About the Company
• Piramal Capital & Housing Finance (PCHF), wholly owned subsidiary of Piramal Enterprises Limited (the
flagship company of Piramal Group), is registered as a housing finance company with National Housing Bank
(NHB) and engaged in various financial services businesses.
• It provides both wholesale and retail funding opportunities across sectors. In real estate, the platform provides
housing finance and other financing solutions across the entire capital stack ranging from early stage private
equity, structured debt, senior secured debt, construction finance and flexi lease rental discounting.
• Hospitality sector financing is a recent foray of PCHF. Here we are providing financing solutions to hotels
which will be operated by branded players in established and emerging markets. The wholesale business in
non-real estate sector includes separate verticals - Corporate Finance Group (CFG) and Emerging Corporate
Lending (ECL). CFG provides customized funding solutions to companies across sectors such as
infrastructure, renewable energy, roads, industrials, auto components etc. while ECL focuses on lending
towards Small and Medium Enterprises (SMEs).
Headquarter: Mumbai, Maharashtra
Locations: Bengaluru, Chennai, Delhi, Hyderabad, Surat, Nagpur, Jaipur
Company Size: 550-600 employees
Type: Public Company
Founded: 2005
Business Verticals:
• Services for individuals: Services for corporates:
- Super Loans - Real Estate Financing
- Home Loans – New Purchase - Corporate Finance Group
- Balance Transfer & Top Up - Emerging Corporate Lending
- Self Construction - Capital Markets & Advisory
- Pradhan Mantri Awas Yojana
- Loan Against Property
- Bridge Loans
- Advantage Loan
Values:
• Knowledge:
o Expertise: Strive for deeper understanding of domain
o Innovation: Aspire to do things creatively
• Action:
o Entrepreneurship: Empowered to act decisively and create value
o Integrity: Consistent in our thought, speech and action.
• Care:
o Trusteeship: Protect and enhance the interests of their customers, community, employees,
partners and shareholders
o Humility: Aspire to be the best, yet to strive to be humble.
• Impact:
o Performance: Strive to achieve market leadership in scale and profitability, wherever they
compete.
o Resilience: Aspire to build businesses that anticipate, adapt and endure for generations.
CSR Activities:
• NITI Aayog has partnered with Piramal Foundation to 'Transform Aspirational Districts' in India across
Education and Primary Healthcare & Nutrition
• As of March 21, 2018, Piramal Foundation became a Section 8 company under the Companies Act, 2013. It is
an operating foundation and its own employees (5,000+ as in October 2018) work on these described projects
across 21 States of the country.
Leadership:
Ajay G Piramal – Chairman, Piramal Group
Anand Piramal – Director, Piramal Group ; Director, PCHFL
Kushru Jijina – Managing Director, PCHFL
Dr. Swati A Piramal – Vice Chairperson, Piramal Group
Recent News:
• Crisil reaffirms highest rating to Piramal Capital and Housing Finance for CP worth Rs.10,500
• Crisil in its report said the company has put in place adequate credit appraisal, strong risk management and
processes, which has supported the reported asset quality metrics.
LINK: https://www.aninews.in/news/business/crisil-reaffirms-highest-rating-to-piramal-capital-and-housing-finance-
for-cp-worth-rs-10500-crore20190715155731/
• Piramal Capital and Housing to raise 150 million dollars from IFC with a tenor of 5 years would help PCHFL
in their endeavour to diversify their long-term sources of funds and access the international market.
• The investment will be in the form of senior debt investment. In addition, IFC would assist PCHFL in
mobilising up to an additional $200 million through Parallel Loans, said IFC.
LINK: https://www.business-standard.com/article/companies/piramal-capital-housing-to-raise-150-million-from-ifc-
119040900121_1.html
