PNB Housing Finance Limited
PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties, etc.; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; and home loans and fixed deposit products… Read more
PNB Housing Finance Limited - Asset Resilience Ratio
PNB Housing Finance Limited (PNBHOUSING) has an Asset Resilience Ratio of 3.50% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2025)
This chart shows how PNB Housing Finance Limited's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down PNB Housing Finance Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ₹30.02 Billion | 3.5% |
| Short-term Investments | ₹0.00 | 0% |
| Total Liquid Assets | ₹30.02 Billion | 3.50% |
Asset Resilience Insights
- Limited Liquidity: PNB Housing Finance Limited maintains only 3.50% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
PNB Housing Finance Limited Industry Peers by Asset Resilience Ratio
Compare PNB Housing Finance Limited's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
PennyMac Financial Services Inc
F:1AC |
Mortgage Finance | 0.24% |
|
Aadhar Housing Finance Ltd
NSE:AADHARHFC |
Mortgage Finance | 3.98% |
|
Aavas Financiers Limited
NSE:AAVAS |
Mortgage Finance | 18.85% |
|
Australian Finance Group Ltd
AU:AFG |
Mortgage Finance | 0.00% |
|
Atrium Mortgage Investment Corporation
PINK:AMIVF |
Mortgage Finance | 0.00% |
|
Aptus Value Housing Finance India Limited
NSE:APTUS |
Mortgage Finance | 3.95% |
|
Bajaj Housing Finance
NSE:BAJAJHFL |
Mortgage Finance | 0.00% |
|
Better Home & Finance Holding Company
NYSE:BETR |
Mortgage Finance | 10.91% |
Annual Asset Resilience Ratio for PNB Housing Finance Limited (2016–2025)
The table below shows the annual Asset Resilience Ratio data for PNB Housing Finance Limited.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-03-31 | 1.17% | ₹9.65 Billion | ₹825.20 Billion | -1.93pp |
| 2024-03-31 | 3.10% | ₹22.44 Billion | ₹724.05 Billion | -1.39pp |
| 2023-03-31 | 4.48% | ₹29.99 Billion | ₹668.74 Billion | -2.19pp |
| 2022-03-31 | 6.67% | ₹43.85 Billion | ₹657.30 Billion | -1.76pp |
| 2021-03-31 | 8.43% | ₹60.17 Billion | ₹713.92 Billion | +3.75pp |
| 2020-03-31 | 4.68% | ₹36.92 Billion | ₹789.30 Billion | +4.09pp |
| 2019-03-31 | 0.59% | ₹4.95 Billion | ₹838.69 Billion | +0.29pp |
| 2018-03-31 | 0.30% | ₹1.94 Billion | ₹637.99 Billion | -5.29pp |
| 2017-03-31 | 5.60% | ₹24.04 Billion | ₹429.60 Billion | +2.60pp |
| 2016-03-31 | 3.00% | ₹8.90 Billion | ₹296.72 Billion | -- |