PNB Housing Finance Ltd
NSE :PNBHOUSING BSE :540173 Sector : FinanceBuy, Sell or Hold PNBHOUSING? Ask The Analyst
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22 Apr 994.95 (-1.17%) | 21 Apr 1006.75 (1.63%) | 17 Apr 990.65 (-1.10%) | 16 Apr 1001.70 (3.18%) | 15 Apr 970.80 (-0.88%) | 11 Apr 979.40 (6.09%) | 09 Apr 923.15 (-4.25%) | 08 Apr 964.10 (4.38%) | 07 Apr 923.65 (-2.72%) | 04 Apr 949.45 (1.29%) | 03 Apr 937.40 (2.22%) | 02 Apr 917.05 (5.06%) | 01 Apr 872.85 (-0.98%) | 28 Mar 881.50 (1.21%) | 27 Mar 871.00 (2.24%) | 26 Mar 851.95 (-2.15%) | 25 Mar 870.65 (-0.26%) | 24 Mar 872.95 (1.41%) | 21 Mar 860.80 (4.21%) | 20 Mar 826.05 (-0.94%) | 19 Mar 833.85 (2.00%) |
Technical Analysis
Short Term Investors

Very Bullish
Medium Term Investors

Very Bullish
Long Term Investors

Neutral
Moving Averages
5 DMA
Bullish
992.95
10 DMA
Bullish
970.47
20 DMA
Bullish
923.53
50 DMA
Bullish
858.46
100 DMA
Bullish
872.87
200 DMA
Bullish
890.48
Intraday Support and Resistance
(Based on Pivot Points) undefined |
Updated On Apr 22, 2025 04:00 PM For Next Trading Session
Pivots | Classic | Fibonacci | Camarilla | Woodie | DM |
---|---|---|---|---|---|
R3 | 1034.96 | 1024.98 | 1001.83 | - | - |
R2 | 1024.98 | 1015.43 | 999.53 | 1023.73 | - |
R1 | 1009.96 | 1009.53 | 997.24 | 1007.46 | 1017.48 |
P | 999.98 | 999.98 | 999.98 | 998.73 | 1003.74 |
S1 | 984.96 | 990.43 | 992.66 | 982.46 | 992.48 |
S2 | 974.98 | 984.53 | 990.37 | 973.73 | - |
S3 | 959.96 | 974.98 | 988.08 | - | - |
Key Metrics
EPS
70.24
P/E
14.15
P/B
1.63
Dividend Yield
0%
Market Cap
25,861 Cr.
Face Value
10
Book Value
609.17
ROE
11.61%
EBITDA Growth
1,786.95 Cr.
Debt/Equity
4.18
Shareholding History
Quarterly Result (Figures in Rs. Crores)
PNB Housing Finance Ltd Quaterly Results
Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | ||
INCOME | 1756 | 1813.97 | 1832.08 | 1879.66 | 1943.11 | |
PROFIT | 338.44 | 439.25 | 432.81 | 469.68 | 483.27 | |
EPS | 13.04 | 16.91 | 16.66 | 18.08 | 18.6 |
PNB Housing Finance Ltd Quaterly Results
Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | ||
INCOME | 1751.47 | 1805.74 | 1822.01 | 1869.06 | 1924.89 | |
PROFIT | 346.54 | 443.8 | 438.71 | 471.7 | 471.43 | |
EPS | 13.35 | 17.09 | 16.89 | 18.16 | 18.14 |
Profit & Loss (Figures in Rs. Crores)
PNB Housing Finance Ltd Profit & Loss
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | ||
INCOME | 5489.34 | 7683.22 | 8489.55 | 7624.08 | 6200.73 | 6529.66 | 7057.09 | |
PROFIT | 841.26 | 1191.6 | 646.56 | 932.34 | 836.63 | 1046.15 | 1508.2 | |
EPS | 41.8 | 58.91 | 31.81 | 45.75 | 41.07 | 51.28 | 58.06 |
PNB Housing Finance Ltd Profit & Loss
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | ||
INCOME | 1780.38 | 2698.67 | 3907.85 | 5488.69 | 7484.6 | 8485.92 | 7583.98 | 6145.92 | 6492.39 | 7023.98 | |
PROFIT | 194.21 | 326.55 | 523.73 | 842.25 | 1081.46 | 682.65 | 927.65 | 822.07 | 1056.42 | 1527.61 | |
EPS | 18.69 | 25.72 | 26.18 | 41.85 | 53.46 | 33.59 | 45.52 | 40.36 | 51.79 | 58.81 |
Balance Sheet (Figures in Rs. Crores)
Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | |
SOURCES OF FUNDS : | |||||||
Share Capital | 259.72 | 168.86 | 168.6 | 168.27 | 168.19 | 167.47 | 166.59 |
