PNB Housing Finance Limited

NSE:PNBHOUSING India Mortgage Finance
Market Cap
$2.35 Billion
₹203.18 Billion INR
Market Cap Rank
#5657 Global
#196 in India
Share Price
₹779.95
Change (1 day)
+1.72%
52-Week Range
₹753.60 - ₹1126.20
All Time High
₹1660.87
About

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

Latest as of September 2025: 3.50%

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
₹30.02 Billion
Cash + Short-term Investments
Total Assets
₹857.56 Billion
All company assets
Resilience Assessment
Low
Financial Resilience Level

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 --
pp = percentage points