Personal Group Holdings Plc
Personal Group Holdings Plc (LSE: PGH) is trading at £4.34, about ₹551 at today's GBP/INR rate, as of 30 Sep 2026, 3:25 AM ET. Indian residents can buy Personal Group from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
£4.32
Today's high
£4.34
52 week low
£2.80
52 week high
£4.55
PGH opened at £4.32, closed previously at £4.34, and has traded between £2.80 and £4.55 over the past 52 weeks.
About
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. Its insurance portfolio includes coverage for hospital stays, recovery periods, and death benefits. Beyond insurance, Personal Group offers expert consultancy and software for pay and reward management, alongside a suite of cloud-based SaaS applications. Notably, it manages HAPI, a proprietary digital platform that grants employees access to a wide array of financial, physical, mental, and social benefits. Additionally, its Let's Connect initiative enables employers to facilitate employee acquisition of consumer technology and other goods from manufacturers through advantageous salary sacrifice arrangements.
Key statistics
Avg. volume
55.60K
Market cap
£136.58M
P/E Ratio
16.67
Price-to-sales ratio
2.69
Enterprise value
£73.24M
Free cash flow yield
10.88%
Debt-to-equity ratio
0.00
Return on equity
19.79%
ROIC
12.70%
Beta
0.18
Dividend yield
3.97%
Last dividend
£0.23
Financial overview
Revenue
£48.37M
Earnings per share
£0.23
Free cash flow
£10.64M
Net profit margin
16.09%
Gross margin
80.44%
EBITDA
£11.73M
Revenue growth
10.41%
Similar securities
This is not an investment recommendation
How to buy Personal Group from India
Indian residents can buy Personal Group shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars and then to GBP.
Search for Personal Group and place an order
Find Personal Group by name or by its ticker, PGH, and choose an order type. Personal Group trades 12:30 pm – 9:00 pm IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Personal Group position in GBP and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Personal Group from India
Trading and taxes when buying Personal Group from India
Trading and limits
- Trading hours
- 8:00 am – 4:30 pm UK
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The UK levies 0% withholding tax on company dividends paid to non-residents. Personal Group’s current yield is 3.97%.Dividend tax explained
- Transaction tax
- 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.
- Estate or inheritance tax
- May applyShares 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.Estate tax explained
Custody. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
FAQs
Can Indian residents buy Personal Group stock?
Yes. Personal Group (PGH) has been listed on the London Stock Exchange since 2000, in the Insurance - Property & Casualty industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars and then to GBP. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
How much does one Personal Group share cost in rupees?
One Personal Group share is £4.34 — about ₹551 at a GBP/INR rate of 127.06 on 29 Sep 2026. Both the Personal Group price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Personal Group from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
How are gains on Personal Group shares taxed in India?
Non-residents are exempt from UK capital gains tax on the disposal of listed shares, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the GBP/INR rate on the purchase and the sale date, so the rupee move counts alongside the Personal Group price. Paasa issues a capital-gains statement for your return.
Does Personal Group pay a dividend, and how is it taxed in India?
Yes. Personal Group pays a dividend and the current yield is 3.97%; the last declared dividend was £0.23 per share, about ₹29.61. Dividends are taxed at your slab rate in India. The UK levies 0% withholding tax on company dividends paid to non-residents. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Personal Group from India?
The London Stock Exchange trades 12:30 pm – 9:00 pm IST in Indian time. The window shifts to 1:30 pm – 10:00 pm IST when the UK is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on Personal Group shares held from India?
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. It applies to your overall holdings in that jurisdiction rather than to any one position.
Are there transaction taxes when buying Personal Group?
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. This is charged by the market, not by Paasa.
Do I have to declare Personal Group shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Personal Group holding, its cost and its closing value.
How do I sell Personal Group and bring the money back to India?
You sell during market hours (12:30 pm – 9:00 pm IST) and the proceeds settle in GBP in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.