PNB Housing Finance Limited (PNBHOUSING) — Defensive Interval Ratio

Latest as of September 2025: 48482 days

PNB Housing Finance Limited (PNBHOUSING) has a Defensive Interval Ratio of 48482 days as of September 2025. Defensive assets of Rs30.34 Billion (cash Rs30.02 Billion, short-term investments Rs-, receivables Rs315.20 Million) cover 48482 days of daily cash needs of Rs625.75K/day. Check PNBHOUSING goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

48482 days
Days of operational coverage

Defensive Assets

Rs30.34 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rs625.75K
Current Liabilities ÷ 365

Current Liabilities

Rs228.40 Million
INR

PNB Housing Finance Limited Defensive Interval Ratio (2012–2025)

This chart shows how PNB Housing Finance Limited's Defensive Interval Ratio has evolved across 14 annual periods from 2012 to 2025. As of September 2025, the ratio stands at 48482 days, meaning defensive assets of Rs30.34 Billion can fund 48482 days of operations without new revenue. Also explore PNBHOUSING net assets growth trend to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for PNB Housing Finance Limited (2012–2025)

The table below presents the year-by-year Defensive Interval Ratio for PNB Housing Finance Limited from 2012 to 2025, covering 14 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market value of PNB Housing Finance Limited.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 21 days Rs10.15 Billion Rs483.81 Million/day Rs9.65 Billion Rs- ▼ -52535 days
2024 52556 days Rs28.42 Billion Rs540.82K/day Rs17.80 Billion Rs4.64 Billion ▲ +16212 days
2023 36344 days Rs30.12 Billion Rs828.77K/day Rs31.18 Billion Rs-1.18 Billion ▲ +2083 days
2022 34261 days Rs51.03 Billion Rs1.49 Million/day Rs45.52 Billion Rs-1.67 Billion ▲ +27364 days
2021 6897 days Rs69.77 Billion Rs10.12 Million/day Rs60.34 Billion Rs-164.70 Million ▲ +1692 days
2020 5205 days Rs44.41 Billion Rs8.53 Million/day Rs37.10 Billion Rs-187.40 Million ▲ +4107 days
2019 1099 days Rs10.39 Billion Rs9.45 Million/day Rs5.13 Billion Rs-187.50 Million ▲ +786 days
2018 313 days Rs5.05 Billion Rs16.17 Million/day Rs0.00 Rs1.94 Billion ▼ -3306 days
2017 3619 days Rs26.17 Billion Rs7.23 Million/day Rs0.00 Rs24.04 Billion ▲ +2050 days
2016 1569 days Rs10.07 Billion Rs6.42 Million/day Rs- Rs8.90 Billion ▲ +1536 days
2015 33 days Rs305.95 Million Rs9.37 Million/day Rs- Rs- ▲ +1 days
2014 32 days Rs146.54 Million Rs4.65 Million/day Rs- Rs- ▼ -9 days
2013 41 days Rs110.57 Million Rs2.70 Million/day Rs- Rs- ▼ -64 days
2012 105 days Rs117.11 Million Rs1.12 Million/day Rs- Rs- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)