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

Rs30.02 Billion

≈ $324.69 Million USD Cash + Short-term Investments

Total Assets

Rs857.56 Billion

≈ $9.27 Billion USD 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. Check PNBHOUSING strategic asset allocation to assess the company's strategic physical and investment asset allocation.

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. For market capitalisation and broader financial context, see how much is PNB Housing Finance Limited worth.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs30.02 Billion	3.5%
Short-term Investments	Rs0.00	0%
Total Liquid Assets	Rs30.02 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
First National Financial Corp TO:FN	Mortgage Finance	6.41%
SRG HOUSING FINANCE ORD (BSE) NSE:SRGHFL	Mortgage Finance	1.54%
Australian Finance Group Ltd AU:AFG	Mortgage Finance	0.00%
Resimac Group Ltd AU:RMC	Mortgage Finance	0.00%
N1 Holdings Ltd AU:N1H	Mortgage Finance	20.92%
MCAN Mortgage Corporation TO:MKP	Mortgage Finance	2.07%
ECN Capital Corp TO:ECN	Mortgage Finance	5.22%
Timbercreek Financial Corp TO:TF	Mortgage Finance	0.38%

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%	Rs9.65 Billion ≈ $104.36 Million	Rs825.20 Billion ≈ $8.92 Billion	-1.93pp
2024-03-31	3.10%	Rs22.44 Billion ≈ $242.70 Million	Rs724.05 Billion ≈ $7.83 Billion	-1.39pp
2023-03-31	4.48%	Rs29.99 Billion ≈ $324.36 Million	Rs668.74 Billion ≈ $7.23 Billion	-2.19pp
2022-03-31	6.67%	Rs43.85 Billion ≈ $474.20 Million	Rs657.30 Billion ≈ $7.11 Billion	-1.76pp
2021-03-31	8.43%	Rs60.17 Billion ≈ $650.76 Million	Rs713.92 Billion ≈ $7.72 Billion	+3.75pp
2020-03-31	4.68%	Rs36.92 Billion ≈ $399.25 Million	Rs789.30 Billion ≈ $8.54 Billion	+4.09pp
2019-03-31	0.59%	Rs4.95 Billion ≈ $53.48 Million	Rs838.69 Billion ≈ $9.07 Billion	+0.29pp
2018-03-31	0.30%	Rs1.94 Billion ≈ $20.97 Million	Rs637.99 Billion ≈ $6.90 Billion	-5.29pp
2017-03-31	5.60%	Rs24.04 Billion ≈ $259.97 Million	Rs429.60 Billion ≈ $4.65 Billion	+2.60pp
2016-03-31	3.00%	Rs8.90 Billion ≈ $96.27 Million	Rs296.72 Billion ≈ $3.21 Billion	--

pp = percentage points

About PNB Housing Finance Limited

NSE:PNBHOUSING India Mortgage Finance

Market Cap

$3.08 Billion

Rs285.00 Billion INR

Market Cap Rank

#4782 Global

#215 in India

Share Price

Rs1094.00

Change (1 day)

-0.40%

52-Week Range

Rs750.75 - Rs1122.30

All Time High

Rs1660.87