{"id":5291,"date":"2026-10-08T08:18:43","date_gmt":"2026-10-08T02:48:43","guid":{"rendered":"https:\/\/www.wittytrades.com\/market-news\/pnbhousing-share-price-today-2026-10-08\/"},"modified":"2026-10-08T08:18:46","modified_gmt":"2026-10-08T02:48:46","slug":"pnbhousing-share-price-today-2026-10-08","status":"publish","type":"post","link":"https:\/\/www.wittytrades.com\/market-news\/pnbhousing-share-price-today-2026-10-08\/","title":{"rendered":"PNB Housing Finance in Focus After CRISIL AAA Rating Upgrade | 8 October 2026"},"content":{"rendered":"<style id=\"wt-article-style-v4\">:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) { color:#30475c; font-size:16px; line-height:1.65; min-width:0; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) *, :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) *::before, :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) *::after { box-sizing:border-box; }\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-copy { font-size:16px !important; 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gap:10px; }\n}\n@media (max-width:650px) {\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid { grid-template-columns:1fr; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-metrics { grid-template-columns:repeat(2,minmax(0,1fr)); }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-card { padding:14px; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-row { grid-template-columns:repeat(2,minmax(0,1fr)); gap:10px 14px; padding:12px 0; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-person, :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-insider-row > div:last-child { grid-column:1 \/ -1; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta { padding:17px 15px; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-cta-title { font-size:18px; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip > div { padding:9px !important; }\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-funds .wt-card-title, :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-grid-funds .wt-card-body { font-size:15px; }\n}\n@media (max-width:420px) {\n :is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip { grid-template-columns:repeat(2,minmax(0,1fr)); }\n}<\/p>\n<p>:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip > div {border:1px solid #dde6ee;border-radius:8px;background:#f9fbfd;}\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) .wt-price-strip > div > div:last-child {font-weight:800;color:#17324d;}\n:is(.wt-article-v4,.single-post .entry-content .wt-article-v4) h2 {font-size:24px !important;line-height:1.35 !important;margin:28px 0 14px !important;color:#173b58;}\n<\/style>\n<div class=\"wt-article-v4\" data-witty-phase=\"premarket\" data-article-version=\"4\">\n<p class=\"wt-market-date\"><strong>NSE: PNBHOUSING<\/strong> \u00b7 8 October 2026 \u00b7 Pre-market update<\/p>\n<div class=\"wt-price-strip\">\n<div>\n<div>Previous close<\/div>\n<div>\u20b91,102.10<\/div>\n<\/div>\n<div>\n<div>Previous day change<\/div>\n<div>-0.33%<\/div>\n<\/div>\n<div>\n<div>High \/ Low<\/div>\n<div>\u20b91,112.20 \/ \u20b91,087.80<\/div>\n<\/div>\n<div>\n<div>Volume<\/div>\n<div>5.14 lakh<\/div>\n<\/div>\n<div>\n<div>Previous trading day<\/div>\n<div>6 October 2026<\/div>\n<\/div>\n<\/div>\n<div class=\"wt-takeaways\">\n<div class=\"wt-card\" data-card=\"research\" style=\"background:#f4f8fd;border:1px solid #cbd8ea;border-left:4px solid #466fa5;border-radius:10px\">\n<div class=\"wt-card-title\">Key Takeaways<\/div>\n<div class=\"wt-card-body\">\n<ul class=\"wt-list\">\n<li>PNB Housing Finance has received a long-term credit rating upgrade to &#x27;CRISIL AAA\/Stable&#x27; from &#x27;CRISIL AA+\/Stable&#x27;, achieving AAA ratings across all four leading domestic rating agencies. This milestone reflects strengthening financial fundamentals, improved asset quality, and strong parent support from Punjab National Bank.<\/li>\n<li>CRISIL Ratings upgraded PNB Housing Finance&#x27;s long-term bank facilities and debt instruments to &#x27;CRISIL AAA\/Stable&#x27; from &#x27;CRISIL AA+\/Stable&#x27; while reaffirming the short-term rating at &#x27;CRISIL A1+&#x27;. The upgrade incorporates analytical support from its largest shareholder and sole promoter, Punjab National Bank, alongside a stable earnings profile and strong capitalisation.<\/li>\n<li>Trading volume was 0.58 times the 20-day average daily volume.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<h2>Pnb Housing Fin Company News Before Market Open<\/h2>\n<div class=\"wt-prose\">\n<p class=\"wt-copy\">PNB Housing Finance has received a long-term credit rating upgrade to &#x27;CRISIL AAA\/Stable&#x27; from &#x27;CRISIL AA+\/Stable&#x27;, achieving AAA ratings across all four leading domestic rating agencies. This milestone reflects strengthening financial fundamentals, improved asset quality, and strong parent support from Punjab National Bank.<\/p>\n<p class=\"wt-copy\">Attaining AAA ratings across all four major credit rating agencies validates the company&#x27;s improved financial and operating fundamentals. Support from promoter Punjab National Bank enhances institutional stability and lowers borrowing costs across debt instruments. A stronger credit profile aids retail deposit mobilization and supports competitive pricing in the housing finance segment.<\/p>\n<p class=\"wt-copy\">5.14 lakh shares traded on 6 October 2026. This compares with a 20-day average daily volume of 8.88 lakh shares (0.58 times). The five-day average daily volume was 7.60 lakh shares.