London Stock Exchange · Financial Services
Invest in Personal Group stock from India
Indian and foreign residents can buy Personal Group (PGH) shares directly through Paasa.
By Paasa · Updated
Personal Group at a glance
- Price
- £4.34+£0.00 (0.00%)
- Market cap
- £136.58M
- Day range
- £4.32 – £4.35
- P/E
- 16.67
- Dividend yield
- 3.97%
- Volume
- 21.92K
- 1 month
- +9.75%
- 6 months
- +28.25%
- YTD
- +38.50%
- 1 year
- +35.47%
- 5 years
- +42.13%
Personal Group statements, FY2021–FY2025
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | £48.4M | £43.8M | £31.1M | £27.2M | £74.5M |
| Gross profit | £48.4M | £43.8M | £33.2M | £44.4M | £71.0M |
| Operating income | £8.4M | £6.8M | £5.3M | £3.9M | £4.5M |
| Net income | £7.3M | £6.5M | £4.3M | −£7.3M | £3.6M |
| Earnings per share | £0.23 | £0.21 | £0.14 | −£0.23 | £0.12 |
| EBITDA | £11.7M | £9.5M | £7.1M | −£4.9M | £5.9M |
| Total assets | £57.4M | £51.3M | £49.2M | £46.6M | £57.6M |
| Total debt | £453.0K | £964.0K | £1.1M | £278.0K | £474.0K |
| Cash and short-term investments | £25.0M | £19.1M | £17.5M | £17.0M | £20.3M |
| Shareholders' equity | £36.8M | £34.8M | £32.0M | £31.0M | £41.3M |
| Operating cash flow | £11.0M | £11.4M | £7.5M | £3.2M | £7.6M |
| Free cash flow | £10.6M | £8.7M | £5.3M | £1.7M | £6.4M |
| Capital expenditure | −£387.0K | −£2.8M | −£2.2M | −£1.5M | −£1.2M |
Fiscal years as reported, the latest ending 31 Dec 2025. Figures in GBP; a dash means the provider reported nothing for that line.
Peer comparison
| Company | Ticker | Price | Market cap |
|---|---|---|---|
| CAB Payments | CABP.L | £0.79 | £20.06B |
| CT UK High Income B Share Ord | CHIB.L | £1.09 | £13.26B |
| CT Global Managed Portfolio Income Ord | CMPI.L | £1.31 | £12.47B |
| Distribution Finance Capital | DFCH.L | £0.75 | £12.34B |
| Shires Income | SHRS.L | £3.02 | £11.90B |
| Golden Prospect Precious Metals | GPM.L | £1.10 | £10.68B |
| Barings Emerging EMEA Opportunities | BEMO.L | £8.55 | £9.83B |
| JPMorgan Emerg EMEA Sec | JEMA.L | £2.30 | £9.30B |
Peers as grouped by the data provider. This is not an investment recommendation.
How to invest in Personal Group from India
Step 1
Open your Paasa account
KYC takes a few minutes: PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Step 2
Add funds from your Indian bank account
Remit up to $250,000 a year under the RBI's Liberalised Remittance Scheme. Your bank converts the rupees to US dollars at its rate on the day you remit, and Interactive Brokers converts the dollars to GBP when you buy.
Step 3
Search PGH and buy
Find Personal Group by name or by its ticker, PGH, and place your order.
Why invest in Personal Group from India
What Personal Group does
Founded in 1984 and headquartered in Milton Keynes, UK, Personal Group Holdings Plc provides a comprehensive range of services across the United Kingdom, encompassing short-term accident and health insurance, various software-as-a-service (SaaS) products, and technology solutions that utilize salary sacrifice schemes. The company operates through several key divisions: Affordable Insurance, Other Owned Benefits, Benefits and Platform, and Pay and Reward. Personal Group operates in the Insurance - Property & Casualty industry within the Financial Services sector.
Paasa handles the paperwork
Investing abroad brings paperwork with it: remittance filings, capital gains reporting, foreign asset disclosure. Paasa prepares all of it for you. Your India-ready tax reports arrive at year end, ready to file.
Here's what inheritance rules in the UK mean for your Personal Group shares.
Shares in UK-incorporated companies are UK-situs assets and fall within UK Inheritance Tax, charged at 40% above the £325,000 threshold for non-residents.
Frequently asked questions
Can I buy Personal Group stock from India?
Yes. Indian residents and NRIs can buy Personal Group (PGH) shares directly through Paasa. Personal Group is listed on the London Stock Exchange, in the Insurance - Property & Casualty industry. Your money leaves India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name at Interactive Brokers.
How are Personal Group dividends taxed for Indian investors?
The UK levies 0% withholding tax on company dividends paid to non-residents. Dividends are taxed at your slab rate in India. Personal Group’s current yield is 3.97%. Paasa's dividend report lists the gross dividend and any tax withheld for each payment, which is what you need when you file.
What tax do I pay in India when I sell Personal Group shares?
Non-residents are exempt from UK capital gains tax on the disposal of listed shares. In India, gains on shares held for more than 24 months are long-term and taxed at 12.5%, and gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. Both are worked out in rupees at the GBP/INR rate on the day you bought and the day you sold, so the currency move is part of the gain. Paasa's capital-gains statement gives you the figures for your return.
What happens to my Personal Group shares if I pass away?
Shares in UK-incorporated companies are UK-situs assets and fall within UK Inheritance Tax, charged at 40% above the £325,000 threshold for non-residents. The rule looks at everything you hold there, not at Personal Group alone.
Is there stamp duty when I buy Personal Group shares?
The UK charges 0.5% Stamp Duty Reserve Tax when buying direct company shares electronically on the LSE; ETFs and UCITS funds do not attract it.