About PHFL Home Loans and Services Limited
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PHFL Home Loans and Services Limited is a public limited company based in New Delhi, Delhi, India, a subsidiary of Pnb Housing Finance Limited. It operates in the housing finance companies segment of the financial services sector. It was incorporated on 22 August 2017 and has been in existence for over 9 years.
The company is registered with the Registrar of Companies (ROC), Delhi, under CIN U67200DL2017PLC322468. Its GSTIN is 07AAJCP3824F1ZG (Delhi). The company holds 21 GST registrations, all of them active.
The company has an authorised share capital of ₹1 Cr and a paid-up capital of ₹25 Lakh. It is led by directors including Dilip Vaitheeswaran and Deepika Gupta Padhi.
Its last annual general meeting (AGM) was held on 01 August 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Flat No 207 & 209 2nd Floor Antriksh Bhawan 22 Kasturba Gandhi Mar, G, New Delhi, Delhi, India – 110001.
As per the financials filed for FY 2025, the company reported a revenue of ₹244.78 Cr, a growth of 30% compared to the previous year. For the same year it recorded a net profit of ₹12.98 Cr (net margin 5.3%) and EBITDA of ₹15.97 Cr (EBITDA margin 6.5%). Revenue has declined at a compounded annual rate (CAGR) of 1% over three years and 5% over five years.
The company has about 3,696 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: PHFL. Court records list 3 cases involving the company, including 1 filed by the company and 2 filed against it; 3 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website phfl.com.
Company details
Contact details
PHFL Home Loans and Services Limited's registered office is in New Delhi, Delhi. Its website is phfl.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressFlat No 207 & 209 2nd Floor Antriksh Bhawan 22 Kasturba Gandhi Mar, G, New Delhi, Delhi, India – 110001
- IndustryFinancial Services, Housing Finance Companies
To see the full contact details of PHFL Home Loans and Services 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 PHFL Home Loans and Services is financial and insurance service. In detail, this covers financial advisory, brokerage and consultancy services.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K7 | Financial Advisory, brokerage and Consultancy Services |
To see the full business activity and turnover split of PHFL Home Loans and Services Limited, buy the company report.
Financials of PHFL Home Loans and Services Limited
FY 2025 filings availablePHFL Home Loans and Services Limited reported revenue of ₹244.78 Cr (up 30% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue rose 30% in the latest year, though over five years it has declined at a compounded annual rate (CAGR) of 5%. EBITDA rose 56% 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 |
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| EBITDA | ₹15.97 Cr | ||||
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| Tax Expense | |||||
| Net Profit (PAT) | ₹12.98 Cr | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 6.5% | ||||
| Net Profit Margin | 5.3% | ||||
| Return on Equity (ROE) | |||||
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To see the full financial statements and ratios of PHFL Home Loans and Services Limited, buy the company report.
Board of directors of PHFL Home Loans and Services Limited
PHFL Home Loans and Services has 6 current directors and 13 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Dilip Vaitheeswaran | Director | Current | ||
| Deepika Gupta Padhi Also directs: Divergent Engagements Private Limited | Director | 07 Feb 2020 | 6 Years 9 Months | Current |
| Vinay Gupta Also directs: Pehel Foundation | Director | 12 May 2023 | 3 Years 5 Months | Current |
| Amit Singh Also directs: Pehel Foundation | Director | 20 Jan 2022 | 4 Years 9 Months | Current |
| Satish Kumar Singh Also directs: Pehel Foundation | Director | 08 May 2025 | 1 Years 6 Months | Current |
| Jatul Anand Also directs: Pehel Foundation | Additional Director | 08 Sep 2025 | 1 Years 2 Months | Current |
Auditor
PHFL Home Loans and Services Limited is audited by B R Maheswari & Co LLP for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| B R Maheswari & Co LLP | FY 2023 | 001035N/N500050 |
Shareholding
The shareholding of PHFL Home Loans and Services 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 2019 | FY 2018 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of PHFL Home Loans and Services Limited, buy the company report.
