About PHFL

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 and Services Limited

  •   207, 209, 2nd Floor Antriksh Bhawan, 22, Kasturba Gandhi Marg, New Delhi – 110001
  •   011 – 23735678
  • CIN: U67200DL2017PLC322468
  • Mehak Monga
  •   COO@phfl.com / mehak.monga@phfl.com





    About Us

    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.

    Work Culture

    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.


    • Our people are our only assets
    • We grow talent, work inclusively with humility, continuously learn from our experience and past.
    • We empower our people.
    • We enable high performance, recognize and reward only performance.
    • We are merit driven, fair, supportive, respect each other, believe in equal opportunity.
    • We give responsibility and demand accountability.
    • We work in teams and take complete ownership of our doings. Team spirit is critical to us.
    • How can I help others ? Is our Team motto.
    • We foster spirit of belongingness. We are a great place to work.
    • Where customers feel at home, build long term relationship – ‘Ghar Ki Baat’.
    • We hand hold customers over the entire relationship.
    • We have a deep understanding of the real estate developer’s expectations – and give solutions.
    • Our business partners are our customers too.
    • We safeguard customers’ interest, give responsible advice.
    • We passionately create magic for external and internal customers. We exceed expectations.
    • We are empathetic and pro-active, we deliver” Atithi Deva Bhava”.
    • We invert the pyramid and serve the front line.
    • Our satisfied customers are our brand ambassadors.
    • We make no compromise in our professional ethics – ‘we do the right things, we do things right.
    • We are transparent and compliant with the law of the land.
    • We encourage and respond to open communication.
    • We are conservative and take prudent business risk.
    • We are fearless. We raise timely alarm.
    • We manage meaningful, relevant and engaging CSR.
    • We contribute to nation’s well-being.

    About PNB Housing finance

    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

    Fixed Deposits FAA+/Negative by CRISIL
    CARE AA/Stable
    Bonds/NCDs CRISIL AA/Negative
    IND AA/Negative by India Ratings
    CARE AA/Stable
    ICRA AA/Negative
    Bank Loans Long Term Rating CRISIL AA/Negative
    CARE AA/Stable
    Commercial Paper Program CARE A1+
    CRISIL A1+

    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.

    Management Team
    Mr. Satish Kumar Singh

    Mr. Satish Kumar Singh – Chief Operating Officer (COO)
    PHFL Home Loans and Services Limited (PHFL)

    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.

    Mr. Girish Kousgi

    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).

    Ms Deepika Gupta Padhi

    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.

    Ms Deepika Gupta Padhi

    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.

    Ms Vinay Gupta

    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.

    Ms Vinay Gupta

    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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