PNB Finance Unlisted Shares
PNB HOUSING FINANCE LTD
PNB Housing Finance Limited (PNB Housing) is a registered housing finance company with National Housing Bank (NHB). It was established under the Companies Act, 1956 and commenced its operations on November 11, 1988. PNB Housing is encouraged by Punjab National Bank (PNB). The Company is a significant came out with a public issue of equity shares in November 2016. Its equity shares are register on National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) with effect from 7th November 2016.
PNB Housing has a large network of branches spread across the country which help its customers avail financial services (loans and deposits) seamlessly.
Shareholding Pattern:
| Name of the shareholder | Shareholding (As on March 31, 2019) | % of shares |
| Artee Viniyoga Limited | 8,01,710 | 25.05 |
| Ashoka Viniyoga Limited | 6,51,660 | 20.37 |
| Camac Commercial Company Limited | 5,20,000 | 16.25 |
| Samir Jain | 5,18,827 | 16.21 |
| Meera Jain | 1,96,000 | 6.13 |
| Combine Holding Limited | 1,61,437 | 5.05 |
| Indu Jain | 77,604 | 2.43 |
| Shri Parasram Holdings Pvt. Limited | 21,909 | 0.68 |
| State Bank of India | 40,000 | 0.63 |
Financials of PNB Finance & Industries Limited Unlisted Shares:
(Figures in Lakhs)
| Year | Revenue | EBITDA | OPM | PAT | NPM | Shares | F.V. | EPS | NW | RONW |
| 2016 | 1,864.11 | 1,815.89 | 97% | 1,579.20 | 85% | 32.00 | 10 | 49.35 | 10,111.56 | 16% |
| 2017 | 688.05 | 603.21 | 88% | 572.63 | 83% | 32.00 | 10 | 17.89 | 10,603.34 | 5% |
| 2018 | 1,538.55 | 1,470.89 | 96% | 1,256.51 | 82% | 32.00 | 10 | 39.27 | 11,796.17 | 11% |
| 2019 | 1,842.22 | 1,781.25 | 97% | 1,600.82 | 87% | 32.00 | 10 | 50.03 | 13,373.85 | 12% |
| CAGR | 0% | -1% | 0% |
| TOP Investments of PNB FINANCE AND INDUSTRIES LIMITED | |||
| Quoted | |||
| Name of the Company | No. of Shares | Share Value as on 19.06.2020 | Value as on 19.06.2020 |
| HDFC Bank Ltd. | 12,19,140 | 1020 | 124 |
| Unquoted | |||
| Name of the Company | No. of Shares | Share Value as on 19.06.2020 | Value as on 19.06.2020 |
| Bennett, Coleman & Co Ltd. | 266,65,848 | NA | NA |
- PNB Housing Finance Ltd Annual Report 2019-20
- PNB Housing Finance Ltd Annual Report 2018-19
- PNB Housing Finance Ltd Annual Report 2017-18
- PNB Housing Finance Ltd Annual Report 2016-17
Credit Rating of PNB Housing Finance
| Fixed Deposits | CARE AAA FAAA with stable outlook by CRISIL |
| Bonds/NCDs | CARE AAA, IND AAA/RWN with stable outlook by India Ratings (Fitch Group), CRISIL AA+ with Stable outlook and ICRA AA+ |
| Bank Loans Long Term Rating | CARE AAA CRISIL AA+ (Outlook – stable) |
| Commercial Paper Program | CARE A1+ CRISIL A1+ |
PNB Housing provides housing loans to individuals and corporate bodies for purchase, construction, repair and upgradation of houses. It also contributes loans for commercial space, loan against property and loan for purchase of residential plots.
CIN: L65922DL1988PLC033856
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PNB Finance and Industries Limited Unlisted Share – Company Overview
PNB FINANCE AND INDUSTRIES LIMITED is a Non-Banking Financial Company. It was first incorporated in 1894 under ‘Punjab National Bank Limited. The Banking business was acquired by the Central Government of India and the name of the company was changed to PNB Finance Limited. Later, the company made its path in the investment business and started investing in shares, bonds, debentures, and other securities. The company’s name was again changed to PNB Finance and Industries Limited in 1981. In the year 1998, the company became a Non-Banking Financial Company under the Reserve Bank of India.