<\/p>\n<\/div>\n<div class=\"wt-likely-reason\">\n<div class=\"wt-card\" data-card=\"research\" style=\"background:#f4f8fd;border:1px solid #cbd8ea;border-left:4px solid #466fa5;border-radius:10px\">\n<div class=\"wt-card-title\">Company-specific context<\/div>\n<div class=\"wt-card-body\"><strong>CRISIL Upgrades Long-Term Rating to AAA<\/strong><\/p>\n<p class=\"wt-copy\">Attaining AAA ratings across all four major credit rating agencies validates the company&#x27;s improved financial and operating fundamentals. Support from promoter Punjab National Bank enhances institutional stability and lowers borrowing costs across debt instruments. A stronger credit profile aids retail deposit mobilization and supports competitive pricing in the housing finance segment.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<aside class=\"wt-cta wt-cta-yellow\">\n<div class=\"wt-cta-title\">Research the Market \u2014 Not Just the Headline<\/div>\n<p class=\"wt-cta-copy\">Explore WittyTrades research across market segments.<\/p>\n<p><a class=\"wt-cta-button\" href=\"https:\/\/www.wittytrades.com\/Segments.html\">Explore WittyTrades Research \u2192<\/a><\/aside>\n<h2>Latest Company Developments<\/h2>\n<div class=\"wt-grid wt-grid-news\">\n<div class=\"wt-card\" data-card=\"news\" style=\"background:#fff;border:1px solid #dce5eb;border-left:4px solid #2e7db2;border-radius:10px\">\n<div class=\"wt-card-title\">CRISIL Upgrades Long-Term Rating to AAA with Stable Outlook<\/div>\n<div class=\"wt-card-date\">6 October 2026<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">CRISIL Ratings upgraded PNB Housing Finance&#x27;s long-term bank facilities and debt instruments to &#x27;CRISIL AAA\/Stable&#x27; from &#x27;CRISIL AA+\/Stable&#x27; while reaffirming the short-term rating at &#x27;CRISIL A1+&#x27;. The upgrade incorporates analytical support from its largest shareholder and sole promoter, Punjab National Bank, alongside a stable earnings profile and strong capitalisation.<\/p>\n<p class=\"wt-copy\">A AAA rating lowers borrowing costs, enhances investor confidence, and broadens access to diversified funding sources at competitive rates.<\/p>\n<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"news\" style=\"background:#fff;border:1px solid #dce5eb;border-left:4px solid #2e7db2;border-radius:10px\">\n<div class=\"wt-card-title\">Achieves Full Suite of AAA Ratings Across All Four Major Agencies<\/div>\n<div class=\"wt-card-date\">7 October 2026<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">PNB Housing Finance announced that the latest CRISIL upgrade completes a full suite of AAA ratings from all four leading domestic credit rating agencies\u2014CRISIL, India Ratings, CARE Ratings, and ICRA\u2014within a span of 12 months.<\/p>\n<p class=\"wt-copy\">Holding top-tier ratings across all major agencies validates the company&#x27;s retail-focused mortgage strategy and robust financial health.<\/p>\n<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"news\" style=\"background:#fff;border:1px solid #dce5eb;border-left:4px solid #2e7db2;border-radius:10px\">\n<div class=\"wt-card-title\">Press Release<\/div>\n<div class=\"wt-card-date\">7 October 2026<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">a press release titled &quot;PNB Housing Finance Receives Credit Rating Upgrade to AAA from CRISIL; Marking a Full Suite of Rating Upgrades Across All Four Agencies&quot;.<\/p>\n<p><a class=\"wt-source\" href=\"https:\/\/nsearchives.nseindia.com\/corporate\/PNBHOUSING_07102026160629_SE-intimation-Press_Release_7_Oct_26_sd.pdf\" rel=\"noopener\">Original source \u2192<\/a><\/div>\n<\/div>\n<\/div>\n<h2>Ownership &amp; Transaction Activity<\/h2>\n<div class=\"wt-grid wt-grid-ownership\">\n<div class=\"wt-card\" data-card=\"ownership\" style=\"background:#fff8e8;border:1px solid #ecd39e;border-left:4px solid #cc922c;border-radius:10px\">\n<div class=\"wt-card-title\">Shareholding<\/div>\n<div class=\"wt-card-date\">As of 30 June 2026<\/div>\n<div class=\"wt-card-body\">\n<div class=\"wt-grid wt-grid-metrics\">\n<div class=\"wt-metric\">\n<div class=\"wt-label\">Promoter holding<\/div>\n<div class=\"wt-value\">28.03%<\/div>\n<div class=\"wt-note\">28.04% on 31 March 2026<\/div>\n<\/div>\n<div class=\"wt-metric\">\n<div class=\"wt-label\">FII\/FPI<\/div>\n<div class=\"wt-value\">16.81%<\/div>\n<div class=\"wt-note\">16.60% on 31 March 2026<\/div>\n<\/div>\n<div class=\"wt-metric\">\n<div class=\"wt-label\">Institutional holding<\/div>\n<div class=\"wt-value\">62.52%<\/div>\n<div class=\"wt-note\">60.67% on 31 March 2026<\/div>\n<\/div>\n<\/div>\n<p><a class=\"wt-source\" href=\"https:\/\/nsearchives.nseindia.com\/corporate\/xbrl\/SHP_1697182_20072026055035_WEB.xml\" rel=\"noopener\">NSE shareholding filing \u2192<\/a><\/div>\n<\/div>\n<\/div>\n<h2>Mutual Fund Holdings<\/h2>\n<div class=\"wt-card\" data-card=\"funds\" style=\"background:#f7f9fc;border:1px solid #d5e0ea;border-left:4px solid #6a849c;border-radius:10px\">\n<div class=\"wt-card-title\">Mutual-fund ownership<\/div>\n<div class=\"wt-card-body\">\n<p class=\"wt-copy\">Mutual funds held 33.62% on 30 June 2026. This compares with 31.11% on 31 March 2026, a change of +2.51 percentage points.<\/p>\n<p class=\"wt-copy\">The filing reported 42 MF\/UTI holders.