About PHFL
PHFL is a Financial Services company based in Delhi (India) founded in 2017. It provides home loans, mutual funds, insurance, and property services. It operates on a B2C and D2C model in Financial Services and Technology sectors. The company has 3,696 employees. Its Indian entity Phfl Home Loans And Services Limited reported revenue of ₹245 Cr. PHFL offers products and services including Home Loan, Mutual Fund, Fixed Deposit, Credit Card, and Insurance. Its focus areas include Finance, Housing Finance, Home Loans and Mortgage Loans. Similar companies include HomeFirst Finance, HDFC and India Shelter Finance Corporation; 2 of its 3 listed similar companies have raised funding.
Company details
PHFL, a subsidiary of PNB Housing Finance, delivers financial solutions including home loans for purchase, improvement, and construction, as well as mutual funds, fixed deposits, credit cards, and insurance. It operates as a distribution arm, offering online platforms for investments and property services. Based in New Delhi, India, it serves individual customers with tailored products for personal and business needs, ensuring transparency in dealings.
- Headquarters Delhi, India
- Employees 3,696
- SectorsFinancial ServicesTechnology
- Email••••••••
- Website phfl.com
- Legal Name Phfl Home Loans And Services Limited
- Date of Incorporation 22 Aug, 2017
- Jurisdiction New Delhi, Delhi, India
- Annual Revenue₹245 Cr
FY 2025 · +30% YoY
- Net Profit₹12.98 Cr
FY 2025 · 5% margin
- EBITDA₹15.97 Cr
FY 2025 · 7% margin
- Employee Count3,696
Associated legal entities of PHFL
PHFL is associated with 2 registered companies on The Company Check; the primary company is Phfl Home Loans And Services Limited. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Phfl Home Loans And Services Limited CIN U67200DL2017PLC322468 | Active | 22 Aug 2017 | New Delhi, Delhi | ₹245 Cr | 3,696 | 6 | View details |
| Pnb Housing Finance Limited Listed CIN L65922DL1988PLC033856 | Active | 11 Nov 1988 | New Delhi, Delhi | ₹8,505 Cr | 2,007 | 11 | View details |
Products & Services of PHFL
PHFL offers a comprehensive portfolio of products and services, including Home Loan, Mutual Fund, Fixed Deposit, Credit Card, and Insurance.
Offers loans for home purchase, improvement, and construction needs
Platform for managing and investing in mutual funds online
Provides fixed deposit options with stable returns
Distributes credit cards for daily financial transactions
Offers tailored insurance solutions for life and property
Board of directors of Phfl Home Loans And Services Limited (PHFL)
Phfl Home Loans And Services Limited is the primary company behind PHFL. The boards of the 2 registered companies of PHFL currently have 14 directors; the longest-serving is Deepika Gupta Padhi, appointed in 2020. 71 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Deepika Gupta Padhi DIN 08002469 | Director | 07 Feb 2020 | 6 yrs 9 mo | Phfl Home Loans And Services Limited |
| Tejendra Mohan Bhasin DIN 03091429 | Director | 02 Apr 2020 | 6 yrs 7 mo | Pnb Housing Finance Limited |
| Neeraj Madan Vyas DIN 07053788 | Director | 01 Sep 2020 | 6 yrs 2 mo | Pnb Housing Finance Limited |
| Gita Nayyar DIN 07128438 | Director | 29 May 2021 | 5 yrs 5 mo | Pnb Housing Finance Limited |
| Amit Singh DIN 09474114 | Director | 20 Jan 2022 | 4 yrs 9 mo | Phfl Home Loans And Services Limited |
| Vinay Gupta DIN 10161211 | Director | 12 May 2023 | 3 yrs 6 mo | Phfl Home Loans And Services Limited |
| Satish Kumar Singh DIN 11098325 | Director | 08 May 2025 | 1 yr 6 mo | Phfl Home Loans And Services Limited |
| Devendran Surendran DIN 10174317 | Nominee Director | 23 Aug 2025 | 1 yr 2 mo | Pnb Housing Finance Limited |
| Jatul Anand DIN 11285939 | Additional Director | 08 Sep 2025 | 1 yr 2 mo | Phfl Home Loans And Services Limited |
| Ajai Kumar Shukla DIN 11358498 | Managing Director | 18 Dec 2025 | 10 mo | Pnb Housing Finance Limited |
| Dipankar Mahapatra DIN 09446502 | Nominee Director | 05 Feb 2026 | 9 mo | Pnb Housing Finance Limited |
| Rajiv Kumar Singh DIN 03060652 | Director | 10 Jul 2026 | 4 mo | Pnb Housing Finance Limited |
| Shreekant DIN 11808336 | Director | 10 Jul 2026 | 4 mo | Pnb Housing Finance Limited |
| Dilip Vaitheeswaran DIN 10390048 | Director | Phfl Home Loans And Services Limited |
Financials of PHFL
Figures of Phfl Home Loans And Services Limited, the primary company behind PHFL, for FY 2025. Revenue was ₹245 Cr (+30% year on year). Net profit was ₹12.98 Cr (5% margin). EBITDA was ₹15.97 Cr (7% margin). Revenue has grown at a compounded annual rate of +1% over three years and -5% over five years.
