PNBHOUSING2020-10-012020-12-31in-bse-fin:OneOperatingExpenses01Member PNBHOUSING2020-10-012020-12-31in-bse-fin:FourOperatingExpenses01Member PNBHOUSING2020-10-012020-12-31in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member PNBHOUSING2020-10-012020-12-31in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member PNBHOUSING2020-10-012020-12-31in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member PNBHOUSING2020-10-012020-12-31in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares PNBHOUSING 2020-04-01 2021-03-31 2021-01-14 INR Crores Third quarter false 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. 2020-10-01 2020-12-31 Unaudited Consolidated 17578600000.00 0.00 0.00 508000000.00 428200000.00 351900000.00 0.00 0.00 18866700000.00 96800000.00 18963500000.00 0.00 0.00 0.00 426800000.00 12462200000.00 140400000.00 11700000.00 0.00 0.00 2566600000.00 417400000.00 16025100000.00 2938400000.00 0.00 2938400000.00 1095300000.00 -480900000.00 614400000.00 2324000000.00 0.00 0.00 0.00 0.00 2324000000.00 62200000.00 2386200000.00 0.00 0.00 0.00 0.00 1681900000.00 10 13.82 13.82 0.00 0.00 13.82 13.82 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 thA Act. n n2. The above financial results of the Company have been prepared in accordance with Indian Accounting Standards (Ind 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 comparitive reporting period have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard 34 Interim Financial Reporting (Ind AS 34) , prescribed under Section 133 of the the Companies Act, 2013, and other recognised 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). n n3. Assets under management (AUM) have decreased from INR 86,297 crore as on December 31, 2019 to INR77,770 crore as on December 31 , 2020 registering a decline of 10%. Loan Assets have decreased from INR 69,194 crore as on December 31, 2019 to INR 64,584 crore as on December 31, 2020 registering a decline of 7%. n n4. Gross NPA to the loan assets as on December 31, 2020 is 2.64% as against 1.75% as on December 31, 2019. Net NPA to the loan assets as on December 31, 2020 is 1.41 % as against 1.25% as on December 31, 2019. n 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. n n6. The 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 impact 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. nHon'ble Supreme Court, in a public interest litigation vide an interim order dated September 03, 2020 ('interim order'), has directed that accounts which were not declared NPA till August 31, 2020 shall not be declared as NPA till further orders. Basis the said interim order, even accounts that would have otherwise been classified as NPA post August 31, 2020 have not been and will not be, classified as NPA till such time the Hon'ble Supreme Court decides on the matter. However, as a matter of prudence, higher provision has been considered for such accounts. n n7. During the quarter ended December 31, 2020, the Company has allotted 5,500 equity shares of 'INR10 each pursuant to exercise of stock options by employees. n n8. During the quarter ended December 31, 2020, there were no transactions in the nature of exceptional items. Single segment 2020-04-01 2020-12-31 Unaudited Consolidated 55196900000.00 0.00 0.00 941700000.00 1231900000.00 351900000.00 0.00 0.00 57722400000.00 179400000.00 57901800000.00 0.00 0.00 0.00 1587000000.00 39494200000.00 446600000.00 31900000.00 0.00 0.00 5113000000.00 1040200000.00 47712900000.00 10188900000.00 0.00 10188900000.00 3177500000.00 -1017300000.00 2160200000.00 8028700000.00 0.00 0.00 0.00 0.00 8028700000.00 -602800000.00 7425900000.00 0.00 0.00 0.00 0.00 1681900000.00 10 47.74 47.74 0.00 0.00 47.74 47.74 Other Expenses 417400000.00 Other Expenses 1040200000.00 0.00 0.00 0.00 0.00 62200000.00 -602800000.00