<\/p>\n<div class=\"wt-grid wt-grid-funds\">\n<div class=\"wt-card\" data-card=\"funds\" style=\"background:#f7f9fc;border:1px solid #d5e0ea;border-left:4px solid #6a849c;border-radius:10px\">\n<div class=\"wt-card-title\">Aditya Birla Sun Life Trustee Private Limited A\/C &#8211; Aditya Birla Sun Life Large Cap Fund<\/div>\n<div class=\"wt-card-date\">30 June 2026<\/div>\n<div class=\"wt-card-body\">90.48 lakh shares \u00b7 3.47%<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"funds\" style=\"background:#f7f9fc;border:1px solid #d5e0ea;border-left:4px solid #6a849c;border-radius:10px\">\n<div class=\"wt-card-title\">Hsbc Mutual Fund &#8211; Hsbc Value Fund<\/div>\n<div class=\"wt-card-date\">30 June 2026<\/div>\n<div class=\"wt-card-body\">87.34 lakh shares \u00b7 3.35%<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"funds\" style=\"background:#f7f9fc;border:1px solid #d5e0ea;border-left:4px solid #6a849c;border-radius:10px\">\n<div class=\"wt-card-title\">Icici Prudential Focus Equity Fund<\/div>\n<div class=\"wt-card-date\">30 June 2026<\/div>\n<div class=\"wt-card-body\">74.19 lakh shares \u00b7 2.85%<\/div>\n<\/div>\n<\/div>\n<div class=\"wt-note wt-source-note\">These are quarterly holdings, rather than purchases or sales on the article date.<\/div>\n<p><a class=\"wt-source\" href=\"https:\/\/nsearchives.nseindia.com\/corporate\/xbrl\/SHP_1697182_20072026055035_WEB.xml\" rel=\"noopener\">NSE shareholding filing \u2192<\/a><\/div>\n<\/div>\n<h2>Historical Bulk \/ Block Deals<\/h2>\n<div class=\"wt-grid wt-grid-cards\">\n<div class=\"wt-card\" data-card=\"deals\" style=\"background:#fff8f2;border:1px solid #ead4c0;border-left:4px solid #b17640;border-radius:10px\">\n<div class=\"wt-card-title\">GRAVITON RESEARCH CAPITAL LLP<\/div>\n<div class=\"wt-card-date\">21 April 2026<\/div>\n<div class=\"wt-card-body\">Buy \u00b7 13.25 lakh shares \u00b7 \u20b9981.39<\/p>\n<div class=\"wt-note wt-source-note\">NSE-reported large-deal disclosure<\/div>\n<\/div>\n<\/div>\n<div class=\"wt-card\" data-card=\"deals\" style=\"background:#fff8f2;border:1px solid #ead4c0;border-left:4px solid #b17640;border-radius:10px\">\n<div class=\"wt-card-title\">GRAVITON RESEARCH CAPITAL LLP<\/div>\n<div class=\"wt-card-date\">21 April 2026<\/div>\n<div class=\"wt-card-body\">Sell \u00b7 13.25 lakh shares \u00b7 \u20b9981.83<\/p>\n<div class=\"wt-note wt-source-note\">NSE-reported large-deal disclosure<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2>What to Watch Next<\/h2>\n<ul class=\"wt-list\">\n<li>Market reaction and trading volumes following the announcement of the complete AAA rating suite.<\/li>\n<li>Management commentary regarding funding cost optimizations and retail loan portfolio expansion.<\/li>\n<li>Prior session technical levels, with the previous close at 1102.10 and trading range between 1087.80 and 1112.20.<\/li>\n<\/ul>\n<h2>Other Dated Coverage<\/h2>\n<ul class=\"wt-list\">\n<li><a href=\"https:\/\/www.wittytrades.com\/market-news\/pnbhousing-share-price-today-2026-10-07\/\">Pnb Housing Fin Share Price Today: Why PNBHOUSING Is Rising 2.62% | 7 October 2026 \u2014 7 October 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.wittytrades.com\/market-news\/pnbhousing-share-price-today-2026-10-01\/\">Why PNB Housing Shares Fell 2.50% Today: Market Context | 1 October 2026 \u2014 1 October 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.wittytrades.com\/market-news\/pnbhousing-share-price-today-2026-09-30\/\">Why PNB Housing Finance Shares Are Rising 1.99% Today | 30 September 2026 \u2014 30 September 2026<\/a><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.wittytrades.com\/market-news\/tag\/pnbhousing\/\">More Pnb Housing Fin news and dated analysis \u2192<\/a><\/p>\n<aside class=\"wt-cta wt-cta-dark\">\n<div class=\"wt-cta-title\">Looking for Research-Backed Market Opportunities?<\/div>\n<p class=\"wt-cta-copy\">Explore WittyTrades research across market segments.<\/p>\n<p><a class=\"wt-cta-button\" href=\"https:\/\/www.wittytrades.com\/Segments.html\">Explore WittyTrades Research \u2192<\/a><\/aside>\n<h2>Frequently Asked Questions<\/h2>\n<div class=\"wt-faq\">\n<h3>What is the latest Pnb Housing Fin company news?<\/h3>\n<p class=\"wt-copy\">CRISIL Ratings upgraded PNB Housing Finance&#x27;s long-term bank facilities and debt instruments to &#x27;CRISIL AAA\/Stable&#x27; from &#x27;CRISIL AA+\/Stable&#x27; while reaffirming the short-term rating at &#x27;CRISIL A1+&#x27;. The upgrade incorporates analytical support from its largest shareholder and sole promoter, Punjab National Bank, alongside a stable earnings profile and strong capitalisation.<\/p>\n<h3>How strong was Pnb Housing Fin\u2019s trading volume?<\/h3>\n<p class=\"wt-copy\">5.14 lakh shares traded, 0.58 times the 20-day average daily volume. The price and volume data are dated 6 October 2026.<\/p>\n<h3>Do the mutual-fund figures show buying today?<\/h3>\n<p class=\"wt-copy\">They show holdings on 30 June 2026. Quarterly holdings do not identify purchases made on the article date.<\/p>\n<\/div>\n<p><strong>Research &amp; analysis:<\/strong> <a href=\"https:\/\/www.wittytrades.com\/About_Us.html\">WittyTrades Research Desk<\/a><br \/><strong>Reviewed by:<\/strong> <a href=\"https:\/\/www.wittytrades.com\/About_Us.html\">Mohanish Sanghavi \u2014 SEBI Registered Research Analyst<\/a><\/p>\n<p>Disclaimer: Investments in securities markets are subject to market risks. Registration with SEBI and NISM certification do not guarantee performance or returns. This article is for information and education, not personalised investment advice or a recommendation to buy, sell or hold.