PNB Housing Finance cash flow

Latest FY26

Cash from operations: −₹8,984cr−₹8,057 cr in FY25
Cash from investing: ₹684cr−9.6% on FY25
Cash from financing: ₹8,720cr+17.8% on FY25
Capital spending: ₹33.1cr−32.6% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Changes in working capital
Adjustments to reconcile profit — non-cash items						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	—	66.5	55.9	51.2	51.4
	—	−199	289	171	691
	—	4,988	4,541	4,254	3,892
	—	1.4	−13.4	−16.1	2.8
	—	21.9	17.7	14.5	12.0
	—	−55.0	89.4	145	−32.2
	—	8.8	6.1	39.0	0.0
	—	3.1	1.3	−38.8	30.0
	—	0.0	0.0	0.0	61.2
	—	−1.8	0.0	0.0	3.0
	—	0.0	11.9	6.5	0.0
	—	−11,590	−10,531	−6,392	−3,082
	—	13.1	−11.8	2.3	−27.8
	—	584	−975	−346	32.1
	—	−3.0	−2.2	−10.5	14.0
	—	−80.4	809	75.5	−518
	—	−68.0	39.8	−33.4	−71.3
	—	14.5	1.7	1.9	−0.3
Cash from operating activities
	3,038	2,971	2,486	1,954	1,361
	—	−6,296	−5,671	−2,077	1,058
	—	−3,326	−3,185	−123	2,419
	—	5,090	4,478	4,181	3,980
	—	568	394	358	304
	—	−8,984	−8,057	−4,662	−1,865
Cash from investing activities
	—	33.1	49.1	39.3	13.0
	—	0.8	0.0	0.0	0.2
	—	0.0	0.0	0.0	−1.9
	—	−717	−806	1,147	0.0
	—	0.0	0.6	0.3	190
	—	684	757	−1,186	176
Cash from financing activities
	—	0.0	0.0	2,468	7.2
	—	28.4	7.0	0.0	0.0
	—	2,325	2,230	1,451	0.0
	—	50,279	50,712	32,485	17,577
	—	43,736	45,508	32,193	17,247
	—	46.3	37.6	33.3	35.9
	—	130	0.0	0.0	0.0
	—	8,720	7,404	4,179	301
	—	421	104	−1,669	−1,388
	—	421	104	−1,669	−1,388
	—	—	—	1,959	3,628
Reference items
	—	−9,017	−8,106	−4,701	−1,878
	—	−128	−813	−3,306	—
	—	−₹346.06	−₹311.13	−₹180.42	−₹72.08
	—	−3.92×	−4.16×	−3.09×	−1.78×
	—	568	394	358	304
	—	5,090	4,478	4,181	3,980

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

PNBHOUSING₹1,110.00

PNB Housing Finance Ltd.

· Banking & Finance

₹ CrorePeersLICHSGFIN CANFINHOME AAVAS PIRAMALFIN POONAWALLA RBLBANK MANAPPURAM APTUSMcap ₹28,921 Cr

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In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	51.4	51.2	55.9	66.5	—
+ Impairment Loss / (Reversal)	691.3	171.1	288.9	-198.8	—
+ Finance Costs	3,892.3	4,253.9	4,541.2	4,988.0	—
+ Fair Value (Gains) / Losses	2.8	-16.1	-13.4	1.4	—
+ Share-based Payments	12.0	14.5	17.7	21.9	—
+ Other Non-cash Items	-32.2	144.9	89.4	-55.0	—
+ Other — Cash Effects are Investing / Financing	0.0	39.0	6.1	8.8	—
Changes in Working Capital
+ Trade Receivables — Current	30.0	-38.8	1.3	3.1	—
+ Trade Receivables — Non-current	61.2	0.0	0.0	0.0	—
+ Other Financial Assets — Current	3.0	0.0	0.0	-1.8	—
+ Other Financial Assets — Non-current	0.0	6.5	11.9	0.0	—
+ Other Current Assets	-3,081.8	-6,392.4	-10,530.5	-11,590.0	—
+ Other Non-current Assets	-27.8	2.3	-11.8	13.1	—
+ Other Bank Balances	32.1	-346.4	-975.0	583.6	—
+ Trade Payables — Current	14.0	-10.5	-2.2	-3.0	—
+ Other Financial Liabilities — Current	-518.4	75.5	808.6	-80.4	—
+ Other Current Liabilities	-71.3	-33.4	39.8	-68.0	—
+ Provisions — Current	-0.3	1.9	1.7	14.5	—
Cash from Operating Activities
Profit Before Tax (per I/S)	1,360.9	1,953.9	2,485.8	2,970.6	3,038.1
+ Total Adjustments (incl. Working Capital)	1,058.3	-2,076.6	-5,670.5	-6,296.3	—
Cash from Operations (pre-tax)	2,419.2	-122.7	-3,184.7	-3,325.6	—
+ Interest Paid — Operating	3,979.9	4,181.1	4,478.2	5,089.8	—
+ Income Taxes Paid	304.3	357.7	394.4	568.1	—
Cash from Operating Activities	-1,865.0	-4,661.5	-8,057.3	-8,983.6	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	13.0	39.3	49.1	33.1	—
+ Disp of Fixed Assets	0.2	0.0	0.0	0.8	—
+ Disp of Intangibles under Development	-1.9	0.0	0.0	0.0	—
+ Acq of Investment Property	0.0	1,147.1	-805.6	-716.6	—
+ Disp of Investment Property	190.5	0.3	0.6	0.0	—
Cash from Investing Activities	175.8	-1,186.1	757.1	684.3	—
Cash from Financing Activities
+ Proceeds from Issue of Shares	7.2	2,468.4	0.0	0.0	—
+ Proceeds from Other Equity Instruments	0.0	0.0	7.0	28.4	—
+ Proceeds from Debentures / Notes / Bonds	0.0	1,451.0	2,230.0	2,325.0	—
+ Proceeds from Borrowings	17,577.0	32,485.2	50,712.2	50,278.9	—
+ Repayment of Borrowings	17,246.8	32,192.7	45,507.8	43,736.0	—
+ Payment of Lease Liabilities	35.9	33.3	37.6	46.3	—
+ Dividends Paid	0.0	0.0	0.0	130.2	—
Cash from Financing Activities	301.5	4,178.6	7,403.9	8,719.8	—
Net Changes in Cash (pre-FX)	-1,387.8	-1,669.0	103.6	420.6	—
Net Changes in Cash	-1,387.8	-1,669.0	103.6	420.6	—
Closing Cash	3,627.8	1,958.9	—	—	—
Reference Items
Free Cash Flow (CFO − Capex)	-1,878.0	-4,700.8	-8,106.4	-9,016.6	—
Free Cash Flow to Equity	—	-3,305.6	-813.4	-127.6	—
Free Cash Flow per Basic Share	-72.08	-180.42	-311.13	-346.06	—
Cash Flow to Net Income	-1.78	-3.09	-4.16	-3.92	—
Cash Paid for Taxes	304.3	357.7	394.4	568.1	—
Cash Paid for Interest	3,979.9	4,181.1	4,478.2	5,089.8	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.