Legal cases
PHFL Home Loans and Services Limited has 3 court cases on record: 1 filed by PHFL Home Loans and Services, 2 filed against it. All cases are pending.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 3 | 2 | 3 |
Cases on record (2 of 3)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, New Delhi, Delhi | Civil suit | Filed by the company against HDFC Bank Ltd Res No 02 and 1 other | Pending |
| District court, Unnao, Uttar Pradesh | Criminal case | Filed against the company by State | Pending |
To see the full case history of PHFL Home Loans and Services 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
PHFL Home Loans and Services Limited has 2 MSME Form 1 returns on record for the period ending Mar 2023, listing 12 overdue payments to 3 micro and small suppliers. 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 (3 of 3)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| Soni Majan Services Private Limited | |||
| an individual supplier | |||
| Omkar Print Lab Private Limited |
To see the full MSME payment records of PHFL Home Loans and Services Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Employees & EPFO
PHFL Home Loans and Services Limited has a workforce of 3,696 employees on its EPFO records as of Apr 07, 2024, across 1 active EPFO establishment.
GST
PHFL Home Loans and Services has 21 GST registrations: 21 active. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 07AAJCP3824F1ZG | Delhi | Active | 14 Oct 2017 |
| 07AAJCP3824F2ZF | Delhi | Active | 01 May 2022 |
| 27AAJCP3824F1ZE | Maharashtra | Active | 29 Dec 2018 |
| 03AAJCP3824F1ZO | Punjab | Active | 31 Dec 2018 |
To see the full GST registrations and return filing status of PHFL Home Loans and Services Limited, buy the company report.
Recent activity
PHFL Home Loans and Services Limited has 18 board changes on record since 2020: 5 appointments and 13 cessations. The latest: Jatul Anand was appointed as Additional Director on 08 Sep 2025.
9 earlier events are in the company report.
Frequently asked questions
PHFL Home Loans and Services is an active public limited company based in New Delhi, Delhi, India. The company works in housing finance companies, within the financial services industry. It was incorporated on 22 August 2017 (9+ years old) and is registered under CIN U67200DL2017PLC322468.
PHFL Home Loans and Services has 6 current directors:
- Dilip Vaitheeswaran - Director
- Deepika Gupta Padhi - Director
- Vinay Gupta - Director
- Amit Singh - Director
- Satish Kumar Singh - Director
- Jatul Anand - Additional Director
The latest financial statements of PHFL Home Loans and Services on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 01 August 2025. Year-wise statements from FY 2018 are in the company report.
The GSTIN of PHFL Home Loans and Services is 07AAJCP3824F1ZG, registered in Delhi. The company has 21 GST registrations in all, of which 21 are active. Other active GSTINs include 07AAJCP3824F2ZF (Delhi), 27AAJCP3824F1ZE (Maharashtra), 03AAJCP3824F1ZO (Punjab).
The CIN (Corporate Identification Number) of PHFL Home Loans and Services is U67200DL2017PLC322468. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
PHFL Home Loans and Services has 3 court cases on record: 1 filed by the company and 2 filed against it. 3 are pending.
PHFL Home Loans and Services was incorporated on 22 August 2017, making it 9+ years old. It is registered with the Registrar of Companies, Delhi.
Jatul Anand was appointed as Additional Director on 08 Sep 2025. Satish Kumar Singh ceased to be Additional Director on 31 Jul 2025. Satish Kumar Singh was appointed as Director on 08 May 2025. PHFL Home Loans and Services has 18 board changes on record in total.
PHFL Home Loans and Services has 2 MSME Form 1 returns on record for the period ending Mar 2023, listing 12 overdue payments to 3 micro and small suppliers. The latest return was filed on 30 Aug 2023.
PHFL Home Loans and Services can be reached through the website phfl.com. Its registered office is in New Delhi, Delhi, India.
The registered office of PHFL Home Loans and Services is at Flat No 207 & 209 2nd Floor Antriksh Bhawan 22 Kasturba Gandhi Mar, G, New Delhi, Delhi, India – 110001.
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