<\/p>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"NewsArticle\", \"@id\": \"https:\/\/www.wittytrades.com\/market-news\/pnbhousing-share-price-today-2026-10-08\/#article\", \"mainEntityOfPage\": {\"@type\": \"WebPage\", \"@id\": \"https:\/\/www.wittytrades.com\/market-news\/pnbhousing-share-price-today-2026-10-08\/\"}, \"headline\": \"PNB Housing Finance in Focus After CRISIL AAA Rating Upgrade | 8 October 2026\", \"description\": \"PNB Housing Finance receives a long-term rating upgrade to CRISIL AAA\/Stable, securing top ratings across all four agencies. Watch stock action at the open.\", \"datePublished\": \"2026-10-08T08:18:31.209539+05:30\", \"dateModified\": \"2026-10-08T08:18:31.209539+05:30\", \"author\": {\"@type\": \"Organization\", \"name\": \"WittyTrades Research Desk\", \"url\": \"https:\/\/www.wittytrades.com\/About_Us.html\"}, \"reviewedBy\": {\"@type\": \"Person\", \"name\": \"Mohanish Sanghavi\", \"jobTitle\": \"SEBI Registered Research Analyst\", \"url\": \"https:\/\/www.wittytrades.com\/About_Us.html\"}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"WittyTrades\", \"url\": \"https:\/\/www.wittytrades.com\/\"}, \"inLanguage\": \"en-IN\", \"image\": [\"https:\/\/www.wittytrades.com\/market-news\/wp-content\/uploads\/2026\/10\/pnbhousing-company-news-2026-10-08.jpg\"]}<\/script><!-- wt-article-record:{\"news_events\":[{\"title\":\"Press Release\",\"summary\":\"a press release titled \\\"PNB Housing Finance Receives Credit Rating Upgrade to  AAA  from CRISIL; Marking a Full Suite of Rating Upgrades Across All Four Agencies\\\".\",\"source\":\"NSE\",\"published\":\"07-Oct-2026 16:10:09\",\"source_type\":\"official filing\",\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/PNBHOUSING_07102026160629_SE-intimation-Press_Release_7_Oct_26_sd.pdf\",\"disclosure_text\":\"Regd. Office: 9th Floor, Antriksh Bhawan, 22 K G Marg, New Delhi \u2013 110 001 Phone: 011-66030500, E-mail: investor.services@pnbhousing.com, Website: www.pnbhousing.com CIN: L65922DL1988PLC033856 Ref: PNBHFL\/SE\/EQ\/FY2026-27\/83 October 07, 2026 The BSE Limited Listing Department, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai \u2013 400001 Scrip Code: 540173 The National Stock Exchange of India Limited Listing Department \u201cExchange Plaza\u201d Bandra Kurla Complex, Bandra (E), Mumbai \u2013 400051 Symbol: PNBHOUSING Sub: Press Release on Credit Rating Upgrade to \u2018AAA\u2019 from CRISIL. Ref: Our letter PNBHFL\/SE\/EQ\/FY2026-27\/82 dated October 06, 2026 Pursuant to Regulation 30 read with Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Press Release titled \u201cPNB Housing Finance Receives Credit Rating Upgrade to \u2018AAA\u2019 from CRISIL; Marking a Full Suite of Rating Upgrades Across All Four Agencies.\u201d The above intimation shall also be made available on the website of the Company at https:\/\/www.pnbhousing.com\/ This is for your information and records. Thanking You, Yours faithfully, For PNB Housing Finance Limited Veena G Kamath Company Secretary Encl: As above. Internal PNB Housing Finance Receives Credit Rating Upgrade to \u2018AAA\u2019 from CRISIL; Marking a Full Suite of Rating Upgrades Across All Four Agencies \u2022 Reaches a new milestone with AAA ratings from CRISIL, India Ratings, CARE Ratings and ICRA in a span of 12 months October 07, 2026: PNB Housing Finance, one of India\u2019s leading housing finance companies, today announced that CRISIL Ratings has upgraded its long -term rating to \u2018CRISIL AAA\/Stable\u2019 from \u2018CRISIL AA+\/Stable\u2019. With this upgrade, PNB Housing Finance now holds AAA ratings from all four leading domestic credit rating agencies \u2013 CRISIL, India Ratings, CARE Ratings and ICRA \u2013 across relevant long-term instruments and facilities. The successive rating upgrades underscore the sustained strengthening of the Company\u2019s financial and operating fundamentals, including improving asset quality, strong capitalisation, enhanced profitability, a granular retail-focused mortgage portfolio, and a diversified funding profile. It also represents an independent validation of PNB Housing Finance\u2019s efforts to build a resilient retail franchise. The latest CRISIL rating upgrade also reflects the strong parentage, strategic relevance in the retail lending ecosystem, and continued support from the Company\u2019s promoters, Punjab National Bank . These factors enhance investor confidence, support access to diversified funding sources at competitive rates, and reinforce the company's overall financial resilience. Mr. Ajai Shukla, MD & CEO, PNB Housing Finance , commented on the development , \u201cThe upgrade to CRISIL AAA\/Stable, following the AAA ratings accorded by India Ratings, CARE Ratings and ICRA within a span of 12 months , is a strong validation of the progress we have made in strengthening the fundamentals of our business. This will further enhance customer trust and investor confidence in our long-term financial strength, governance standards and growth strategy. Housing is a powerful catalyst for economic growth and social progress, and we remain committed t o playing our part in advancing financial inclusion, supporting homeownership and contributing to India's journey towards a developed nation.