PNBHOUSING2020-07-012020-09-30in-bse-fin:OneOperatingExpenses01Member PNBHOUSING2020-07-012020-09-30in-bse-fin:FourOperatingExpenses01Member PNBHOUSING2020-07-012020-09-30in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member PNBHOUSING2020-07-012020-09-30in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member PNBHOUSING2020-07-012020-09-30in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member PNBHOUSING2020-07-012020-09-30in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares PNBHOUSING 2020-04-01 2021-03-31 2020-10-16 INR Crores Half yearly Single segment PNB Housing provides housing loans to individuals and corporate bodies for purchase, construction, repair and upgradation of houses. It also provides loans for commercial space, loan against property and loan for purchase of residential plots. 2020-07-01 2020-09-30 Unaudited Consolidated 19603100000.00 0.00 0.00 246200000.00 305800000.00 0.00 0.00 0.00 20155100000.00 59900000.00 20215000000.00 0.00 0.00 0.00 550200000.00 13396700000.00 146300000.00 11400000.00 0.00 0.00 1795500000.00 359200000.00 16259300000.00 3955700000.00 0.00 3955700000.00 1058100000.00 -235300000.00 822800000.00 3132900000.00 0.00 0.00 0.00 0.00 3132900000.00 195000000.00 0.00 0.00 0.00 0.00 1681900000.00 10 18.63 18.63 0.00 0.00 18.63 18.63 1.The consolidated financial results have been prepared in accordance with lnd AS 110 - Consolidated Financial Statements, prescribed under section 133 of the Companies Act, 2013 (the Act) read with the relevant rules issued thereunder and the other relevant provisions of the Act n2. The above financial results of the Company have been prepared in accordance with Indian Accounting Standards ('lnd AS') notified under the Companies (Indian Accounting Standards) Rules, 2015 as amended from time to time and other accounting principles generally accepted in India The financial results together with the results for the comparative reporting period have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard 34 Interim Financial Reporting (lnd AS 34), prescribed under Section 133 of the the Companies Act, 2013, and other recognized accounting practices generally accepted in India and in compliance with Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (the Listing Regulations) n3. Assets under management (AUM) have decreased from INR 89,471 crore as on September 30, 2019 to INR 81,221 crore as on September 30, 2020 registering a decline of 9%. Loan Assets have decreased from INR 74,353 crore as on September 30, 2019 to INR 66,951 crore as on September 30, 2020 registering a decline of 10%. n4. Gross NPA as on September 30, 2020 is 2.59% as against 0.84% as on September 30, 2019. Net NPA of the Company is 1.46% of the loan assets as on September 30, 2020, against 0.65% of the loan assets as on September 30, 2019. n5. The Company is principally engaged in the business of providing loans for purchase or construction of residential houses. All other activities of the Company revolve around the main business and accordingly, there are no separate reportable segments, as per the lnd AS 108 Operating Segment specified under section 133 of the Companies Act, 2013. n6. Reserve Bank of India (RBI) has issued guidelines relating to COVID 19 Regulatory Package dated March 27, 2020, Apr 17, 2020 and May 23, 2020 In accordance with the RBI guidelines, the Company has offered a moratorium on the payment of instalments falling due between March 01, 2020 and August 31, 2020 to all eligible borrowers classified as standard nThe extent to which the COVID 19 pandemic will impact the Company's future results will depend on economic situation, which are highly unpredictable, including among other thing, any new information concerning the severity of the COVID-19 pandemic and any action to contain its spread or mitigate its irnpact whether government mandated or elected by the Company. The Company will continue to closely monitor any material changes to future economic conditions. However, operating in the secured mortgage asset business we believe we hold a much stable asset class which can withstand the pandemic relatively better compared other asset classes n7. During the quarter ended September 30, 2020, there were no transactions in the nature of exceptional or extraordinary items. Single segment 2020-04-01 2020-09-30 Unaudited Consolidated 37618300000.00 0.00 0.00 433700000.00 803700000.00 0.00 0.00 0.00 38855700000.00 82600000.00 38938300000.00 0.00 0.00 0.00 1160200000.00 27032000000.00 306200000.00 20200000.00 0.00 0.00 2546400000.00 622800000.00 31687800000.00 7250500000.00 0.00 7250500000.00 2082200000.00 -536400000.00 1545800000.00 5704700000.00 0.00 0.00 0.00 0.00 5704700000.00 -665000000.00 0.00 0.00 0.00 0.00 1681900000.00 10 33.92 33.92 0.00 0.00 33.92 33.92 Other Expenses 359200000.00 Other Expenses 622800000.00 0.00 11700000.00 0.00 658688300000.00 20801900000.00 8393800000.00 762619000000.00 135500000.00 3326900000.00 8229000000.00 915200000.00 0.00 973100000.00 0.00 0.00 143388300000.00 336472600000.00 159793300000.00 14385800000.00 22295900000.00 678224200000.00 277900000.00 7255600000.00 7533500000.00 195000000.00 -665000000.00