PHF Finance Private Limited
About PHF Finance Private Limited
Data last updated:
PHF Finance Private Limited is a private limited company based in Jalandhar, Punjab, India. It operates in the asset financing companies segment of the financial services sector. It was incorporated on 01 February 1983 and has been in existence for over 43 years.
The company is registered with the Registrar of Companies (ROC), Chandigarh, under CIN U65921PB1983PTC005287. The company has 1 GST registration on record, which is no longer active.
The company has an authorised share capital of ₹5.15 Cr and a paid-up capital of ₹5.15 Cr. It was formerly known as Punjab Haryana Auto Finance Ltd and Phf Finance Pvt Limited. It is led by directors Sandeep Singh and Adatala Parmeshwar Rao.
Its last annual general meeting (AGM) was held on 30 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Jalandhar, Punjab.
As per the financials filed for FY 2025, the company reported a revenue of ₹17.17 Lakh, a decline of 37% compared to the previous year. For the same year it recorded a net loss of ₹3.11 Lakh (net margin -18.1%) and EBITDA of ₹1.84 Lakh (EBITDA margin 10.7%). Revenue has declined at a compounded annual rate (CAGR) of 31% over three years and 25% over five years.
The company has about 3 employees on its provident fund (EPFO) records.
As per MCA filings, the company has open charges of ₹1.65 Cr and satisfied charges of ₹6.25 Cr on record. Court records list 141 cases involving the company, including 133 filed by the company and 8 filed against it; 2 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Name history
PHF Finance has undergone 4 name changes throughout its history. The current legal name is Phf Finance Private Limited.
| Company Name | Status |
|---|---|
| PHF Finance Private Limited | Current |
| Punjab Haryana Auto Finance Ltd | Previous |
| Phf Finance Pvt Limited | Previous |
| Phf Finance Limited | Previous |
| Punjab Haryana Auto Finance Pvt Ltd | Previous |
CIN history
PHF Finance has one previous CIN (Corporate Identification Number): U65921PB1983PLC005287. The current CIN is U65921PB1983PTC005287, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65921PB1983PTC005287 | Current |
| U65921PB1983PLC005287 | Previous |
Contact details
PHF Finance Private Limited's registered office is in Jalandhar, Punjab. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Registered Address2nd Floor Of R.G Tower – 2, Plot No. 100 – C Urban Estate Phase – II, Jalandhar, Punjab, India – 144022
- IndustryFinancial Services, Asset Financing Companies, Investment & Credit NBFC, NBFC
To see the full contact details of PHF Finance Private Limited, buy the company report.
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
Business activity
The main business activity of PHF Finance is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of PHF Finance Private Limited, buy the company report.
Financials of PHF Finance Private Limited
FY 2025 filings availablePHF Finance Private Limited reported revenue of ₹17.17 Lakh (down 37% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 25% over five years, including a 37% fall in the latest year. EBITDA fell 48% in the latest year. Three- and five-year figures are compounded annual growth rates (CAGR): the steady yearly rate that links the first and the last year. All are worked out from the filed statements.
Financial Statement Summary
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | |||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹1.84 Lakh | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹3.11 Lakh | ||||
| Balance Sheet | |||||
| Share Capital | |||||
| Reserves and Surplus | |||||
| Net Worth (Total Equity) | |||||
| Long-term Borrowings | |||||
| Short-term Borrowings | |||||
| Trade Payables | |||||
| Total Liabilities | |||||
| Fixed Assets | |||||
| Investments | |||||
| Inventories | |||||
| Trade Receivables | |||||
| Cash and Bank Balance | |||||
| Total Assets | |||||
Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 10.7% | ||||
| Net Profit Margin | -18.1% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
| Liquidity and Debt | |||||
| Current Ratio | |||||
| Quick Ratio | |||||
| Debt-to-Equity Ratio | |||||
| Interest Coverage Ratio | |||||
| Efficiency and Growth | |||||
| Asset Turnover | |||||
| Receivable Days | |||||
| Payable Days | |||||
| Inventory Days | |||||
| Revenue Growth | |||||
| Net Profit Growth | |||||
To see the full financial statements and ratios of PHF Finance Private Limited, buy the company report.
Board of directors of PHF Finance Private Limited
PHF Finance has 2 current directors and 11 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Sandeep Singh Also directs: Spkite Investments Private Limited, Tvisva Jewels LLP, Silver Stone Resorts Private Limited and 1 more | Director | 26 Aug 2024 | 2 Years 1 Months | Current |
| Adatala Parmeshwar Rao Also directs: Spkite Investments Private Limited | Director | 26 Aug 2024 | 2 Years 1 Months | Current |
Peer comparison
PHF Finance Private Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (Asset Financing Companies, Finance, NBFC Investment and Credit Companies), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Swastik Plywood Limited | ₹17.25 Lakh (FY 2020) | -35.0% | Kolkata, West Bengal, India | |||
| Climax Waterproofing Products Private Limited | ₹17.21 Lakh (FY 2025) | 50.0% | Vadodara, Gujarat, India | |||
| Bansal Infinlease Private Limited | ₹17.18 Lakh (FY 2025) | 14.0% | New Delhi, Delhi, India | |||
| PHF Finance Private Limitedthis company | ₹17.17 Lakh (FY 2025) | -₹3.11 Lakh | -18.1% | -37.0% | 3 | Jalandhar, Punjab, India |
| Navkot Finance Private Limited | ₹17.16 Lakh (FY 2024) | -20.0% | Mumbai, Maharashtra, India | |||
| MSV Fiscal Services Pvt Ltd | ₹17.12 Lakh (FY 2024) | -6.0% | Kolkata, West Bengal, India | |||
| Mayank Commercial & Finvest Ltd | ₹17.1 Lakh (FY 2025) | -1.0% | Kolkata, West Bengal, India |
To see the full peer comparison of PHF Finance Private Limited, buy the company report.