\u201d The Company\u2019s rating upgrade journey over the past year includes: \u2022 India Ratings in November 2025: India Ratings upgraded PNB Housing Finance to \u2018IND AAA\/Stable\u2019, citing sustained improvement in profitability and asset quality, increasing granularity of the retail loan book, adequate liquidity buffers and expected support from the promoter. \u2022 CARE Ratings in May 2026: CARE Ratings upgraded the Company to \u2018CARE AAA\/Stable\u2019, reflecting its strong market position, robust capitalisation, improving asset quality and strong operational and brand linkages with Punjab National Bank. \u2022 ICRA rating upgrade in August 2026: ICRA upgraded PNB Housing Finance to \u2018ICRA AAA (Stable)\u2019, driven by sustained improvement in asset quality, a shift towards a more granular retail -focused mortgage franchise, comfortable capitalisation, diversified funding and continued strategic and financial support from the promoter. Internal About PNB Housing Finance Limited PNB Housing Finance Limited (NSE: PNBHOUSING, BSE: 540173) is promoted by Punjab National Bank and is a registered Housing Finance Company with National Housing Bank (NHB). The Company got listed on the Indian stock exchanges on November 7, 2016. The Company's asset base comprises primarily of retail loans and corporate loans. The retail business focuses on the organized mass housing segment, financing acquisition or construction of houses. In addition, it also provides loans against property and loans for the purchase and construction of non -residential premises. PNB Housing Finance is a deposit taking Housing Finance Company. Media Contact: Mr. Bhavya Taneja Chief Marketing Officer Phone: +91 124 6030500, +91 89296 08392 Email: bhavya.taneja@pnbhousing.com\"},{\"title\":\"Credit Rating\",\"summary\":\"Credit Rating\",\"source\":\"NSE\",\"published\":\"06-Oct-2026 20:47:40\",\"source_type\":\"official filing\",\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/PNBHOUSING_06102026204600_SE_Intimation_CRISIL_Rating_6_Oct_26.pdf\",\"disclosure_text\":\"Regd. Office: 9th Floor, Antriksh Bhawan, 22 K G Marg, New Delhi \u2013 110 001 Phone: 011-66030500, E-mail: investor.services@pnbhousing.com, Website: www.pnbhousing.com CIN: L65922DL1988PLC033856 Ref: PNBHFL\/SE\/EQ\/FY2026-27\/82 October 06, 2026 The BSE Limited Listing Department, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai \u2013 400001 Scrip Code: 540173 The National Stock Exchange of India Limited Listing Department \u201cExchange Plaza\u201d Bandra Kurla Complex, Bandra (E), Mumbai \u2013 400051 Symbol: PNBHOUSING Dear Sir\/Madam, Sub: Intimation of Credit Rating upgradation to \u2018Crisil AAA\/Stable\u2019 by Crisil Ratings. This is to inform that Crisil Ratings (\u201cCRISIL\u201d) has upgraded ratings on the long-term bank facilities and debt instruments from \u2018Crisil AA+\/Stable\u2019 to \u2018Crisil AAA\/Stable\u2019 and has reaffirmed its rating \u2018Crisil A1+\u2019 on the short -term bank facility and debt instruments. The details of the ratings are as under: Total Bank Loan Facilities Rated Rs.9000 Crore Long Term Rating Crisil AAA\/Stable (Upgraded from 'Crisil AA+ \/ Stable') Short Term Rating Crisil A1+ (Reaffirmed) Rs. 3,410 Crore Non- Convertible Debentures Crisil AAA\/Stable (Upgraded from 'Crisil AA+ \/ Stable') Rs. 20,000 Crore Fixed Deposits Crisil AAA\/Stable (Upgraded from 'Crisil AA+ \/ Stable') Rs.500 Crore Short Term Non- Convertible Debenture Crisil A1+ (Reaffirmed) Rs. 26,000 Crore Commercial Paper Crisil A1+ (Reaffirmed) Lower Tier II Bonds Aggregating Rs. 500 Crore Crisil AAA\/Stable (Upgraded from 'Crisil AA+ \/ Stable') Non-Convertible Debentures Aggregating Rs.1,040 Crore (Reduced from Rs.1,540 crore) Crisil AAA\/Stable (Upgraded from 'Crisil AA+ \/ Stable') Note: Refer to Annexure-2 for Details of Instruments. Detailed Rationale for the Rating Action Crisil Ratings has upgraded its rating on the long -term bank facilities and debt instruments of PNB Housing Finance Limited (PNB Housing) to \u2018 Crisil AAA\/Stable \u2019 from \u2018Crisil AA+\/Stable\u2019 and has reaffirmed its \u2018Crisil A1+\u2019 rating on the short-term bank facility and debt instruments. Crisil Ratings has also withdrawn its rating on non -convertible debentures of Rs 500 crore on receipt of independent confirmation that the instrument has been redeemed. The withdrawal is in line with the Crisil Ratings policy on withdrawal of ratings. The rating upgrade reflects change in analytical approach to factor in support from the largest shareholder, Punjab National Bank (PNB , rated \u2018Crisil AAA\/ Crisil AA+\/Stable\/Crisil A1+\u2019) . This is based on stated intent of PNB, sole promoter of PNB Housing, to provide unconditional need -based Regd. Office: 9th Floor, Antriksh Bhawan, 22 K G Marg, New Delhi \u2013 110 001 Phone: 011-66030500, E-mail: investor.services@pnbhousing.com, Website: www.pnbhousing.com CIN: L65922DL1988PLC033856 timely funding support in case of exigency. It also reflects the strategic importance of the company within PNB\u2019s retail lending ecosystem and shared branding with PNB. The latter aids the company in raising funds (including deposits) at competitive rates. Further, it also creates a strong moral obligation for PNB to support PNB Housing both on an ongoing basis and in case of exigency, if any. PNB is also expected to remain the single largest shareholder and not dilute its stake in PNB Housing over the medium term. The overall rating also factors in PNB Housing\u2019s established market position in the housing finance space, its strong capitalisation profile and comfortable earnings profile. These strengths are partially offset by intense competition in the housing finance segment and sustenance of the comfortable asset quality. For detailed rating rationale the letter of Crisil Ratings is attached herewith as an Annexure - 2. The above intimation and document shall also be made available on the website