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About PHFL Home Loans & Services

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.

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.
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Credit Rating of PNB Housing Finance

Fixed Deposits FAA+/Negative by CRISIL CARE AA/Stable
Bonds/NCD 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+
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.

PHFL

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.

PHFL

Core Values

People First

Right Arrow Button = “>” Our people are our only assets.
Right Arrow Button = “>” We grow talent, work inclusively with humility, continuously learn from our experience and past.
Right Arrow Button = “>” We empower our people.
Right Arrow Button = “>” We enable high performance, recognize and reward only performance.
Right Arrow Button = “>” We are merit driven, fair, supportive, respect each other, believe in equal opportunity.
Right Arrow Button = “>” We give responsibility and demand accountability.
Right Arrow Button = “>” We work in teams and take complete ownership of our doings. Team spirit is critical to us.
Right Arrow Button = “>” How can I help others ? Is our Team motto.
Right Arrow Button = “>” We foster spirit of belongingness. We are a great place to work.

Customer-Centric

Right Arrow Button = “>” Where customers feel at home, build long term relationship – ‘Ghar Ki Baat’.
Right Arrow Button = “>” We hand hold customers over the entire relationship.
Right Arrow Button = “>” We have a deep understanding of the real estate developers expectations – and give solutions.
Right Arrow Button = “>” Our business partners are our customers too.
Right Arrow Button = “>” We safeguard customers’ interest, give responsible advice.
Right Arrow Button = “>” We passionately create magic for external and internal customers. We exceed expectations.
Right Arrow Button = “>” We are empathetic and pro-active, We deliver” Atithi Deva Bhava”.
Right Arrow Button = “>” We invert the pyramid and serve the front line.
Right Arrow Button = “>” Our satisfied customers are our brand ambassadors.

Ethical Standards

Right Arrow Button = “>” We make no compromise in our professional ethics – ‘We do the right things, We do things right.
Right Arrow Button = “>” We are transparent and compliant with the law of the land.
Right Arrow Button = “>” We encourage and respond to open communication.
Right Arrow Button = “>” We are conservative and take prudent business risk.
Right Arrow Button = “>” We are fearless. We raise timely alarm.
Right Arrow Button = “>” We manage meaningful, relevant and engaging CSR.
Right Arrow Button = “>” We contribute to nation’s well-being.
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Mr. Jatul Anand

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Mr. Satish Kumar Singh

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Mr. Vinay Gupta

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Ms Deepika Gupta Padhi

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