India Home Loan
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India Home Loan share price

India Home Loan Ltd.

BSE: 530979 SECTOR: Finance - Housing  11.81 K   10   0

30.70
-1.39 (-4.33%)
BSE: Today, 10:33 AM

Price Summary

Today's High

₹ 32.41

Today's Low

₹ 27.55

52 Week High

₹ 47.54

52 Week Low

₹ 27.55

FinStar is Suspended!

The FinStar rating for this company is currently unavailable due to limited data disclosure. As a micro-cap company, it may carry higher risk and limited transparency. We will update the FinStar rating once more reliable data becomes available.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 43.84 Cr.

Advances

₹ 55.76 Cr.

No. of Shares

1.43 Cr.

P/E

282.95

P/B

1.06

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  29.03

Operating Revenue

₹ 12.02 Cr.

Net Profit

₹ -3.41 Cr.

Promoter Holding

39.07 %

EPS (TTM)

₹  0.11

Sales Growth

-46.21

ROE

-8.03 %

ROCE

5.26%

Profit Growth

-668.9 %

Add Your Ratio

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year-46.21%
3 Year-27.18%
5 Year-17.48%

Profit Growth

1 Year-617.24%
3 Year-243.93%
5 Year-214.3%

ROE%

1 Year-8.03%
3 Year-0.61%
5 Year1.89%

ROCE %

1 Year5.26%
3 Year8.39%
5 Year9.44%

ROA%

-2.833

PEG Ratio

NA

PAT Margin (%)

-28.6615

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 39.07 0.00
Mar 2025 38.99 0.00
Dec 2024 38.97 0.00
Sep 2024 38.97 0.00
Jun 2024 37.92 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 1.0347 times the book value

 Limitations

  • Company has a poor Return on Equity (ROE) track record of -0.612360351086877%.
  • PAT margin has shrunk by 31.3715%.
  • The company has delivered poor profit growth of -27.1808148209697% over past 3 years
  • The company has delivered poor Operating Income growth of -27.1808148209697% over past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 3.28 3.28 3.31 3.73 4.28
Other Income 0.06 0.01 0.01 0.01 0
Interest Expended 1.96 1.92 1.91 1.89 1.87
Operating Expenses 1.24 1.29 1.27 1.64 2.3
Total Provisions 0 0 0 0 0
Depreciation 0.02 0.03 0.07 0.12 0.06
Profit Before Tax 0.13 0.05 0.08 0.09 0.05
Tax 0.03 -0.01 0 0.08 0.04
Net Profit 0.1 0.06 0.08 0.01 0.01
Adjusted EPS (RS) 0.07 0.04 0.06 0.01 0.01

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 32.34 31.13 30.05 22.34 12.02
Other Income 0.6 0 0.44 2.51 1.81
Interest 21.57 20.25 16.53 12.89 9.51
Operating Expenses 6.16 6.12 5.63 6.78 6.56
Total Provisions 1.47 3.28 4.36 4.2 1.13
Exceptional Items 0 0 0 0 0
Profit Before Tax 3.75 1.48 3.96 0.99 -3.37
Tax 0.94 0.36 2.05 0.38 0.08
Profit After Tax 2.82 1.14 1.95 0.66 -3.41
Adjusted EPS (Rs.) 1.96 0.79 1.34 0.42 -2.41

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 14.28 14.28 14.28 14.28 14.28
Total Reserves 23.87 24.83 29.64 30.33 26.92
Borrowings 170.06 170.62 125.49 90.83 56.79
Other N/C liabilities 4.64 -0.49 -0.18 0.2 0.28
Current liabilities 9.65 1.47 3.81 3.53 5.73
Total Liabilities 222.5 210.72 173.05 139.18 104
Assets
Loans 212.83 199.74 155.11 97.57 55.76
Net Block 0.69 0.54 0.67 0.44 0.29
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 0 0 0 0 0
Other Loans 0.46 0.6 0.7 0.82 1.09
Other N/C Assets 3.11 0.21 11.67 36.37 46.07
Current Assets 5.41 9.63 4.9 3.97 0.79
Total Assets 222.5 210.72 173.05 139.18 104
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 37.92 38.97 38.97 38.99 39.07
ashok shanabhai patel 8.63 8.63 8.63 8.63 8.63
bhavin mahesh pujara 6.27 7.33 7.33 7.33 7.33
daksha ashokbhai patel 4.20 4.20 4.20 4.20 4.20
hemali mitesh pujara 4.03 4.03 4.03 4.03 4.03
mahesh narshibhai pujara - - - 6.80 6.85
mitesh mahesh pujara 5.43 5.43 5.43 5.43 5.46
vilas pujara 2.56 2.56 2.56 2.56 2.56
mahesh narsih pujara 6.79 6.79 6.79 - -
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 62.08 61.03 61.03 61.01 60.93
chetan r shah(huf) 3.75 3.75 3.75 3.75 3.75
jm financial india trust ... 24.50 24.50 24.50 24.50 24.50
llp 0.04 1.19 1.32 1.47 1.47
nabh capital llp - 1.15 1.28 1.44 1.44
shailaja chetan shah 3.75 3.75 3.75 3.75 3.75
sonal mayur shah 7.49 7.49 7.49 7.49 7.49
subhash ambubhai patel 3.05 3.05 3.05 3.05 3.05
santoshkumar mohanlal rat... 1.05 - - - -