of the Company at https:\/\/www.pnbhousing.com\/ This intimation is pursuant to Regulation 30, 51(2) and 55 read with Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. Kindly take the above intimation and documents on record. Thanking You, Yours faithfully, For PNB Housing Finance Limited Veena G Kamath Company Secretary Encl: As above. Regd. Office: 9th Floor, Antriksh Bhawan, 22 K G Marg, New Delhi \u2013 110 001 Phone: 011-66030500, E-mail: investor.services@pnbhousing.com, Website: www.pnbhousing.com CIN: L65922DL1988PLC033856 Annexure 1 Details of Instrument(s): Sl. No. ISIN Name of the Credit Rating Agency Credit rating assigned Outlook (Stable\/ Positive\/ Negative\/ No Outlo ok) Rating Action (New\/Upgrad e\/ Downgrade\/ Re- Affirm\/Other) Specify other rating action Date of Credit rating Verification status of Credit Rating Agencies Date of verification 1. INE572E07159 Crisil Ratings Crisil AAA Stable Upgraded NA October 6, 2026 Verified October 6, 2026 2. INE572E07175 Crisil Ratings Crisil AAA Stable Upgraded NA October 6, 2026 Verified October 6, 2026 3. INE572E07241 Crisil Ratings Crisil AAA Stable Upgraded NA October 6, 2026 Verified October 6, 2026 4. INE572E07142 Crisil Ratings Crisil AAA Stable Upgraded NA October 6, 2026 Verified October 6, 2026 5. INE572E09627 Crisil Ratings Crisil AAA Stable Upgraded NA October 6, 2026 Verified October 6, 2026 6. INE572E07274 Crisil Ratings Crisil AAA Stable Upgraded NA October 6, 2026 Verified October 6, 2026 7. INE572E07282 Crisil Ratings Crisil AAA Stable Upgraded NA October 6, 2026 Verified October 6, 2026 Rating Rationale October 06, 2026 | Mumbai PNB Housing Finance Limited Long-term rating upgraded to 'Crisil AAA\/Stable'; Short-term rating reaffirmed Rating Action Total Bank Loan Facilities Rated Rs.9000 Crore Regulator Of Instrument Long Term Rating Crisil AAA\/Stable (Upgraded from 'Crisil AA+\/Stable') RBI Short Term Rating Crisil A1+ (Reaffirmed) RBI Rs.3410 Crore Non Convertible Debentures Crisil AAA\/Stable (Upgraded from 'Crisil AA+\/Stable') SEBI Rs.20000 Crore Fixed Deposits Crisil AAA\/Stable (Upgraded from 'Crisil AA+\/Stable') RBI Rs.500 Crore Short Term Non Convertible Debenture Crisil A1+ (Reaffirmed) RBI Rs.26000 Crore Commercial Paper Crisil A1+ (Reaffirmed) RBI Lower Tier II Bonds Aggregating Rs.500 Crore Crisil AAA\/Stable (Upgraded from 'Crisil AA+\/Stable') SEBI Non Convertible Debentures Aggregating Rs.1040 Crore (Reduced from Rs.1540 Crore) Crisil AAA\/Stable (Upgraded from 'Crisil AA+\/Stable') SEBI Note: None of the Directors on Crisil Ratings Limited\u2019s Board are members of rating committee and thus do not participate in discussion or assignment of any ratings. The Board of Directors also does not discuss any ratings at its meetings. 1 crore = 10 million Refer to annexure for Details of Instruments & Bank Facilities Detailed Rationale Crisil Ratings has upgraded its rating on the long-term bank facilities and debt instruments of PNB Housing Finance Limited (PNB Housing) to \u2018Crisil AAA\/Stable\u2019 from \u2018Crisil AA+\/Stable\u2019 and has reaffirmed its \u2018Crisil A1+\u2019 rating on the short-term bank facility and debt instruments. Crisil Ratings has also withdrawn its rating on non-convertible debentures of Rs 500 crore on receipt of independent confirmation that the instrument has been redeemed. The withdrawal is in line with the Crisil Ratings policy on withdrawal of ratings. The rating upgrade reflects change in analytical approach to factor in support from the largest shareholder, Punjab National Bank (PNB, rated \u2018Crisil AAA\/Crisil AA+\/Stable\/Crisil A1+\u2019). This is based on stated intent of PNB, sole promoter of PNB Housing, to provide unconditional need-based timely funding support in case of exigency. It also reflects the strategic importance of the company within PNB\u2019s retail lending ecosystem and shared branding with PNB. The latter aids the company in raising funds (including deposits) at competitive rates. Further, it also creates a strong moral obligation for PNB to support PNB Housing both on an ongoing basis and in case of exigency, if any. PNB is also expected to remain the single largest shareholder and not dilute its stake in PNB Housing over the medium term. The overall rating also factors in PNB Housing\u2019s established market position in the housing finance space, its strong capitalisation profile and comfortable earnings profile. These strengths are partially offset by intense competition in the housing finance segment and sustenance of the comfortable asset quality. PNB Housing has demonstrated sustained business growth, with assets under management (AUM) growing at compound annual rate of around 11% to Rs 90,921 crore as on March 31, 2026, from Rs 66,617 crore as on March 31, 2023. The AUM increased to Rs 93,021 crore as on June 30, 2026. The portfolio growth continues to be driven by retail housing loans and loans against property (LAP), which together constitute around 95% of the loan book. The company has consistently maintained healthy capital buffer, supported by sustained profitability. Networth increased to Rs 19,794 crore as on June 30, 2026, from Rs 19,219 crore as on March 31, 2026 (Rs 16,863 crore as on March 31, 2025), while gearing was comfortable at 3.7 times as on June 30, 2026. The gearing is expected to remain below 6 times on a steady-state basis. Furthermore, the company's earnings profile remains comfortable. Profit after tax (PAT) was Rs 2,291 crore in fiscal 2026, with return on managed assets (RoMA) of 2.5%. In the first quarter of fiscal 2027, PAT was Rs 557 crore and RoMA was 2.3% (annualised). Going forward, the company's ability to sustain healthy profitability while continuing to scale up operations will remain monitorable. 