Reserves Total | 14,714.72 | 10,844.8 | 9,703.03 | 8,754.76 | 7,829.58 | 7,376.43 | 6,400.75 |
Equity Application Money | 0 | 0.2 | 0 | 0 | 0 | 0 | 0 |
Total Shareholders Funds | 14,974.44 | 11,013.86 | 9,871.63 | 8,923.03 | 7,997.77 | 7,543.9 | 6,567.34 |
Secured Loans | 31,439.18 | 33,068.79 | 32,617.81 | 40,102.84 | 49,758.52 | 48,544.12 | 30,827.8 |
Unsecured Loans | 23,577.41 | 20,552.59 | 20,343.32 | 19,289.6 | 17,976.58 | 23,314.73 | 22,948.9 |
Total Loan Funds | 55,016.59 | 53,621.38 | 52,961.13 | 59,392.44 | 67,735.1 | 71,858.85 | 53,776.7 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 1,639.08 |
Total Liabilities | 69,991.03 | 64,635.24 | 62,832.76 | 68,315.47 | 75,732.87 | 79,402.75 | 61,983.12 |
APPLICATION OF FUNDS : | |||||||
Loan / Non-Current Assets | 64,108.24 | 57,839.79 | 55,335.94 | 60,644.72 | 66,628.02 | 74,287.88 | 57,164.8 |
Gross Block | 441 | 401.63 | 363.41 | 341.92 | 365.88 | 156.38 | 99.71 |
Less: Accumulated Depreciation | 234.22 | 255.32 | 213.01 | 160.65 | 114.8 | 53.27 | 23.59 |
Net Block | 206.78 | 146.31 | 150.4 | 181.27 | 251.08 | 103.11 | 76.12 |
Capital Work in Progress | 15.25 | 3.16 | 3.54 | 2.38 | 4.06 | 5.17 | 9.69 |
Investments | 4,346.01 | 3,196.29 | 3,482.7 | 2,044.82 | 2,075.74 | 4,560.67 | 2,412.95 |
Sundry Debtors | 51.45 | 12.86 | 42.76 | 44.94 | 44.9 | 38.88 | 0.33 |
Cash and Bank Balance | 2,606.93 | 3,796.2 | 5,216.09 | 6,968.63 | 8,514.39 | 4,034.07 | 2,816.98 |
Loans and Advances | 942.5 | 1,733.42 | 1,099.28 | 1,075.81 | 1,125.6 | 778.22 | 289.28 |
Total Current Assets | 3,600.88 | 5,542.48 | 6,358.13 | 8,089.38 | 9,684.89 | 4,851.17 | 3,106.59 |
Current Liabilities | 2,393.59 | 2,220.74 | 2,879.52 | 2,995.41 | 3,177.92 | 4,440.98 | 1,012.61 |
Provisions | 20.23 | 17.72 | 17.33 | 81.32 | 18.94 | 25.26 | 18.74 |
Total Current Liabilities & Provisions | 2,413.82 | 2,238.46 | 2,896.85 | 3,076.73 | 3,196.86 | 4,466.24 | 1,031.35 |
Net Current Assets | 1,187.06 | 3,304.02 | 3,461.28 | 5,012.65 | 6,488.03 | 384.93 | 2,075.24 |
Deferred Tax Assets | 374.93 | 418.88 | 398.9 | 429.63 | 285.94 | 60.99 | 45.46 |
Deferred Tax Liability | 247.24 | 273.21 | 0 | 0 | 0 | 0 | 0 |
Net Deferred Tax | 127.69 | 145.67 | 398.9 | 429.63 | 285.94 | 60.99 | 45.46 |
Other Assets | 0 | 0 | 0 | 0 | 0 | 0 | 198.86 |
Total Assets | 69,991.03 | 64,635.24 | 62,832.76 | 68,315.47 | 75,732.87 | 79,402.75 | 61,983.12 |
Contingent Liabilities | 110.94 | 87.76 | 23.12 | 12.37 | 77.19 | 101.75 | 41.55 |
Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | |
SOURCES OF FUNDS : | ||||||||||
Share Capital | 259.72 | 168.86 | 168.6 | 168.27 | 168.19 | 167.47 | 166.59 | 165.64 | 126.92 | 103.85 |
Reserves Total | 14,672.65 | 10,783.51 | 9,631.94 | 8,698.91 | 7,778.97 | 7,267.54 | 6,401.76 | 5,411.67 | 2,018.98 | 1,474.88 |
Total Shareholders Funds | 14,932.37 | 10,952.57 | 9,800.54 | 8,867.18 | 7,947.16 | 7,435.01 | 6,568.35 | 5,577.31 | 2,145.9 | 1,578.73 |
Secured Loans | 31,439.18 | 33,068.79 | 32,617.81 | 40,102.84 | 49,758.52 | 62,567.16 | 30,827.8 | 19,900.78 | 13,402.72 | 9,754.15 |
Unsecured Loans | 23,577.36 | 20,552.31 | 20,343.31 | 19,290.98 | 17,977.32 | 9,291.69 | 22,948.9 | 15,596.36 | 12,610.96 | 6,726.61 |