Annual Reports

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Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Concalls & Presentations

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Company News

India Home Loan informs about disclosure 8 Oct, 11:12 AM India Home Loan - Quaterly Results 12 Aug, 7:22 PM India Home Loan - Quaterly Results 12 Aug, 7:22 PM India Home Loan informs about confirmation certificate 9 Jun, 2:42 PM India Home Loan informs about press release 14 Aug, 12:38 PM India Home Loan - Quaterly Results 12 Aug, 6:25 PM India Home Loan - Quaterly Results 12 Aug, 6:25 PM India Home Loan informs about confirmation certificate 3 Jul, 5:14 PM India Home Loan informs about confirmation certificate 3 Jun, 5:18 PM India Home Loan informs about disclosure 6 Apr, 2:02 PM India Home Loan - Quaterly Results 14 Feb, 4:42 PM India Home Loan submits intimation to investors on availability of ODR mechanism 4 Dec, 4:20 PM India Home Loan informs about compliances-certificate 2 Dec, 12:03 PM India Home Loan - Quaterly Results 6 Nov, 7:44 PM India Home Loan - Quaterly Results 6 Nov, 7:44 PM India Home Loan informs about book closure 4 Sep, 5:20 PM India Home Loan - Quaterly Results 10 Aug, 8:21 PM India Home Loan submits disclosure 8 Jul, 10:44 AM India Home Loan informs about confirmation certificate 3 Jun, 3:04 PM India Home Loan informs about compliance certificate 17 Apr, 4:30 PM India Home Loan informs about newspaper advertisement 13 Apr, 5:06 PM India Home Loan informs about compliances-certificate 6 Mar, 3:50 PM India Home Loan informs about newspaper publication 10 Feb, 12:55 PM India Home Loan - Quaterly Results 9 Feb, 3:41 PM India Home Loan - Quaterly Results 9 Feb, 3:41 PM India Home Loan - Quaterly Results 9 Feb, 3:41 PM India Home Loan informs about confirmation certificate 5 Dec, 4:53 PM India Home Loan informs about disclosures of related party transactions 23 Nov, 4:31 PM India Home Loan informs about confirmation certificate 9 Nov, 3:00 PM India Home Loan informs about board meeting 20 May, 5:21 PM India Home Loan board to consider dividend 20 May, 2:41 PM India Home Loan informs about confirmation certificate 9 May, 3:48 PM India Home Loan informs about compliance certificate 28 Apr, 5:16 PM India Home Loan submits confirmation certificate 5 Mar, 3:35 PM India Home Loan submits confirmation certificate 23 Feb, 4:40 PM India Home Loan informs about board meeting 6 Nov, 11:28 AM India Home Loan informs about outcome of board meeting 4 Sep, 2:49 PM India Home Loan informs about credit rating 21 Jul, 12:16 PM India Home Loan informs about compliances-certificate 6 Jul, 4:50 PM India Home Loan informs about board meeting 7 Jun, 12:45 PM India Home Loan informs about clarification on price movement 20 May, 9:49 AM India Home Loan gets nod to raise Rs 20 crore through NCDs 26 Jun, 11:46 AM

India Home Loan Stock Price Analysis and Quick Research Report. Is India Home Loan an attractive stock to invest in?

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse India Home Loan. 

Key Financials -

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of India Home Loan is Rs -3.444629 Cr. and the compounded growth of profit in the past 3 years is -245.338153993256%. The PAT margin of India Home Loan is -28.6615%.
  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In India Home Loan , the EPS declined by -668.8443% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): India Home Loan has a poor ROE track record. The ROE of India Home Loan is at -8.0286% for the latest year.
  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of India Home Loan is worth at the current levels at Rs 32.09. India Home Loan is trading at a current P/E ratio of 0 and the average historical P/E for the last 5 years was 34.5357259182676.
  • P/B ratio can be one of the best metrics to value such companies. Currently, India Home Loan is trading at a P/B of 1.10575862829419. The average historical P/B for the last 5 years was 1.21121843423252. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of India Home Loan in Ticker for free. Also, one can get the intrinsic value of India Home Loan by using Valuation Calculators, which are available with a Finology ONE subscription. 

India Home Loan FAQs

Q1. What is India Home Loan share price today?
Ans: The current share price of India Home Loan is Rs 32.09.

Q2. What is the market capitalisation of India Home Loan?
Ans: India Home Loan has a market capitalisation of Rs 45.830151795 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of India Home Loan?
Ans: The PE ratio of India Home Loan is 295.760368663594 and the P/B ratio of India Home Loan is 1.10575862829419, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of India Home Loan share?
Ans: The 52-week high share price of India Home Loan is Rs 47.54, and the 52-week low share price of India Home Loan is Rs 27.55.

Q5. Does India Home Loan pay dividends?
Ans: Currently, India Home Loan does not pay dividends. Dividend yield of India Home Loan is around 0%.

Q6. What are the face value and book value of India Home Loan shares?
Ans: The face value of India Home Loan shares is Rs 10, while the book value per share of India Home Loan is around Rs 29.0208. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of India Home Loan?
Ans: The ROE of India Home Loan is -8.0286% and ROCE of India Home Loan is 5.264%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is India Home Loan a good buy for the long term?
Ans: The India Home Loan long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is India Home Loan undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the India Home Loan appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check India Home Loan’s financials?
Ans: You can review India Home Loan’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about India Home Loan
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