10\/6\/26, 7:52 PM Rating Rationale https:\/\/www.crisilratings.com\/mnt\/winshare\/Ratings\/RatingList\/RatingDocs\/PNBHousingFinanceLimited_October 06_ 2026_RR_407013.html 1\/10 Analytical Approach Crisil Ratings has consolidated the business and financial risk profile of PNB Housing and its subsidiary given the managerial, operational and financial linkages. Additionally, as per current analytical approach, the ratings also factor in the company\u2019s strategic importance to, and expectation of unconditional need-based timely support from promoter, PNB, in addition to brand- sharing benefits from the parentage. Please refer Annexure - List of Entities Consolidated, which captures the list of entities considered and their analytical treatment of consolidation. Key Rating Drivers - Strengths Expectation of strong support from PNB Crisil Ratings factors in the close association between PNB Housing and PNB. PNB continues to be the promoter and largest shareholder of PNB Housing and has indicated its intention to maintain its shareholding in the company. PNB remains committed to provide unconditional need-based timely funding support to PNB Housing in case of any exigency. The strategic importance of PNB Housing in PNB\u2019s retail lending ecosystem is reflected by limited overlap in the customer profile of the two entities. The bank also has representation through two representatives on the board of PNB Housing and has established review and oversight mechanisms covering key business, and risk and compliance matters. The shared PNB brand helps PNB Housing in raising funds, including deposit mobilisation, and creates moral obligation on PNB to support PNB Housing both on an ongoing basis and in case of exigencies. Strong capitalisation metrics The capitalisation metrics of PNB Housing remain strong with the company\u2019s networth increasing to Rs 19,794 crore as on June 30, 2026, from 19,219 crore as on March 31, 2026, and Rs 16,863 crore as on March 31, 2025. Tier-I and overall capital adequacy ratio (CAR) were healthy at 27.9% and 28.3%, respectively, as on June 30, 2026 (26.9% and 27.3%, respectively, as on March 31, 2026), providing adequate headroom to support envisaged growth. The leverage levels also stood comfortable at 3.7 times as on June 30, 2026 (same as on March 31, 2026); significantly lower from the peak levels of 9.6 times as on March 31, 2019. Gearing is expected to remain under 6 times on a steady state basis. Established market position in the housing finance space PNB Housing is among one of the largest housing finance companies (HFCs) in India, with AUM of Rs 93,021 crore as on June 30, 2026, as against Rs 90,921 crore as on March 31, 2026, and Rs 80,397 crore as on March 31, 2025. The company sustained healthy growth with disbursements of Rs 26,548 crore in fiscal 2026, the highest since fiscal 2020 when disbursement was Rs 18,626 crore. Furthermore, disbursements were Rs 5,882 crore during the first quarter of fiscal 2027. Of the total AUM of Rs 93,021 crore as on June 30, 2026, around Rs 89,670 crore is own-book while the balance is off-book. PNB Housing is focusing on building a strong retail franchise; share of retail in own-loan book increased to ~99.5% as on June 30, 2026, from 76% of loan assets as on March 31, 2019. As part of the retail strategy, the management traditionally has been focusing on lending to the prime segment, which comprised ~59% of the own book as on June 30, 2026. In fiscal 2024, the company started extending affordable housing loans and in fiscal 2025, it started targeting emerging markets. In a short span of time, these segments have shown healthy growth momentum and contributed ~41% of the own book as on June 30, 2026. Over the medium term, the company targets share of 50\u201355% from these segments in the portfolio. The corporate book stood at only ~0.5% (Rs 492 crore) of the own book as on June 30, 2026. Going forward, retail will continue to comprise majority of the loan assets, while on corporate lending, the company intends to take selective exposure on projects which are near completion and of relatively lower ticket size. Comfortable earnings profile PNB Housing\u2019s profitability has remained comfortable in recent periods with PAT and RoMA of Rs 2,291 crore and 2.5%, respectively, in fiscal 2026, compared with Rs 1,936 crore and 2.3%, respectively, in fiscal 2025, and Rs 1,508 crore and 2.0%, respectively, in fiscal 2024. Total income (net of interest expense) and operating expense are stable at around 3.8% and 1.0% of average managed assets, respectively. Improvement in profitability in fiscals 2025 and 2026 was driven by improved recovery, which resulted in credit cost of negative 0.2% and negative 0.4% in fiscals 2025 and 2026, respectively. In the first quarter of fiscal 2027, there was slight moderation of RoMA to 2.3% owing to lower recoveries, resulting in credit cost of negative 0.1%. However, as the company has been expanding into affordable housing and emerging market loan segments, operating expenditure as a percentage of average managed assets could see some uptick. Furthermore, credit cost, currently being supported by high recoveries from delinquent loans of earlier periods, there can be some increase in credit cost when this recovery benefit slows down. But, as