Total Loan Funds | 55,016.54 | 53,621.1 | 52,961.12 | 59,393.82 | 67,735.84 | 71,858.85 | 53,776.7 | 35,497.14 | 26,013.68 | 16,480.76 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 1,638.88 | 346.35 | 261.72 | 344.32 |
Total Liabilities | 69,948.91 | 64,573.67 | 62,761.66 | 68,261 | 75,683 | 79,293.86 | 61,983.93 | 41,420.8 | 28,421.3 | 18,403.81 |
APPLICATION OF FUNDS : | ||||||||||
Loan / Non-Current Assets | 64,204.76 | 57,908.53 | 55,380.74 | 60,687.37 | 66,668.68 | 74,327.47 | 57,167.27 | 36,443.79 | 25,623.56 | 14,382.17 |
Gross Block | 439.48 | 400.19 | 362.25 | 340.76 | 364.74 | 155.48 | 278.23 | 104.3 | 85.55 | 52.2 |
Less: Accumulated Depreciation | 233.04 | 254.34 | 212.26 | 160.11 | 114.49 | 53.17 | 23.57 | 45.9 | 27.44 | 12.62 |
Net Block | 206.44 | 145.85 | 149.99 | 180.65 | 250.25 | 102.31 | 254.66 | 58.4 | 58.11 | 39.58 |
Capital Work in Progress | 15.25 | 3.16 | 3.54 | 2.38 | 4.06 | 5.17 | 9.69 | 2.03 | 4.05 | 18.1 |
Investments | 4,345.26 | 3,188.02 | 3,472.02 | 2,032.92 | 2,048.32 | 4,457.43 | 2,413.15 | 3,279.56 | 1,622.27 | 1,585.98 |
Sundry Debtors | 52.07 | 0 | 38.98 | 15.03 | 5.84 | 26.74 | 0.33 | 0 | 0 | 0 |
Cash and Bank Balance | 2,498.63 | 3,692.57 | 5,114.84 | 6,906.5 | 8,512.53 | 4,026.08 | 2,816.93 | 151.47 | 248.54 | 293.14 |
Loans and Advances | 921.31 | 1,721.28 | 1,090.39 | 1,078.19 | 1,109.05 | 753.83 | 289.63 | 2,745.87 | 1,926.41 | 2,590.64 |
Total Current Assets | 3,472.01 | 5,413.85 | 6,244.21 | 7,999.72 | 9,627.42 | 4,806.65 | 3,106.89 | 2,897.34 | 2,174.95 | 2,883.78 |
Current Liabilities | 2,402.52 | 2,213.9 | 2,870.52 | 2,987.96 | 3,172.75 | 4,432.65 | 1,015.27 | 1,463.85 | 1,148.06 | 572.64 |
Provisions | 19.78 | 17.39 | 17.12 | 83.56 | 18.43 | 23.73 | 18.69 | 28.04 | 71.12 | 52.57 |
Total Current Liabilities & Provisions | 2,422.3 | 2,231.29 | 2,887.64 | 3,071.52 | 3,191.18 | 4,456.38 | 1,033.96 | 1,491.89 | 1,219.18 | 625.21 |
Net Current Assets | 1,049.71 | 3,182.56 | 3,356.57 | 4,928.2 | 6,436.24 | 350.27 | 2,072.93 | 1,405.45 | 955.77 | 2,258.57 |
Deferred Tax Assets | 374.66 | 418.76 | 398.8 | 429.48 | 275.45 | 51.21 | 45.6 | 121.52 | 66.7 | 37.24 |
Deferred Tax Liability | 247.17 | 273.21 | 0 | 0 | 0 | 0 | 0 | 168.38 | 97.17 | 43.46 |
Net Deferred Tax | 127.49 | 145.55 | 398.8 | 429.48 | 275.45 | 51.21 | 45.6 | -46.86 | -30.47 | -6.22 |
Other Assets | 0 | 0 | 0 | 0 | 0 | 0 | 20.63 | 278.43 | 188.01 | 125.63 |
Total Assets | 69,948.91 | 64,573.67 | 62,761.66 | 68,261 | 75,683 | 79,293.86 | 61,983.93 | 41,420.8 | 28,421.3 | 18,403.81 |
Contingent Liabilities | 79.87 | 56.69 | 21.28 | 12.37 | 77.19 | 101.75 | 36.37 | 35.33 | 18.37 | 4.47 |
Cash Flow (Figures in Rs. Crores)
Net Profit before Tax and Extr... | 1,953.9 |
Depreciation | 51.19 |
Interest (Net) | 4,243.57 |
P/L on Sales of Assets | 0.25 |
Prov. and W/O (Net) | 171.12 |
Fin. Lease and Rental Charges | 6.46 |
Total Adjustments (PBT and Ext... | 4,658.5 |
Operating Profit before Workin... | 6,612.4 |
Trade and 0ther Receivables | -38.75 |
Trade Payables | -10.51 |
Loans and Advances | -6,392.35 |
Total Adjustments (OP before W... | -6,735.13 |
Cash Generated from/(used in) ... | -122.73 |
Interest Paid(Net) | -4,181.12 |
