PHFL Home - PHFL - PNB Housing Finance

PHFL Home - PHFL

About Us
Services
Careers
Investor Relations
Contact Us

PHFL
PHFL Home

Apply for Roshni Home Loan More Details

The way to your dream

home in 3 minutes

Interest Rates starting at

8.5%* p.a

Apply for Home Loan More Details

Turn Your Dream into Reality with

Loan Against Property

Interest rates starting at

9.24%* p.a

Apply for Loan More Details

PHFL

Our Services

Home Loan

PHFL excels in providing a complete bouquet of services to customers to meet their financial needs.

Home Loan

As a distribution arm of PNB Housing Finance; PHFL excels in providing a complete bouquet of services to PNB Housing customers to meet their financial needs.

Product bouquet:

Home Purchase Loan: This loan scheme is suitable for those looking to purchase flat, villa, apartment or an independent floor.
Home Improvement Loan: This unique feature covers complete renovation of an already owned residential property or funds for repair/ up-gradation of a house/flat.
Home Extension Loan: This loan is available for adding more space to your existing home with respect to your growing family needs.
Residential Plot Loan: This scheme offers loan for purchase of a residential plot in an urban area for the construction of residential premise.
Lease Rental Discounting: Under rent securitization scheme, we provide loan against rent receivables from a property owned by you, which has been let out to reputed company.
Home Construction Loan: This includes loan for the purpose of self-construction of a residential house on an already owned piece of land.
Commercial Property Loan: We offer a range of loans for purchase/ construction of commercial property in approved areas. This include loans for office space, shops etc.
Loan against Property: We offer loan against mortgage of your existing residential/commercial immovable property for personal and business requirements.
Top- up loan: Top-up loan is provided over and above the approved Home Loan or Loan against property to fulfil personal and business requirements.
Construction Finance to Developers: This product comes with customized offerings built around real estate developer’s construction finance need. Subject to PNB Housing’s detailed evaluation of the project.

Mutual Fund

PHFL Invest is the single gateway of all your mutual fund investment

Mutual Funds

With PHFL Invest, you can easily carry out transactions from anywhere and have complete control over your Mutual Funds via our mobile Application.

At PHFL, through every step from ideation to implementation, we encourage client participation, ensure visibility, flexibility, and transparency.

PHFL Invest is the single gateway of all your mutual fund investment. No more managing multiple PINs, Login ids. Access your investments across multiple Mutual Funds through PHFL Invest.

The App facilitates faster, easier, and smarter ways to transact in Mutual Funds.

With our financial calculator (Loan Killer calculator) we let you know how much SIP to be needed monthly to square-off the loan amount. So, wealth creation does not need to wait till the debt has been paid off.

Key Features:

100 % Digital Journey

Online KYC

Transparent Mutual Fund offering

Financial calculators

Do it yourself – Ability to select and invest in individual mutual funds as per client’s discretion Readily available Portfolio statement.

Follow these simple steps and download PHFL Invest app today!

Type PHFL Invest on Google play or iOS & download the app
Create an account and start investing.

Create an account and start investing

Download the PHFL Invest app now!

Property Services

Buy your dream home from a range of approved property developers & with in the specified budget.

Property Services

We know the importance of choosing the right property as per your needs & requirements. At PHFL, we understand that home is one of the largest investment for many. We know the importance of choosing the right property as per your needs & requirements. At PHFL, We help you to buy your dream home from a range of approved property developers & with in the specified budget. Leave the pain of searching the property on us, we are confident enough to deliver the best to you.

Fixed Deposit

As a distribution arm of PNB Housing Finance; PHFL excels in providing a fixed deposit solutions to the customers.

Fixed Deposit

Your portfolio should contain a diversified set of investments for optimal performance. While you would have invested in shares, mutual funds, bonds and bank fixed deposits, company deposits is an investment option that you may have overlooked.

Few Benefits of Company Fixed deposit includes:-

Diversification: Fixed and safe returns in an investment portfolio play a key role in limiting portfolio risk. When you have predictable returns, you can plan for your future accordingly. Company fixed deposits offer you stable returns over a fixed period of time.
Higher rate of returns: Company fixed deposits can offer a higher rate of interest than bank fixed deposits.
Tax benefits: If your annual interest income from a company fixed deposit is less than Rs. 5,000 you do not need to pay any income tax on the returns from your company fixed deposit.
Nomination facility: When you invest in a company fixed deposit you can nominate someone from your family to receive the proceeds of the deposit in case of your death. This cuts down on paperwork and is extremely useful facility for investors.
Flexibility: Company fixed deposits are ideal investments in terms of liquidity. In case of a financial emergency, you can prematurely withdraw money from a company fixed deposit. A minimum lock-in period of 3 months applies.
Loan against fixed deposits: If you have need for money, you can borrow against your company fixed deposit. This is useful for investors who want to use their deposits as a collateral for business or private purposes. Loans can be taken up to 75 per cent of the deposit.

