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.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
Mutual funds have become a household name when it comes to investment. It gives you the ability to easily invest in increasingly complicated financial markets. There are several types of mutual fund schemes in the market that are tailored to suit your requirements.
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.
Follow these simple steps and download PHFL Invest app today!
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.
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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.
With the team strength of 3000 employees spread across 44 cities, PHFL offers doorstep services to provide housing loan, property search services and loan against property to individuals & corporate bodies for home purchase, loan construction repair, upgradation of home, loan for compound space , loan against residence & commercial property etc.
Apart from Home loan products & property services, company also provides financial solutions to individuals covering fixed deposits, life insurance, credit card through associated partners like Indusind bank, American express, Life & Non-life insurance products through HDFC Life Insurance Company & Bharti AXA Insurance Company, ICICI Lombard General Insurance Company, Tata AIG General Insurance Company.
Established by PNB Housing Finance Ltd., the biggest asset of PHFL is its people. PHFL strongly believes in the fact that a Company can only grow when its people grow. At PHFL, every individual and his/her efforts are valued. The Company promotes a high performance culture and every individual’s role in the growth of the organization is constantly appreciated. The Company encourages its employees to build great interpersonal relationships which translate into success at various levels.
With its people-friendly policies and an environment that encourages individual initiatives, PHFL is a great workplace for those who dream to go beyond the obvious. The work culture is such that along with thorough professionalism, there is a sense of belonging too among employees. Those who prove their mettle in their chosen fields are well rewarded while those who are confident of handling extended responsibilities beyond their defined area of work are provided with the right platform to outshine the best in the world.:-
As an organisation, we share similar values of our founder, PNB Housing finance ltd.
PNB Housing Finance Limited (PNB Housing) is a registered housing finance company with National Housing Bank (NHB). It was incorporated under the Companies Act, 1956 and commenced its operations on November 11, 1988. PNB Housing is promoted by Punjab National Bank (PNB). The Company came out with a public issue of equity shares in November 2016. Its equity shares are listed on National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) with effect from 7th November 2016.
With over three decades of specialised experience in housing finance, PNB Housing has a robust network of branches spread across the country which help its customers avail financial services (loans and deposits) seamlessly.
Credit Rating of PNB Housing Finance
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.
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Mr. Satish Kumar Singh – Chief Operating Officer (COO) Mr. Satish Kumar Singh is an MBA and also holds a degree in Law. He has over 16 years of experience in different industries like manufacturing, Insurance and housing finance and has worked with organizations like JSW Steel and Bharti Axa General Insurance before joining PNB Housing Finance Limited. He has been a successful HR professional with experience of transforming business along the way. We are sure that his guidance and leadership will take the Company to new highs. |
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Mr. Girish Kousgi Mr. Girish Kousgi is a Banking professional with over 25 years of experience. He has extensive experience of managing assets and liabilities and has gained expertise in mortgage, retail lending, SME and Agri business.). He has earlier worked in HDFC Ltd., ICICI Bank, IDFC Bank and Tata Capital. He has dealt with a variety of loan products like home loans, business loans, LAP, personal loans, mortgages, deposits, retail, rural products, etc. and gained wide experience in handling sales, product, credit underwriting, risk and operations. He has significant experience of retail banking for over 22 years in Bengaluru, Mumbai Hyderabad and Cochin apart from an experience of about 11 years in credit risk including risk-based verification strategies for loan products, measure credit expansion opportunities in the lending market and validate and implement credit risk models.). Mr. Girish Kousgi is a Post-graduate in Business Administration (MBA) and graduate in Commerce (B.Com).). Prior to joining PNB Housing, Girish Kousgi was MD & CEO of Can Fin Homes Limited (September 2019 to October 2022). |
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Ms Deepika Gupta Padhi Deepika Gupta Padhi is a passionate and proficient finance professional with 18 years of experience in multiple sectors viz BFSI, Pharma, Oil & Gas and Consumer. Over time she has worked and built strong understanding in the areas of Investor Relations, Treasury, Fund Raising, Due diligence, MIS etc. She currently heads Investor Relations and is responsible for the capital raise activity at PNB Housing Finance, 4th largest housing finance company of India. She has worked with reputed companies like Aurobindo Pharma, Cairn India, Radico Khaitan, SPA Capital etc. She has been recognised as one of the “India’s top 100 women in Finance 2019” and has also been conferred with “Business Excellence & Innovative Best Practices Academia Award – 2019” by New Delhi Institute of Management. |
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Mr. Amit Singh He has completed his MBA from ICFAI Mumbai. Earlier he was working with working with SBI Mutual Fund where he was leading the HR function. He comes with an extensive experience in leading HR transformation journeys and creating value for Business Enterprise across areas in Talent Management, Rewards, HR digital delivery, Capability Building & Engagement. Prior to SBI Mutual Fund, Mr Amit was Director & Business HR Head at IDFC Bank and has also had stints with TCS and Blue Star Infotech. He is currently “Chief People Officer” of PNB Housing Finance Limited. |
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Mr. Vinay Gupta Vinay Gupta is the Chief Financial Officer of PNB Housing Finance Limited (‘Holding Company’). He is responsible for overall finance, treasury and investor relations function in our Company. He has passed the examination for a bachelor’s degree in commerce from University of Delhi. He is a member of the Institute of Chartered Accountants of India. Previously, he was associated with SBI Cards and Payment Services Limited, GE Capital Services Limited and Price Waterhouse. |
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Mr. Dilip Vaitheeswaran Dilip Vaitheeswaran is the Chief Sales Officer of the prime (mortgage) business of the company. He has 14+ years of experience in the retail lending business across business strategy, product & portfolio management, sales & distribution, and P&L management functions. He joined our company in April 2023. He is responsible for growth, and profitability outcomes for the retail business of the company. He holds a bachelor’s degree in mechanical engineering from Anna University, Chennai, and a master’s degree in business administration from the Indian Institute of Foreign Trade, New Delhi. Before joining us, he was associated with Axis Bank Limited. |
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