management aims to focus on high-yielding affordable and emerging market loans, it should support overall profitability. Nevertheless, the management\u2019s ability to continue to maintain healthy earnings remains monitorable. Key Rating Drivers - Weaknesses Intense competition in the housing finance segment PNB Housing is one of the top housing finance players; however, the company continues to face intense competition from banks, which account for a dominant share of the housing finance market. Crisil Ratings believes that PNB Housing will remain one of the leading HFCs and maintain its market share, but it may face price-based competition over time amid increased focus by banks on this segment. PNB Housing, with focused efforts to grow into an affordable and emerging markets segment and selectively augment its corporate book, should support its ability to maintain its market position, but the company\u2019s ability to demonstrate the same will be seen over time. Improved asset quality; sustenance monitorable The asset quality metrics have improved since March 31, 2022, with gross stage III assets declining to 0.9% as on June 30, 2026, from 3.8% as on March 31, 2023. On two-year lagged basis, gross stage III assets for home loans stood at 1.2% and one-year lagged for LAP stood at 1.3% as on March 31, 2026. 10\/6\/26, 7:52 PM Rating Rationale https:\/\/www.crisilratings.com\/mnt\/winshare\/Ratings\/RatingList\/RatingDocs\/PNBHousingFinanceLimited_October 06_ 2026_RR_407013.html 2\/10 The improvement in gross stage III assets is driven by tightening of underwriting policies, redefinition of business strategy and geographical presence to focus on improvement in asset quality. This has resulted in controlled incremental slippages and been better roll-back from improved recovery mechanisms. PNB Housing has managed recovery from some of the wholesale accounts, as absolute wholesale gross stage III assets were nil as on June 30, 2026, same as on March 31, 2026, and as on March 31, 2025, as against 3.3% as on March 31, 2024. Going forward, Crisil Ratings expects the slippages from the wholesale portfolio to remain relatively controlled with low legacy corporate book outstanding. Even in the retail portfolio, the early bucket delinquencies have been improving in both home loan and LAP segments, which indicates that asset quality will remain rangebound. However, given the company\u2019s focus on growing affordable and emerging market housing loans, there could be some uptick in the asset quality metrics going forward. Thus, performance of the new segments and the ability to maintain comfortable overall asset quality as the portfolio grows will remain monitorable. Liquidity Superior As on August 31, 2026, the company had unencumbered liquidity of Rs 4,885 crore in the form of cash and equivalent (Rs 2,700 crore) and unutilised cash credit and working capital demand loan (CC\/WCDL; Rs 2,185 crore). Additionally, it had Rs 5,401 crore unutilised bank lines on that date. This liquidity is sufficient to meet repayments (excluding CC\/ WCDL due for roll over) for over next one month. Outlook Stable Crisil Rati\"}],\"shareholding_snapshot\":{\"promoter_pct\":28.03,\"public_pct\":71.97,\"fii_pct\":16.81,\"dii_pct\":45.71,\"mf_pct\":33.62,\"institutional_pct\":62.52,\"noninst_pct\":9.42,\"mf_scheme_count\":42,\"pledged_shares\":null,\"pledged_pct_of_promoter\":null,\"mf_holders\":[{\"name\":\"Aditya Birla Sun Life Trustee Private Limited A\/C - Aditya Birla Sun Life Large Cap Fund\",\"shares\":9047618,\"pct\":3.47},{\"name\":\"Hsbc Mutual Fund - Hsbc Value Fund\",\"shares\":8733545,\"pct\":3.35},{\"name\":\"Icici Prudential Focus Equity Fund\",\"shares\":7418727,\"pct\":2.85},{\"name\":\"Nippon Life India Trustee Ltd-A\/C Nippon India Small Cap Fund\",\"shares\":6200246,\"pct\":2.38},{\"name\":\"Hdfc Mutual Fund - Hdfc Multi Cap Fund\",\"shares\":6197028,\"pct\":2.38}],\"period\":\"30-JUN-2026\",\"submission_date\":\"20-JUL-2026\",\"source\":\"NSE shareholding pattern XBRL\",\"source_url\":\"https:\/\/nsearchives.nseindia.com\/corporate\/xbrl\/SHP_1697182_20072026055035_WEB.xml\",\"previous_period\":\"31-MAR-2026\",\"previous_promoter_pct\":28.04,\"previous_fii_pct\":16.6,\"previous_dii_pct\":44.07,\"previous_mf_pct\":31.11,\"previous_institutional_pct\":60.67,\"previous_mf_scheme_count\":41,\"previous_pledged_pct_of_promoter\":null,\"previous_pledged_shares\":null},\"bulk_block_deals\":[{\"deal_type\":\"Bulk\",\"date\":\"21 Apr, 2026\",\"party\":\"GRAVITON RESEARCH CAPITAL LLP\",\"side\":\"Buy\",\"quantity\":\"13,25,082\",\"price\":\"981.39\",\"value\":\"\u20b9130.04 Cr\",\"source\":\"NSE-reported large-deal disclosure\"},{\"deal_type\":\"Bulk\",\"date\":\"21 Apr, 2026\",\"party\":\"GRAVITON RESEARCH CAPITAL LLP\",\"side\":\"Sell\",\"quantity\":\"13,25,082\",\"price\":\"981.83\",\"value\":\"\u20b9130.10 Cr\",\"source\":\"NSE-reported large-deal disclosure\"}]} --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>PNB Housing Finance receives a long-term rating upgrade to CRISIL AAA\/Stable, securing top ratings across all four agencies. Watch stock action at the open.<\/p>\n","protected":false},"author":1,"featured_media":5290,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_witty_seo_title":"PNB Housing Finance in Focus After CRISIL AAA Rating Upgrade | 8 October 2026","_witty_meta_description":"PNB Housing Finance receives a long-term rating upgrade to CRISIL AAA\/Stable, securing top ratings across all four agencies. 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