such forward- looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. These risks and uncertainties include, but are not limited to, the performance of the Indian economy and of the economies of various international markets, the performance of the industry in India and world-wide, competition, natural calamities, inflation, deflation, the performance of the financial markets in India and globally, changes in Indian laws and regulations, including tax, accounting and housing finance companies regulations, changes in competition and the pricing environment in India, and regional or general changes in asset valuations, the Company’s ability to successfully implement its strategy, the Company’s future levels of growth and expansion, technological implementation, changes and advancements, changes in revenue, income or cash flows, the Company’s market preferences and its exposure to market risks, as well as other risks. The Company’s actual results, levels of activity, performance or achievements could differ materially from results expressed in or implied by this Presentation. The Company assumes no obligation to update any forward-looking information contained in this Presentation. Any forward-looking statements and projections made by third parties included in this Presentation are not adopted by the Company and the Company is not responsible for such third party statements and projections. Given these uncertainties and other factors, viewers of this Presentation are cautioned not to place undue reliance on these forward-looking statements. The information in this Presentation does not constitute financial advice (nor investment, tax, accounting or legal advice) and does not take into account an investor’s individual investment objectives, including the merits and risks involved in an investment in the Company or its securities, or an investor’s financial situation, tax position or particular needs. Past performance information in this Presentation should not be relied upon as an indication of (and is not an indicator of) future performance. The contents of this Presentation are strictly confidential and may not be copied or disseminated, reproduced, re-circulated, published, advertised or redistributed, in whole or in part, to any other person or in any media, website or otherwise in any manner without the Company’s written consent. 45

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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 4646 Thank You Company: PNB Housing Finance Limited CIN: L65922DL1988PLC033856 Mr. Chaitanya Yadav National Head – Corporate Planning and Investor Relations Phone: +91 124 6030500 Investor.relations@pnbhousing.com www.pnbhousing.com

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