- ₹245 CrRevenue · FY 2025 · +30% YoY
- ₹12.98 CrNet profit · 5% margin
- ₹15.97 CrEBITDA · 7% margin
- ₹25 LakhPaid-up capital
- 3,696Employees (provident fund records)
- +1%Revenue CAGR, 3 years
- -5%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of Phfl Home Loans And Services Limited are on its company page.
Detailed financial statements for PHFL
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Similar companies to PHFL
PHFL has 3 listed similar companies in our database, 2 of them funded. They include HomeFirst Finance, HDFC and India Shelter Finance Corporation.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| homefirstindia.com | 2010 | Mumbai, India | $209.7M | 1,724 | Affordable home loans are extended to low and middle-income groups. | |
| hdfc.com | 1977 | Mumbai, India | 213,527 | Provider of housing finance solutions | ||
| indiashelter.in | 2010 | Gurugram, India | $111.02M | 3,323 | Housing loans are extended to middle-income households in India. |
Detailed similar companies of PHFL
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Web traffic of PHFL
The website of PHFL (phfl.com) receives about 3.3K visits a month.
- Monthly visits3.3K
▲ 48.7% vs previous month
Top companies in Housing Finance
3 companies that operate in the same segment as PHFL (Housing Finance) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Operates an online platform for educational loans tailored to students. | 2019 | Bengaluru, Karnataka, India | USD 24.31 M | 1,250 | ||
Loans for housing and business are provided by Aavas Financiers in India. | 2011 | Jaipur, Rajasthan, India | USD 99.6 M | 6,379 | ||
Finance services encompassing loans and insurance in India. | 1991 | Jaipur, Rajasthan, India | USD 8.21 M |
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Related news about Phfl
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Frequently Asked Questions about PHFL
PHFL was founded in 2017.
PHFL is headquartered in Delhi, India. It is registered at Delhi, Delhi, India.
PHFL has 3,696 employees.
The primary company behind PHFL, Phfl Home Loans And Services Limited, reported revenue of ₹245 Cr for FY 2025, up 30% year on year.
PHFL, a subsidiary of PNB Housing Finance, delivers financial solutions including home loans for purchase, improvement, and construction, as well as mutual funds, fixed deposits, credit cards, and insurance. It operates as a distribution arm, offering online platforms for investments and property services. Based in New Delhi, India, it serves individual customers with tailored products for personal and business needs, ensuring transparency in dealings.
PHFL's top competitors include HomeFirst Finance, India Shelter Finance Corporation and HDFC.
PHFL offers Home Loan, Mutual Fund, Fixed Deposit, Credit Card, and Insurance.
PHFL is associated with 2 legal entities: Phfl Home Loans And Services Limited, Pnb Housing Finance Limited.
The legal entities of PHFL currently have 15 directors, including Dilip Vaitheeswaran, Deepika Gupta Padhi, Vinay Gupta and others.