Company deposits are yet another option that investors should definitely explore; they may offer higher returns than normal bank deposits. PHFL offers PNB Housing finance ltd fixed deposits, which is amongst the leading players having decades of experience in the financial services industry.

Credit Cards

PHFL excels in providing a complete bouquet of credit cards to customers to meet daily finances needs.

Credit Cards

As a distribution arm of PNB Housing Finance; PHFL also excels in providing a complete bouquet of credit cards to customers to meet daily finances needs. A credit card which suits your lifestyle with maximum convenience, unmatched benefits & exciting discounts offer. For the convenience of customers, PHFL had tied up with like Indusind bank, American express etc.

Insurance

PHFL provides tailor made Insurance solutions based on your needs & requirements.

Insurance

At PHFL, we understand that securing the future of family & loved ones is the most important goals of your life. We provide tailor made insurance solutions based on your needs & requirements. These insurance policies not only provides cover in extremes but also helps in generating returns. It is suggested that customer should get the property & loan repayment insured to overcome an unfortunate event during the repayment of the loan. We work with prominent insurance companies like HDFC Life Insurance Company & Bharti AXA Insurance Company, ICICI Lombard General Insurance Company, Tata AIG General Insurance Company to provide need based Life & Non-life insurance solutions.

PHFL Home Loans & Services Ltd. (PHFL) is a wholly owned subsidiary of PNB Housing Finance Ltd

PHFL was incorporated with an object to get engaged in the business of rendering of professional/ consultancy services including sourcing, marketing, promoting, publicizing, advertising, soliciting, distributing any kind of financial instruments or all classes of insurance product or syndicated credit products or investment products or wealth products to various customers.

Know More

Contact Us

Full Name *

Mobile Number * +91

Email ID *

Write Your query*

Thank You

Thank you for reaching out to PHFL Home Loan and Services Ltd. We will contact you soon.

PHFL

Get in Touch

PHFL Home Loans and Services Limited

207, 209, 2nd Floor Antriksh Bhawan, 22,
Kasturba Gandhi Marg, New Delhi – 110001

Prashant Khera

COO@phfl.com / prashant.khera@phfl.com

Toll free- 011 – 23735678

CIN- U67200DL2017PLC322468

Disclaimers

PHFL Home Loan & Services Ltd. has made all efforts to ensure that the contents of this website do not contain any mistakes, omissions, inaccuracies, typographical and other errors. However, PHFL Home Loan & Services Ltd. assumes no responsibility, if any such errors are there in the contents of the website. PHFL Home Loan & Services Ltd. makes no warranty or representation that this website is free from all errors, mistakes, etc. Hyper links, if any, to other Internet websites are at user’s own risk. The contents of these sites are not verified or endorsed by PHFL Home Loan & Services Ltd. in any way. PHFL Home Loan & Services Ltd. makes no warranty or representation that the contents of such websites are error free and correct. PHFL Home Loan & Services Ltd. has taken all steps to prevent the introduction of viruses, worms or other destructive material to this website. However, PHFL Home Loan & Services Ltd. does not guarantee or warrant that this website or the material that may be downloaded from this website does not contain any such destructive material. PHFL Home Loan & Services Ltd. shall not be liable for any harm or damages which may be caused due to such destructive material present in this website. PHFL Home Loan & Services Ltd. has taken all steps to protect the customer information. However, PHFL Home Loan & Services Ltd. shall not be liable or responsible and expressly disclaims any liability arising on account of information passing through unauthorized access of the website or otherwise.

Privacy Policy

This Privacy Policy governs the manner in which PHFL Home Loans and Services collects, uses, maintains and discloses information collected from users (each, a “User”) of the www.phfl.com website (“Site”). This privacy policy applies to the Site and all products and services offered by PHFL Home Loans and Services Limited.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

PHFL Home Loan & Services Limited may collect and use Users personal information for the following purposes:

To improve customer service information you provide helps us respond to your service requests and support your needs more efficiently.
To process payments
We may use the email address to respond to their inquiries, questions, and/or other requests.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

Changes to this privacy policy

PHFL Home Loan & Services Limited has the sole discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Site. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Refund Policy

TO ACT FAIRLY AND IN A TRANSPARENT MANNER

The Company shall act fairly and reasonably in all dealings with Customers by ensuring that.

The commitments and standards prescribed in this Code are met for all Products, Services, Procedures, & Practices.
Company’s Products & Services meet relevant Laws & Regulations in letter & spirit.
Company’s dealings with Customers rest on the Ethical Principles of Integrity & Transparency

Company will transparently disclose to the borrower all information about fees / charges payable for processing the loan application, the amount of fees refundable if loan amount is not sanctioned / disbursed, pre-payment options and charges, if any, penalty for delayed repayment if any, conversion charges for switching loan from fixed to floating rates or vice-versa, existence of any interest reset clause and any other matter which affects the interest of the borrower. Company will disclose ‘all in cost’ inclusive of all charges involved in processing / sanction of loan application in a transparent manner. Company will ensure that such changes / fees are non-discriminatory.