Direct Taxes Paid | -357.66 |
Total Adjustments(Cash Generat... | -4,538.78 |
Cash Flow before Extraordinary... | -4,661.51 |
Net Cash from Operating Activi... | -4,661.51 |
Purchased of Fixed Assets | -39.29 |
Sale of Fixed Assets | 0.28 |
Purchase of Investments | -1,147.07 |
Net Cash used in Investing Act... | -1,186.08 |
Proceeds from Issue of shares ... | 2,468.44 |
Proceed from Issue of Debentur... | 1,451 |
Proceed from Bank Borrowings | 21,885.45 |
Proceed from Short Tem Borrowi... | 10,054.7 |
Proceed from Deposits | 545.01 |
On Redemption of Debenture | -1,399 |
Of the Long Tem Borrowings | -24,043.72 |
Of the Short Term Borrowings | -6,750 |
Of Financial Liabilities | -33.25 |
Net Cash used in Financing Act... | 4,178.63 |
Net Profit before Tax and Extr... | 1,971.68 |
Depreciation | 50.98 |
Interest (Net) | 4,217.3 |
P/L on Sales of Assets | 0.25 |
Prov. and W/O (Net) | 171.01 |
Fin. Lease and Rental Charges | 6.46 |
Total Adjustments (PBT and Ext... | 4,631.88 |
Operating Profit before Workin... | 6,603.56 |
Trade and 0ther Receivables | -52.25 |
Trade Payables | 2.97 |
Loans and Advances | -6,392.23 |
Total Adjustments (OP before W... | -6,718.74 |
Cash Generated from/(used in) ... | -115.18 |
Interest Paid(Net) | -4,182.42 |
Direct Taxes Paid | -346.54 |
Total Adjustments(Cash Generat... | -4,528.96 |
Cash Flow before Extraordinary... | -4,644.14 |
Net Cash from Operating Activi... | -4,644.14 |
Purchased of Fixed Assets | -39.2 |
Sale of Fixed Assets | 0.28 |
Purchase of Investments | -1,154.56 |
Net Cash used in Investing Act... | -1,193.48 |
Proceeds from Issue of shares ... | 2,468.44 |
Proceed from Issue of Debentur... | 1,451 |
Proceed from 0ther Long Term B... | 21,885.45 |
Proceed from Short Tem Borrowi... | 10,054.7 |
Proceed from Deposits | 545.02 |
On Redemption of Debenture | -1,399 |
Of the Long Tem Borrowings | -24,043.72 |
Of the Short Term Borrowings | -6,750 |
Of Financial Liabilities | -33.25 |
Net Cash used in Financing Act... | 4,178.64 |
Company Details
Registered Office |
|
Address | 9th Floor Antrish Bhawan, 22 Kasthurba Gandhi Marg |
City | New Delhi |
State | New Delhi |
Pin Code | 110001 |
Tel. No. | 91-11-23445200 |
Fax. No. | 91-11-23736857 |
investor.services@pnbhousing.com; loans@pnbhfl.com | |
Internet | http://www.pnbhousing.com |
Registrars |
|
Address | 9th Floor Antrish Bhawan |
City | New Delhi |
State | New Delhi |
Pin Code | 110001 |
Tel. No. | 91-11-23445200 |
Fax. No. | 91-11-23736857 |
investor.services@pnbhousing.com; loans@pnbhfl.com | |
Internet | http://www.pnbhousing.com |
Management |
|
Name | Designation |
Sunil Kaul | Non-Exec & Non-Independent Dir |
Chandrasekaran Ramakrishnan | Non-Exec. & Independent Dir. |
Nilesh S Vikamsey | Non-Exec. & Independent Dir. |
Sanjay Jain | Company Sec. & Compli. Officer |
Tejendra Mohan Bhasin | Non-Exec. & Independent Dir. |
Sudarshan Sen | Non-Exec. & Independent Dir. |
Neeraj Vyas | Non-Exec & Non-Independent Dir |
Kapil Modi | Non-Exec & Non-Independent Dir |
Gita Nayyar | Independent Director |
Atul Kumar Goel | Non Executive Director |
PAVAN PAL KAUSHAL | Independent Director |
Girish Kousgi | Managing Director & CEO |
Dilip Kumar Jain | Nominee |