In the present scenario, PNB Finance and Industries Limited is not engaged in any business operations, except the investment of surplus funds in low-risk instruments and earning income therefrom. The company does not carry on investment activities as a business operation and also it does not hold or/and accept Public Deposits. Mutual Funds account for the larger share of the investment portfolio of the Company.
The company has made big investments in equity shares of HDFC Bank Limited, Bennett Coleman & Co Limited, and Bennett Property Holdings Company Limited.
The Equity shares of PNB Finance And Industries Limited are listed on Delhi Stock Exchange and Calcutta Stock Exchange.
PNB Finance And Industries Details as of March 31, 2023
PNB Finance Outstanding Shares: |
3,200,000 |
Face Value of PNB Finance Unlisted Share: |
Rs. 10 Per Equity Share |
ISIN of PNB Finance Unlisted Share: |
INE057F01011 |
Lot Size of PNB Finance Unlisted Share: |
10 Shares |
PNB Finance And Industries Share Price: |
Best in Industry |
PAN Number of PNB Finance: |
AAACP0256C |
Incorporation Details of PNB Finance And Industries
PNB Finance And Industries Limited CIN Number |
L65929DL1947PLC001240 |
PNB Finance And Industries Limited Registration Date |
14-Jun-47 |
Category / Sub-Category of PNB Finance |
Company limited by Shares |
PNB Finance And Industries Registered Office Address |
1st Floor, Express Building, 9-10, Bahadur Shah Zafar Marg, New Delhi – 110002 |
PNB Finance And Industries Registrar & Transfer Agent Address and Contact Details |
Skyline Financial Services Private Limited D-153/A, 1st Floor, Okhla Industrial Area, Phase 1, New Delhi – 110020, Tel: +91-11-26812682/83 |
Board of Directors of PNB Finance And Industries
Ashish Verma, Director
Govind Swarup, Director
Rakesh Dhamani, Director
Saumya Agarwal, Director
Shweta Saxena, Director
Particulars of Subsidiary Companies of PNB Finance And Industries
| Name of the Company | % of shares held |
| Punjab Mercantile and Traders Limited | 100.00% |
| Jacaranda Corporate Services Limited | 100.00% |
Shareholding Pattern of PNB Finance And Industries (As of 31-03-2023)
| S.No. | Shareholders’ Name | Number of shares | % of total Shares of the company |
| 1 | Promoter & Promoter Group | 0 | 0 |
| 2 | Public Shareholding | 32,00,000 | 100% |
| Total | 32,00,000 | 100.00% |
Industry Outlook
The NBFC sector has been facing increased regulatory oversight and push towards convergence with banks through various measures such as scale-based regulation, realignment in asset quality classification and Prompt Corrective Action norm. The incremental impact of the notification on NPA recognition however will be moderate as the maximum impact has already been seen in 3QFY22 figures and NBFCs are holding adequate provisions. Economic Survey 2022-2023 flags the consistent rise of NBFCs’ credit as a proportion to GDP as well as in relation to credit extended by SCBs. Supported by various policy initiatives, NBFCs could absorb the shocks of the pandemic. They built up financial soundness during FY22, marked by balance sheet consolidation, improvement in asset quality, augmented capital buffers and profitability. The continuous improvement in asset quality is seen in the declining GNPA ratio of NBFCs from the peak of 7.2 per cent recorded during the second wave of the pandemic (June 2021) to 5.9 per cent in September 2022, reaching close to the pre-pandemic level. Credit extended by NBFCs is picking up momentum, with the aggregate outstanding amount at ₹31.5 lakh crore as of September 2022. NBFCs continued to deploy the largest quantum of credit from their balance sheets to the industrial sector, followed by retail, services, and agriculture.