Auditor
PHF Finance Private Limited is audited by DASS & CO. for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| DASS & CO. | FY 2023 | 000200N |
Shareholding
The shareholding of PHF Finance Private Limited is on record for 5 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of PHF Finance Private Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 21 Oct 2017 | 100130904 | Others | ₹84.95 Lakh | Open | |
| 30 Sep 2016 | 100054148 | Others | ₹56.35 Lakh | Open | |
| 30 Sep 2013 | 10461207 | Atam Parkash Sharma | ₹14.02 Lakh | Open | |
| 05 Aug 2011 | 10304699 | Capital Local Area Bank Limited | ₹10 Lakh | Open | |
| 16 Oct 2019 | 100299508 | Others | ₹50 Lakh | Satisfied |
To see the full charge records of PHF Finance Private Limited, buy the company report.
Total charge records: 33 View all charges
Legal cases
PHF Finance Private Limited has 141 court cases on record: 133 filed by PHF Finance, 8 filed against it. 2 cases are pending and 139 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 139 | 8 | 2 |
| High courts | 2 | 0 | 0 |
Cases on record (5 of 141)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Jalandhar, Punjab | Cheque dishonour complaint | Filed by the company against Avtar | Disposed |
| District court, Amritsar, Punjab | Civil suit | Filed against the company by an individual | Pending |
| District court, Jalandhar, Punjab | Civil suit | Filed against the company by Seth Ram Chand Memorial Welfare Society | Pending |
| District court, Fatehgarh Sahib, Punjab | Execution petition | Filed by the company against an individual | Disposed |
| District court, Jalandhar, Punjab | Civil suit | Filed against the company by an individual | Disposed |
To see the full case history of PHF Finance Private Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
MSME payment delays
PHF Finance Private Limited has 2 MSME Form 1 returns on record for the period ending Sep 2020, listing 2 overdue payments to 1 micro and small supplier. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.
Suppliers with reported dues (1 of 1)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| DSB Law Group Private Limited |
To see the full MSME payment records of PHF Finance Private Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Employees & EPFO
PHF Finance Private Limited has a workforce of 3 employees on its EPFO records as of Apr 08, 2024, across 1 active EPFO establishment.
GST
PHF Finance has 1 GST registration on record, and it has been cancelled or is inactive. Only active GST numbers are listed on this page.
To see the full GST registrations and return filing status of PHF Finance Private Limited, buy the company report.
Recent activity
PHF Finance Private Limited has 13 board changes on record since 2007: 2 appointments and 11 cessations. The latest: Adatala Parmeshwar Rao was appointed as Director on 26 Aug 2024.
67 earlier events are in the company report.
Frequently asked questions
PHF Finance is an active private limited company based in Jalandhar, Punjab, India. The company works in asset financing companies, within the financial services industry. It was incorporated on 01 February 1983 (43+ years old) and is registered under CIN U65921PB1983PTC005287.
PHF Finance has 2 current directors:
- Sandeep Singh - Director
- Adatala Parmeshwar Rao - Director
The latest financial statements of PHF Finance on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from 2015 are in the company report.
No. PHF Finance has 1 GST registration on record and it is cancelled or inactive.
The CIN (Corporate Identification Number) of PHF Finance is U65921PB1983PTC005287. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
PHF Finance has 141 court cases on record: 133 filed by the company and 8 filed against it. 2 are pending. Most are in the district courts.
PHF Finance was incorporated on 01 February 1983, making it 43+ years old. It is registered with the Registrar of Companies, Chandigarh.
The peers of PHF Finance by revenue are Swastik Plywood Limited, Climax Waterproofing Products Private Limited, Bansal Infinlease Private Limited, Navkot Finance Private Limited, MSV Fiscal Services Pvt Ltd and 1 more, all in the BFSI industry (Asset Financing Companies, Finance, NBFC Investment and Credit Companies), with the same principal business activity (other financial activities).
Adatala Parmeshwar Rao was appointed as Director on 26 Aug 2024. Sandeep Singh was appointed as Director on 26 Aug 2024. Shiv Dyal Chugh ceased to be Managing Director on 07 Mar 2021. PHF Finance has 13 board changes on record in total.
PHF Finance has 2 MSME Form 1 returns on record for the period ending Sep 2020, listing 2 overdue payments to 1 micro and small supplier. The latest return was filed on 25 Dec 2020.
The registered office of PHF Finance is at 2nd Floor Of R.G Tower – 2, Plot No. 100 – C Urban Estate Phase – II, Jalandhar, Punjab, India – 144022.
PHF Finance operates in the financial services industry, in the asset financing companies segment.