Balance Sheet of PNB Finance And Industries (In Rs. Lakhs)
| Particulars | 2023 | 2022 | 2021 |
| ASSETS | |||
| FINANCIAL ASSETS | |||
| Cash and cash equivalents | 218.01 | 4.72 | 3.32 |
| Bank balances other than above | 1,350.35 | 1,304.10 | 1,248.28 |
| Investments | 3,32,604.44 | 3,08,707.81 | 3,13,659.38 |
| Other Financial assets | 116.30 | 627.69 | 458.40 |
| TOTAL FINANCIAL ASSETS | 3,34,289.10 | 3,10,644.32 | 3,15,369.38 |
| NON-FINANCIAL ASSETS | |||
| Tax Assets | 27.55 | 25.19 | 42.69 |
| Property, plant, and Equipment | 0.65 | 1.65 | 0.49 |
| Other non-financial assets | 6.00 | 0.57 | 0.56 |
| TOTAL NON-FINANCIAL ASSETS | 34.20 | 27.41 | 43.71 |
| TOTAL ASSETS | 3,34,323.30 | 3,10,671.73 | 3,15,413.12 |
| EQUITY AND LIABILITIES | |||
| EQUITY | |||
| Equity Share capital | 320.00 | 320.00 | 320.00 |
| Other Equity | 2,65,249.34 | 2,43,434.01 | 2,48,590.16 |
| TOTAL EQUITY | 2,65,569.34 | 2,43,754.01 | 2,48,910.16 |
| LIABILITIES | |||
| FINANCIAL LIABILITIES | |||
| Payables | 25.42 | 3.97 | 3.81 |
| Other financial liabilities | 2.50 | 3.16 | 3.64 |
| TOTAL FINANCIAL LIABILITIES | 27.92 | 7.13 | 7.45 |
| NON-FINANCIAL LIABILITIES | |||
| Tax liabilities | 68,694.66 | 66,890.81 | 66,480.49 |
| Provisions | 21.44 | 12.52 | 7.29 |
| Other non-financial liabilities | 9.94 | 7.26 | 7.73 |
| TOTAL NON-FINANCIAL LIABILITIES | 68,726.04 | 66,910.59 | 66,495.51 |
| TOTAL LIABILITIES | 68,753.96 | 66,917.72 | 66,502.96 |
| TOTAL EQUITY AND LIABILITIES | 3,34,323.30 | 3,10,671.73 | 3,15,413.12 |
Profit & Loss Statement of PNB Finance and Industries Limited (In Rs. Lakhs)
| Particulars | 2023 | 2022 | 2021 |
| Interest income | 425.83 | 717.51 | 706.43 |
| Dividend income from equity instruments | 390.84 | 158.49 | – |
| Net gain on fair value changes | 306.15 | 670.53 | 6.42 |
| Others | 4.14 | 15.03 | 0.03 |
| Total Income | 1,126.96 | 1,561.56 | 712.88 |
| EBITDA | 302.38 | 1359.01 | 575.61 |
| EBITDA margin | 26.83% | 87.02% | 80.74% |
| Finance Cost | – | 0.11 | – |
| Depreciation | 0.96 | 0.42 | 0.16 |
| Profit Before Tax and exceptional items | 793.20 | 1,358.48 | 575.45 |
| Exceptional items | 491.78 | – | – |
| Total Tax | 122.03 | 241.49 | 96.44 |
| Profit After Tax (PAT) | 179.39 | 1,116.99 | 479.01 |
| PAT margin | 15.91% | 71.53% | 67.19% |
| EPS (Basic & Diluted) | 5.61 | 34.91 | 14.97 |
Dividend History of PNB Finance and Industries
| Particulars | 2023 | 2022 | 2021 |
| Dividend (final + interim) (In Rs.) | 0 | 0 | 0.60 |
Performance of PNB Finance and Industries
- The total income of the company decreased by 27.83% from Rs. 1,561.56 lakhs in FY 2022 to Rs. 1,126.96 lakhs in FY 2023.
- EBITDA of the company fell by 77.74% from Rs. 1359.01 lakhs in FY 2022 to Rs. 302.38 lakhs in FY 2023.
- Profit after Tax of the company decreased by 83.93% from Rs. 1,116.99 lakhs in FY 2022 to Rs. 179.39 lakhs in FY 2023.
- PNB Finance and Industries Limited do not have any long-term or short-term borrowings. Therefore Debt to Equity ratio of the company is 0.
